Citi® / AAdvantage® - Fico Score

[Anonymous]

Does anyone know what fico score does one need to be approved for a Citi AAdvantage credit card.  I don't want to apply and take a hit if I am not approved.  Any input is appreciated.

[Creditaddict]

I thought citi was low 620ish

[Anonymous]

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@Creditaddict wrote:
I thought citi was low 620ish

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620's?

[oracles]

in today's time and with citi struggling a little, i would raise that to 660 if it was 620.

However i am just speculating

what are your scores, any baddies, what are they?

keep us updated

[Mark_in_Pasadena]

The Citi Aadvantage cards were known to be the easiest of all citi unsecured cards to get (probably because they want that $75 annual fee from you).  People who were rebuilding their credit used to get approved for this card and then call back when they got their cards to do a product change to a Citi card with no annual fee.  Citi is great with product changes, and would change them to a different product that initially required a higher FICO without any issues.

This is before the current credit crisis, so I don't know if this is still the case.

[oracles]

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@Mark_in_Pasadena wrote:

The Citi Aadvantage cards were known to be the easiest of all citi unsecured cards to get (probably because they want that $75 annual fee from you).  People who were rebuilding their credit used to get approved for this card and then call back when they got their cards to do a product change to a Citi card with no annual fee.  Citi is great with product changes, and would change them to a different product that initially required a higher FICO without any issues.

This is before the current credit crisis, so I don't know if this is still the case.

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wow that is really interesting and very clever.

Did they still make you pay the fee and then product change you?

[Creditaddict]

anyone applied lately with lower 600 scores and get approved?

I think I'm blacklisted from citi 

[Anonymous]

For the Citi AAdvantage cards it helps to be over 650 and have no recent bad history or derrog's. But they could have changed their policies with the times we are in right now.

[Equinox]

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@Anonymous wrote:

Does anyone know what fico score does one need to be approved for a Citi AAdvantage credit card.  I don't want to apply and take a hit if I am not approved.  Any input is appreciated.

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@I got a preoffer for one in the mail last month. Got it for 3k @ 680EQ. Clean report, no baddies or anything.

[Mark_in_Pasadena]

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@oracles wrote:

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@Mark_in_Pasadena wrote:

The Citi Aadvantage cards were known to be the easiest of all citi unsecured cards to get (probably because they want that $75 annual fee from you).  People who were rebuilding their credit used to get approved for this card and then call back when they got their cards to do a product change to a Citi card with no annual fee.  Citi is great with product changes, and would change them to a different product that initially required a higher FICO without any issues.

This is before the current credit crisis, so I don't know if this is still the case.

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wow that is really interesting and very clever.

Did they still make you pay the fee and then product change you?

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They waive the annual fee for the 1st year, so it wasn't an issue as long as you did a product change before the year was up.