topic Re: tempted to apply for a 2nd citi exec in Credit Cards

tempted to apply for a 2nd citi exec

darkfrosty — Mon, 24 Mar 2014 18:53:45 GMT

Many people have applied and gotten 2-3 of this card and 100k aa miles on each. I have one that I got at the end of Jan and already received my points and I am tempted to apply for a second one for another 110k miles. I just ran my experian fico and its 762 (2 hps from 2014 and 3 from 2013 which are all older than 6 months and will all be a year old come may) My EQ fico is 803 and my transunion is around 770.

The only cards I have gotten this year is the Citi Exec and Ink Bold. I am really tempted to apply but kinda nervous. My total utilization is 6.6%.

Re: tempted to apply for a 2nd citi exec

B335is — Mon, 24 Mar 2014 19:12:18 GMT

Goodluck, you should have no problem. Ive been thinking about going for a 2nd but new accts are killing my score. Hope this is around past March 31

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 19:14:39 GMT

@darkfrosty wrote:
Many people have applied and gotten 2-3 of this card and 100k aa miles on each. I have one that I got at the end of Jan and already received my points and I am tempted to apply for a second one for another 110k miles. I just ran my experian fico and its 762 (2 hps from 2014 and 3 from 2013 which are all older than 6 months and will all be a year old come may) My EQ fico is 803 and my transunion is around 770.

The only cards I have gotten this year is the Citi Exec and Ink Bold. I am really tempted to apply but kinda nervous. My total utilization is 6.6%.

so you can have more than one AA card? I have the executive but only got 30k point offer i think. Was thinking if it was possible for a second exective card.

Re: tempted to apply for a 2nd citi exec

yudeology101 — Mon, 24 Mar 2014 19:16:57 GMT

@dodgerslv wrote:
@darkfrosty wrote:
Many people have applied and gotten 2-3 of this card and 100k aa miles on each. I have one that I got at the end of Jan and already received my points and I am tempted to apply for a second one for another 110k miles. I just ran my experian fico and its 762 (2 hps from 2014 and 3 from 2013 which are all older than 6 months and will all be a year old come may) My EQ fico is 803 and my transunion is around 770.

The only cards I have gotten this year is the Citi Exec and Ink Bold. I am really tempted to apply but kinda nervous. My total utilization is 6.6%.
so you can have more than one AA card? I have the executive but only got 30k point offer i think. Was thinking if it was possible for a second exective card.

Yes, for AAdvantage cards, you can have more than one. I'm sure you can get more than one on other Citi products as well, not 100% sure on the other products.

Re: tempted to apply for a 2nd citi exec

B335is — Mon, 24 Mar 2014 19:21:39 GMT

I have 3 AAdvantage cards. There is a cult following at Flyertalk.

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 19:26:49 GMT

thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.

Re: tempted to apply for a 2nd citi exec

yudeology101 — Mon, 24 Mar 2014 19:32:32 GMT

@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.

Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 19:39:11 GMT

@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.

Re: tempted to apply for a 2nd citi exec

yudeology101 — Mon, 24 Mar 2014 19:46:57 GMT

@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.

Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 19:55:14 GMT

@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish

well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.

Re: tempted to apply for a 2nd citi exec

yudeology101 — Mon, 24 Mar 2014 19:59:59 GMT

@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish
well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.

LOL We should start a separate club thread called "Executive EX 30+ INQ Club"

Re: tempted to apply for a 2nd citi exec

darkfrosty — Mon, 24 Mar 2014 20:06:44 GMT

damn 30+ inqueries .. im nervous about applying with 5 on my ex and 1 on my eq .. only 2 are less than 6 months old. I only have one citi card as well. I just cant decide what I should do. I know Chase always soft pulls and looks at inqs and new credit. After hearing about all the closing of accounts that Chase does for like no reason .. im just kind of nervous.

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 20:11:38 GMT

@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish
well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.
LOL We should start a separate club thread called "Executive EX 30+ INQ Club"

haha...yeah.

@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish
well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.
LOL We should start a separate club thread called "Executive EX 30+ INQ Club"
Haha...yeah. I havent had any problems getting approved for Chase, BofA and Citi cards even though they pull EX. Amex is the only one who cares about the INQs. I have really calmed down the last 5 months though, have only 3 HPs...lol

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 20:14:16 GMT

@darkfrosty wrote:
damn 30+ inqueries .. im nervous about applying with 5 on my ex and 1 on my eq .. only 2 are less than 6 months old. I only have one citi card as well. I just cant decide what I should do. I know Chase always soft pulls and looks at inqs and new credit. After hearing about all the closing of accounts that Chase does for like no reason .. im just kind of nervous.

yeah. same here. I have 5 chase cards and would hate them to close all of them. You should be fine frosty! I would just go ahead and apply.

Re: tempted to apply for a 2nd citi exec

yudeology101 — Mon, 24 Mar 2014 20:15:44 GMT

@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish
well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.
LOL We should start a separate club thread called "Executive EX 30+ INQ Club"
haha...yeah.
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish
well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.
LOL We should start a separate club thread called "Executive EX 30+ INQ Club"
Haha...yeah. I havent had any problems getting approved for Chase, BofA and Citi cards even though they pull EX. Amex is the only one who cares about the INQs. I have really calmed down the last 5 months though, have only 3 HPs...lol

My Last app was w/ AMEX which was BCE early last month and it was approved....BCE was my 35th INQ i think lol

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 20:37:08 GMT

@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish
well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.
LOL We should start a separate club thread called "Executive EX 30+ INQ Club"
haha...yeah.
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
@yudeology101 wrote:
@dodgerslv wrote:
thanks alot for the input guys. Really want another AA card (my favorite airline that i fly the most). Really like the 100k signup bonus but really gotta try and stay strong in the garden. The amount of flying i do is well worth the high AF. Just afraid that i have too much credit with Citi already.
Good plan. I have thier AA Gold WMC since last year, and earlier last month I've apped for the Exec and was denied for too many INQs. Called recon and went to 2nd manual review, still denied for the same reasons. Called again, and it seems like once your app goes through 2nd manual review, there's no third recon cause i've called like 3more times and they just said "well we said NO before so it's still a NO". I love that signup bonus, too!

how many INQ and who did they pull? Here in NV they have double pulled me for every application (EX and EQ). They always base it off the EQ score though for approval. I only have 9 INQ in the last 2 years which 6 of them are from Citi alone and i have been told they dont count their own INQs againts you.
Oh wow, didn't know that! You need to relocate lol I'm in Socal, and they pulled on EX for the app....and if you really have to know how many INQs at the time of apping for the Exec....it was around 34ish
well join the club cuz i have 31 on EX so even though they pull it also, they obviously dont care cuz they base it off my EQ score.
LOL We should start a separate club thread called "Executive EX 30+ INQ Club"
Haha...yeah. I havent had any problems getting approved for Chase, BofA and Citi cards even though they pull EX. Amex is the only one who cares about the INQs. I have really calmed down the last 5 months though, have only 3 HPs...lol

My Last app was w/ AMEX which was BCE early last month and it was approved....BCE was my 35th INQ i think lol

well i guess its really more like ymmv. I have tried for the amex delta platinum 5 times in the last year and been denied all (SPs of course). Always the reasons along the lines of too many INQs and too many creditors have looked at my report. I was tempted to apply this month but havent yet since dont want to seem too desperate for them...lol

Re: tempted to apply for a 2nd citi exec

darkfrosty — Mon, 24 Mar 2014 20:44:21 GMT

part of me really wants a second card cuz another 110k miles would be nice .. would put me at 260k but I got two cards this year and I am not sure if I want to push it

Re: tempted to apply for a 2nd citi exec

dodgerslv — Mon, 24 Mar 2014 20:52:32 GMT

@darkfrosty wrote:
part of me really wants a second card cuz another 110k miles would be nice .. would put me at 260k but I got two cards this year and I am not sure if I want to push it

your credit is very good maybe even excellent. If you have low utilzation and good income i say why not? the worst they can say is no. Too good of sign up bonus to pass up.

Re: tempted to apply for a 2nd citi exec

B335is — Mon, 24 Mar 2014 20:54:22 GMT

Citi pulls my EX exclusively, I had 26 inq when I app'd for the Executive AAdvantage card in January, 7 in the prior 6 months. Citi doesn't necessarily look at inq over the last 2 years, it's the last 6 months you want to be at or below 6 inq.

I don't want to take away the importance of gardening (and should probably go in there some day), but who knows how long the 100k offer is going to be around? For all I know it could turn to fairy dust tomorrow, or it could grow. But odds are it won't last forever.

Re: tempted to apply for a 2nd citi exec

yudeology101 — Mon, 24 Mar 2014 20:59:55 GMT

@B335is wrote:
Citi pulls my EX exclusively, I had 26 inq when I app'd for the Executive AAdvantage card in January, 7 in the prior 6 months. Citi doesn't necessarily look at inq over the last 2 years, it's the last 6 months you want to be at or below 6 inq.

I don't want to take away the importance of gardening (and should probably go in there some day), but who knows how long the 100k offer is going to be around? For all I know it could turn to fairy dust tomorrow, or it could grow. But odds are it won't last forever.

Very true indeed, but if the offer continues to make Citi prosper in every way, I'm sure Citi would love to drag the offer as long as possible, too.