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Who has both personal and business citi aadvantage ps

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Established Contributor

Who has both personal and business citi aadvantage ps

I'm trying to see my chances of getting the biz version I was approved with a good limit for the personal in September. Also got citi rewards card in june.
Please state the dates you were approved or denied(if you tried for the second card after being approved for either personal or biz)
Right now my eq score they use is above 760, but I know they pulled tu for my rewards card, and experian for my aadvantage.
The personal card has been great so far, my highest limit besides Amazon store card.
They just offered me a bt offer until next year I may or may not use it.
I am not too concerned with inquiries but I do have 2 that will be unscorable by the 1st of next month, and I may wait even longer if I do apply.
I'd like to hear from both ppl who got both cards, and ppl who got either a personal or biz card, and were denied for the second card.
Thanks any information is greatly appreciated.
Starting score(February 2018)-520Current Score: FICO 8- 744EX, 762TU, 760EQ, Goal Score: 775 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 7000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 55,000+
HILTON HONORS-2000
Cap1 Venture-VS-5500
Sams Club MC-4500
Citi® / AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)6900
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5000CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-6000cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


5 REPLIES 5
Community Leader
Super Contributor

Re: Who has both personal and business citi aadvantage ps

Don't remember dates, sorry. Approved from personal Aadvantage around Oct of 2017. Product changed to a different CC in Oct 2018.
Applied and approved for business version summer of 2019.
Collected SUBs on both. Totaling just over 130,000 miles.
Did the same with Amex Delta.
Message 2 of 6
Established Contributor

Re: Who has both personal and business citi aadvantage ps

Thanks for the information. I wonder if it is harder For personal or business or if it even makes the difference to get approved.
I plan to do exactly what you did with Delta as well. I Also will be product changing my citi cards. Does one have to wait a year like amex to pc after getting a sub?
Starting score(February 2018)-520Current Score: FICO 8- 744EX, 762TU, 760EQ, Goal Score: 775 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 7000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 55,000+
HILTON HONORS-2000
Cap1 Venture-VS-5500
Sams Club MC-4500
Citi® / AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)6900
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5000CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-6000cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 3 of 6
Highlighted
Community Leader
Super Contributor

Re: Who has both personal and business citi aadvantage ps

Yes, they'll credit back the annual fee that was charged when you product change.
There wasn't a difference in being approved for either. For some reason, I always have to talk to a UW when dealing with Citi. Lol
But as long as I'm approved, I don't care 😉
Message 4 of 6
Valued Contributor

Re: Who has both personal and business citi aadvantage ps

I don't know the UW criteria Citi uses for BIZ versus Personal, but it seems that all your BIZ cards are Amex. So none are likely reporting to the CB that Citi will use. So unless you have other scoring factors not listed, it will be based soley on your Personal score. Which looks okay.

 

Also not sure what Citi feels is "credit seeking" behavior. 

 

My Personal AAdvantage was apped on 4/18, my AAdvantage BIZ app was 10/19. 






Message 5 of 6
Established Contributor

Re: Who has both personal and business citi aadvantage ps

Ty. I'll most likely apply in a couple months after my newer accounts become at least 6 months.
Appreciate the time and info.
Starting score(February 2018)-520Current Score: FICO 8- 744EX, 762TU, 760EQ, Goal Score: 775 by (05/2020)
BUISNESS CREDIT
Amex Hilton-3000
Amex Amazon Prime 2500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card - 7000.
Amex green charge card- NPSL


TOTAL PERSONAL CL 55,000+
HILTON HONORS-2000
Cap1 Venture-VS-5500
Sams Club MC-4500
Citi® / AAdvantage® Platinum Select® WEMC-9000CL, Citi Rewards+(WMC)6900
Amex® Gold card
1st Disco It- 2300 , 2nd Disco it- 5000CL
Dcu-3000-
12/18 Amazon SC- 10,000 cl AND-Walmart SC-6000cl, Home depot- 2000cl-
- Auto loan(55% paid off)
Goal score 800


Message 6 of 6
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