09-04-2012 02:24 PM
Ok..I'm still baffled but thought I would pass this info on. I had read previously that it was easier to get approved for Citi co branded cards vs Citi cards exclusively. I wasn't so sure about this but in my case it's true..I applied 3-4 weeks ago for the Citi Thank you card. I was denied due to inquiries..I attempted to recon, still a no go..OK fine..
I read again about the above being true..I thought ok I have inquiries about to drop off so I'll try and see. I had actually forgotten b/c it wasn't instant..I was checking my email and I have an email the following day saying Congrats our card is on it's way..I opened it and it days I was approved for the AAdvantage card for $13,000..What the what??!!!
Question for those of you that have this card, am I able to do a product swap if I choose to in a year when the AF comes up??
09-05-2012 06:40 AM
OH BTW I forgot to mention the APR is 15.24%, I'm not sure that's the lowest, I need to double check that..Also for all you recovering from BK, I have an 8 yo BK on my reports..
09-05-2012 09:38 AM
If you have a AAdvantage card, you can downgrade to the Bronze card, but you cannot switch to a Citi exclusive card.
09-05-2012 02:03 PM
so I couldn't PC to like the Citi thank you or forward??
09-05-2012 02:53 PM
I don't believe so. Citi co-branded cards are separately handled by another group, even though it is backed by Citi.
09-05-2012 03:32 PM
Bamagirl, i know this may be a little off your topic but i also live in AL and was wondering which CR Citi pulled from when you applied?
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.