topic Re: CITI Aadvantage in Credit Card Applications

CITI Aadvantage

Anonymous — Sat, 31 Dec 2016 19:38:49 GMT

considering applying for Aadvantage (platinum) with Citi....is the cosco card easier to get? current scores TU673 EQ653 EX740 9 RECENT INQ

Re: CITI Aadvantage

Anonymous — Sat, 31 Dec 2016 23:31:58 GMT

You have a good shot with those scores and not many inquiries I'd go for it

Re: CITI Aadvantage

Anonymous — Sat, 31 Dec 2016 23:32:19 GMT

The aadvantage card I think is easier

Re: CITI Aadvantage

Anonymous — Sun, 01 Jan 2017 01:08:56 GMT

I don't think there is any significant underwriting criteria difference between the cards. With the exception of higher end cards that require higher starting limits most cards for any particular creditor have the same UW criteria. For the most part it is a big myth that certain cards are harder to get than others from a creditor. This is especially true for Amex where everyone thinks the Platinum cards is harder to be approved for than the regular green card.

Re: CITI Aadvantage

Appleman — Sun, 01 Jan 2017 12:37:08 GMT

I am finding that I am travelling on American a bit more and decided to apply for their Advantage Card (Plat Select). Citi really does not like me as much as other lenders and 6 months ago they denied my application.

Recently I booked a first class ticket on American and was given the opportunity to apply again and utilize the card to purchase my ticket. I was given the 7-10 day message and that they were reviewing my application. So, I used a different card to purchase my ticket and figured I was once again denied.

8 days later I received an email that I was approved for $18,000. My CitiDC is only $4,700, so I was surprised at the Citi credit line. I also applied for the Aviator card from Barclays to capture some more miles and they approved me for $17,000.

Data points: Utilization is 1% and have double digit inquiries. FICO 08 > 775's

Re: CITI Aadvantage

Anonymous — Sun, 01 Jan 2017 15:46:07 GMT

@Anonymous wrote:
considering applying for Aadvantage (platinum) with Citi....is the cosco card easier to get? current scores TU673 EQ653 EX740 9 RECENT INQ

They pull EX and that seems to be your highest score.

Re: CITI Aadvantage

Anonymous — Sun, 01 Jan 2017 20:35:39 GMT

Yeah, I am in the Garden...getting ready to buy a New Pickup...those babies are EXPENSIVE. gET MY SCORE NICE AND HIGH. THANKS TO EVERYONE AND HAPPY NEW YEAR TO ALL THE CREDIT MOGUL'S

Re: CITI Aadvantage

Anonymous — Sun, 01 Jan 2017 20:38:35 GMT

@Anonymous wrote:
Yeah, I am in the Garden...getting ready to buy a New Pickup...those babies are EXPENSIVE. gET MY SCORE NICE AND HIGH. THANKS TO EVERYONE AND HAPPY NEW YEAR TO ALL THE CREDIT MOGUL'S

Did you app?

Re: CITI Aadvantage

Anonymous — Sun, 01 Jan 2017 21:48:43 GMT

I did app.......INSTANT DENIAL,not gonna recon.......Time to garden

AMEX PBC-6K..AMEX DELTA GOLD 2K..CAP 1 QS-2250..CAP1 QS1-2350..DISCOVER-1500 CHASE FREEDOM-1K..BARCLAY REWARDS-1500..CREDIT1 700..SPORTSMAN GUIDE VISA-3800...GANDER MT,MASTER C -2K.. MERRIL LYNCH+.5K..OVERSTOCK-4800..WAYFAIR..3800 PIER 1-1000

......goals TU..750..EQ750..EX..780

Re: CITI Aadvantage

Anonymous — Sun, 01 Jan 2017 22:17:37 GMT

If they don't pull a second hp for recons.....I would definitely recon! You've already taken the hit and have nothing to lose!

Re: CITI Aadvantage

Anonymous — Sun, 01 Jan 2017 22:46:40 GMT

From my knowledge, CITI doesn't have a recon except to write a letter

Re: CITI Aadvantage

JoeLuvsHisCredit — Mon, 02 Jan 2017 05:01:53 GMT

So Sorry OP

Re: CITI Aadvantage

csryang — Mon, 02 Jan 2017 07:14:14 GMT

@Anonymous wrote:
I did app.......INSTANT DENIAL,not gonna recon.......Time to garden

AMEX PBC-6K..AMEX DELTA GOLD 2K..CAP 1 QS-2250..CAP1 QS1-2350..DISCOVER-1500 CHASE FREEDOM-1K..BARCLAY REWARDS-1500..CREDIT1 700..SPORTSMAN GUIDE VISA-3800...GANDER MT,MASTER C -2K.. MERRIL LYNCH+.5K..OVERSTOCK-4800..WAYFAIR..3800 PIER 1-1000
......goals TU..750..EQ750..EX..780

Please see my other post on Citi Application/denial:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/CitiBank-Credit-Card-denial-application-Data-Share/td-p/4823109

When you said 9 recent inquiries you meant within the last 6 months?

Re: CITI Aadvantage

Anonymous — Fri, 27 Jan 2017 04:17:56 GMT

Hey all, just wanted to add my experience with the Aadvantage app. I applied and was denied. Called their EO number listed in the Backdoor thread and spoke to someone who said they would send it back for another review. When they didn't get back to me in the next 3 days I figured it was denied. I decided to wait for the letter to see exactly what the reasons were.

The letter came in the mail stating the only reason was my *almost* 7 year old bankruptcy. (It will be 7 years old in March). I called the EO back again to see if anything could be done. The very nice rep explained that I would never be approved for the Aadvantage card with a bankruptcy on my record that wasn't yet 7 years old. I told her it would be 7 years old in March - she stated I can apply after that date passes and I would be considered.

So.... for anyone out there that is also post BK - the Aadvantage card is pretty much off limits until your BK is AT LEAST 7 years old - to the date! FYI.