Mail offer

[Anonymous]

So I receive a mail offer in the mail today for Citi American Airline AAdvantage. Do I have shot getting it? I ask the question because I received a mail offer (different card) about couple months ago, but I got denied. Seems like all these mail offer are not guaranted. I don't want to lose any points for any HP for these offers.

My score is 620 (EQ).

[Anonymous]

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@Anonymous wrote:

So I receive a mail offer in the mail today for Citi American Airline AAdvantage. Do I have shot getting it? I ask the question because I received a mail offer (different card) about couple months ago, but I got denied. Seems like all these mail offer are not guaranted. I don't want to lose any points for any HP for these offers.

My score is 620 (EQ).

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More than likely the mailer is just a marketing piece.  Unless it gives a specific APR then it's not any kind of preapproval.  In all honesty your score is too low to be approved and I would wait until your scores gets in the 670 or so range before applying for a Citi card .

[OmarGB9]

Prequals are never guarantees. They simply mean the CC company believes you'd be a "good fit" for their product.

[Anonymous]

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@OmarGB9 wrote:
Prequals are never guarantees. They simply mean the CC company believes you'd be a "good fit" for their product.

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That mailer he received is probably not any kind of pre qualified offer.  It's just a general marketing piece

[Anonymous]

Thanks guys.

I did flew in a American Airline a few times this year.

It does have a invitation number if that even matters.

[takeshi74]

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@Anonymous wrote:

So I receive a mail offer in the mail today for Citi American Airline AAdvantage. Do I have shot getting it?

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No idea.  The offer doesn't mean anything with regard to your approval odds.  Even prequals/preapprovals are not guarantees.

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@Anonymous wrote:

It does have a invitation number if that even matters.

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Nope.  It's just marketing.  The number lets them know what marketing channel you received the offer from.

[longtimelurker]

And whether you would be approved or not (and I agree with your current score that is unlikely) the question is whether you would want this card.   Only makes sense if you travel on AA or partners (and can spend a fair bit on the card to generate worthwhile miles, especially once the AF kicks in)

[NRB525]

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@Anonymous wrote:

Thanks guys.

I did flew in a American Airline a few times this year.

It does have a invitation number if that even matters.

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If you want to know with more certainty, go to the Citi credit card prequalification link, "See if you're prequalified for a card", fill out the info including selecting the Card Benefit of Travel, and see what turns up. If they give you a list of cards with specific APR, you are almost certain to get that APR, and get the card, starting credit line is another matter. If the prequalification lists a range of APR, then there's much less certainty.

I followed the prequalification link for a few months, waited for it to keep giving me "lowest APR" as the only offer on all the Citi cards, then got the AAdvantage for the 13.99% rate and 50k miles just as that offer was going back to 30k a few weeks ago.

How many miles are on your prequalified offer? Because if it's only 30,000 miles, and you get a vague APR range on the prequalified page, then I would NOT app right now. It would be definitely a better choice to wait it out, wait for your prequalified results to give you a set APR, and wait for the 50,000 miles offer to come back.

[Anonymous]

+1