https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-for-Citi-AA-advantage-platinum-BUT/m-p/3734797#M27061 <P>Hey guys. I applied for AA advantage platinum a few days ago and was, unfortunately, denied. Upon calling recon line to my surprise they told me I didn't have an established credit line and my utilization was a bit too high. I asked to further explain and the rep said I needed to have credit on file thats been there for over a year. I told her I had multiple cards that were over a year and the utilization is only high around this time of year. My track record clearly shows it. Obivoulsy a low level rep could not do anything about it. Searching around a bit I saw people had great sucess contacting their executive review department. I wrote them a letter explaining everything and a copy of 2 report cards showing my established credit line. Also as aformentoned, I was surpirsed that it was only those two things holding me back because my credit its on the lower side, of 620. It's mainly due to high ultilization and inquires(auto loan). I've seen people as low as 615 get accepted for this card. I just wanted to let you guys know all this info incase I do get reonsidered. I will update as the rocess goes along!</P> Sun, 11 Jan 2015 17:19:32 GMT Anonymous 2015-01-11T17:19:32Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-for-Citi-AA-advantage-platinum-BUT/m-p/3734797#M27061 <P>Hey guys. I applied for AA advantage platinum a few days ago and was, unfortunately, denied. Upon calling recon line to my surprise they told me I didn't have an established credit line and my utilization was a bit too high. I asked to further explain and the rep said I needed to have credit on file thats been there for over a year. I told her I had multiple cards that were over a year and the utilization is only high around this time of year. My track record clearly shows it. Obivoulsy a low level rep could not do anything about it. Searching around a bit I saw people had great sucess contacting their executive review department. I wrote them a letter explaining everything and a copy of 2 report cards showing my established credit line. Also as aformentoned, I was surpirsed that it was only those two things holding me back because my credit its on the lower side, of 620. It's mainly due to high ultilization and inquires(auto loan). I've seen people as low as 615 get accepted for this card. I just wanted to let you guys know all this info incase I do get reonsidered. I will update as the rocess goes along!</P> Sun, 11 Jan 2015 17:19:32 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-for-Citi-AA-advantage-platinum-BUT/m-p/3734797#M27061 Anonymous 2015-01-11T17:19:32Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-for-Citi-AA-advantage-platinum-BUT/m-p/3734809#M27066 Goodluck, EO is the best way to go for Citi reconsideration! Sun, 11 Jan 2015 17:31:12 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/Denied-for-Citi-AA-advantage-platinum-BUT/m-p/3734809#M27066 B335is 2015-01-11T17:31:12Z