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CitiBusiness AAdvantage Approval!

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ultimaterewardsguy357
Regular Contributor

CitiBusiness AAdvantage Approval!

I've had my business for four years, unofficially. On paper, my business is a sole proprietorship of two years old with about $1K in annual revenue. I applied using my EIN although Citi also asked for my SSN. When I called to check the application status, Citi used my EIN and not the my SSN, which is great!

 

I was hoping they would pull Experian - from past denials. Turns out they were going to pull Equifax (even better for me). Citi gave me 15 minutes to unfreeze the report and boom! Instant approval! I was honestly expected $2K but I will take it since I don't plan on using up all of that CL.

 

Data Points:

5/24 Status: 7/24

 

1. Chase Freedom Unlimited product changed to Flex, $500, opened 6/2016 (AU)

2. Citi Double Cash Card, $9,000, opened 3/2017 (AU)

3. Discover It Cash Back, $3,000, opened 12/2019

4. Merrick, $2,500, opened 1/2020

5. Amex Gold Card, No Pre-Set SL, opened 3/2020

6. Chase Sapphire Preferred, $8,500, opened 9/2020

7. Chase Freedom Flex, $1,000, opened 10/2020

8. Blue Business Plus, $2,000, opened 1/2021

9. The Platinum Card from Amex, No Pre-Set SL, opened 1/2021

10. CitiBusiness / AAdvantage Platinum Select, $11,000, opened 3/2021

 

UTI: 6%

FICO 8 Scores: EX 771, EQ 765, TU 759

AAoA: 4 years

Credit History Length: 13 years

Income: $65K - $74K


3/2/2021 *EDITED FOR MORE TRANSPARENCY*
Citi is known for being inquiry sensitive.

 

Accounts:

2/6 new accounts (Amex Platinum has not reported)
4/12 new credit accounts (including an Auto Loan)

 

Inquiries:

0/6 (at the time of application)

3/12

10/23/2023 [FICO Score 8] EX: 768 TU: 761 EQ: 777

Future Cards:
5 REPLIES 5
AllZero
Mega Contributor

Re: Citi Biz AA Approval - $11K

Congratulations on your approval!

Message 2 of 6
Drwaz99
Established Contributor

Re: CitiBusiness AAdvantage Approval!

Heck yeah! Congrats!

Message 3 of 6
M_Smart007
Legendary Contributor

Re: CitiBusiness AAdvantage Approval!

Congratulations on your AAdvantage Approval!!!

Message 4 of 6
mchang124
Regular Contributor

Re: CitiBusiness AAdvantage Approval!

Congrats on your approval!

“It’s nice to be important but it’s more important to be nice”
Message 5 of 6
MyFault
Valued Contributor

Re: CitiBusiness AAdvantage Approval!

Congrats on your approval!








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Message 6 of 6
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