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Citi and Citi Co Branded cards

Established Contributor

Citi and Citi Co Branded cards

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??

 

Thanks!!

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 1 of 6
5 REPLIES
Established Contributor

Re: Citi and Citi Co Branded cards

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..

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 2 of 6
Valued Contributor

Re: Citi and Citi Co Branded cards

If you have a AAdvantage card, you can downgrade to the Bronze card, but you cannot switch to a Citi exclusive card.

Message 3 of 6
Established Contributor

Re: Citi and Citi Co Branded cards

so I couldn't PC to like the Citi thank you or forward??

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 4 of 6
Valued Contributor

Re: Citi and Citi Co Branded cards

I don't believe so. Citi co-branded cards are separately handled by another group, even though it is backed by Citi.

Message 5 of 6
Established Contributor

Re: Citi and Citi Co Branded cards

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?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 6 of 6