topic Re: AA Fly Now Payment Plan in Credit Cards

AA Fly Now Payment Plan

Anonymous — Sun, 16 Aug 2015 18:29:46 GMT

Has anyone recenty been approved for this card? I'm still working on my credit, I have a 643 according to FICO but recently got a couple new cards using the shopping cart trick. Now we NEED to book a flight. I'm considering applying but don't want to waste the points if its very unlikely I be approved.

Re: AA Fly Now Payment Plan

taxi818 — Sun, 16 Aug 2015 19:00:53 GMT

@Anonymous wrote:
Has anyone recenty been approved for this card? I'm still working on my credit, I have a 643 according to FICO but recently got a couple new cards using the shopping cart trick. Now we NEED to book a flight. I'm considering applying but don't want to waste the points if its very unlikely I be approved.

Its just an Regular american Airlines Credit card. the payment plan is just part of their normal card. if you pay bill in full before 6 months. No interest. Defered in other words. if not. High interest. But there is no card called Fly now. This is just like any other store card to be honest which sucks to high heaven,Because if you don't pay it off in 6 months. You are charged interest from day one. No Thanks. Much better offers out there than this crap of a program.IMO

Re: AA Fly Now Payment Plan

FinStar — Sun, 16 Aug 2015 19:10:48 GMT

@taxi818 wrote:
@Anonymous wrote:
Has anyone recenty been approved for this card? I'm still working on my credit, I have a 643 according to FICO but recently got a couple new cards using the shopping cart trick. Now we NEED to book a flight. I'm considering applying but don't want to waste the points if its very unlikely I be approved.
Its just an Regular american Airlines Credit card. the payment plan is just part of their normal card. if you pay bill in full before 6 months. No interest. Defered in other words. if not. High interest. But there is no card called Fly now. This is just like any other store card to be honest which sucks to high heaven,Because if you don't pay it off in 6 months. You are charged interest from day one. No Thanks. Much better offers out there than this crap of a program.IMO

OP, in addition to what taxi mentioned above, this card is issued by Citi and IIRC they pull EX (others can chime in). You can search for approval stats in the creditpulls database for the American Ailines credit card to gauge some results if that helps.

Re: AA Fly Now Payment Plan

Anonymous — Sun, 16 Aug 2015 19:19:11 GMT

It will be paid off before the because I don't want to pay the interest! Thanks for the info!

Re: AA Fly Now Payment Plan

taxi818 — Sun, 16 Aug 2015 19:20:29 GMT

@Anonymous wrote:
It will be paid off before the because I don't want to pay the interest! Thanks for the info!

But i beleive if you got the AA card from citi anyway. There would be no interest as they are offering 12-21 months interest free apr. So this program from what i can see is obsolete.

Re: AA Fly Now Payment Plan

icyhot — Sun, 16 Aug 2015 19:59:27 GMT

Yes I have this card, I got approved after I couldn't get approved for any of Citis main cards because of too many inquiries, so you might be able to be approved

Re: AA Fly Now Payment Plan

icyhot — Sun, 16 Aug 2015 20:01:45 GMT

@Taxi there's no intro APR period on the Citi AAdvantage cards

Re: AA Fly Now Payment Plan

taxi818 — Sun, 16 Aug 2015 21:49:43 GMT

@icyhot wrote:
Yes I have this card, I got approved after I couldn't get approved for any of Citis main cards because of too many inquiries, so you might be able to be approved

Was the threshold for approval easier on this than any other citi cards. i would think if you could get 1 you could get any of them. hmm not 0% offers on AA you say. let me look again.

You are right. 13.99 to 21.99. i could have sworn when i got a pre approval it offered 0% i went for the double cash anyway instead of the AA. They someone tell you you would not be approved for others because of inquiries and you went for AA instead?

Re: AA Fly Now Payment Plan

icyhot — Sun, 16 Aug 2015 22:48:27 GMT

Well this card is easier to get approved for, even tho I was approved for the Gold AAdvantage a couple weeks prior. This card is technically a store card so they are normally easier to get

Re: AA Fly Now Payment Plan

KingReem — Sun, 16 Aug 2015 22:50:54 GMT

I personally think it's a great card funny thing is I applied for the AAdvantage Platinum Select back in May or June and just knew I weren't going to be approved but to my surprise they approved me for the world master card and last month upgraded me to world elite and on the very same day applied for the AA payment plan and was also approved you can also withdraw cash from the payment plan card although I would advise against such a thing I used the card recently for a RT ticket from NYC to Chicago $80.20 after looking at theflightdeal.com that site is the best btw don't mean to plug other websites as it may be against the rules

Re: AA Fly Now Payment Plan

taxi818 — Mon, 17 Aug 2015 00:07:03 GMT

@icyhot wrote:
Well this card is easier to get approved for, even tho I was approved for the Gold AAdvantage a couple weeks prior. This card is technically a store card so they are normally easier to get

Wow you called it a store card? hehehewhat was your limit at approval?

Re: AA Fly Now Payment Plan

FinStar — Mon, 17 Aug 2015 00:16:45 GMT

@taxi818 wrote:
@icyhot wrote:
Well this card is easier to get approved for, even tho I was approved for the Gold AAdvantage a couple weeks prior. This card is technically a store card so they are normally easier to get
Wow you called it a store card? hehehewhat was your limit at approval?

Icyhot - it is not "technically" a store card. It is a payment plan credit card. This is part of Citi's private label array of cards (in partnership with AA) which offer alternative financing.

Re: AA Fly Now Payment Plan

ttleigh — Mon, 17 Aug 2015 04:37:09 GMT

I have this card. I burned citi in bankruptcy so I was doubtful of ever getting a product from them. After being denied Home Depot I read someone on this forum burned them and got this card. I was approved after a verification call for $2500. After about a month of having this card I started getting pre approvals for shell gas cards and now Home Depot. So hopefully it is working towards getting me back in with citi.

Re: AA Fly Now Payment Plan

icyhot — Mon, 17 Aug 2015 13:01:04 GMT

I was approved with $2500 also. I call it a store card because it can be used for more than just flights. Admirals Club memberships, checked baggage fees and upgrades. Just no in-flight purchases

Re: AA Fly Now Payment Plan

taxi818 — Mon, 17 Aug 2015 13:19:20 GMT

@icyhot wrote:
I was approved with $2500 also. I call it a store card because it can be used for more than just flights. Admirals Club memberships, checked baggage fees and upgrades. Just no in-flight purchases

I thought it was mastercard. Why can't you use for purchases in flight. Weird. Maybe it's differentcard than what I see online

Re: AA Fly Now Payment Plan

icyhot — Mon, 17 Aug 2015 16:58:51 GMT

Taxi, you're thinking about the AAdvantage card, OP is referring to the American Airlines credit card

Re: AA Fly Now Payment Plan

icyhot — Mon, 17 Aug 2015 17:00:06 GMT

https://www.aa.com/i18n/travelInformation/airportAmenities/AACreditCard.jsp?anchorLocation=DirectURL&title=aacreditcard

Re: AA Fly Now Payment Plan

taxi818 — Mon, 17 Aug 2015 17:19:07 GMT

Thanks for the clarification. Yes. I was thinking AAvantage. There are 4 cards. From gold to platinum. Gold with 50 AF. My bad. I see this is for just American Airlines. Almost like store card. I see. Fin said its not however.

Re: AA Fly Now Payment Plan

taxi818 — Mon, 17 Aug 2015 17:21:49 GMT

Looks like this is directly thru American. No involvement fron citi bank. Hmmm

Re: AA Fly Now Payment Plan

icyhot — Mon, 17 Aug 2015 17:41:50 GMT

It is issued by Citi Retail Services