CITI Aadvantage

[Anonymous]

considering applying for Aadvantage (platinum) with Citi....is the cosco card easier to get?    current scores  TU673     EQ653     EX740    9 RECENT INQ

[Anonymous]

You have a good shot with those scores and not many inquiries I'd go for it

[Anonymous]

The aadvantage card I think is easier

[Anonymous]

I don't think there is any significant underwriting criteria difference between the cards.  With the exception of higher end cards that require higher starting limits most cards for any particular creditor have the same UW criteria.  For the most part it is a big myth that certain cards are harder to get than others from a creditor.  This is especially true for Amex where everyone thinks the Platinum cards is harder to be approved for than the regular green card.

[Appleman]

I am finding that I am travelling on American a bit more and decided to apply for their Advantage Card (Plat Select). Citi really does not like me as much as other lenders and 6 months ago they denied my application.

Recently I booked a first class ticket on American and was given the opportunity to apply again and utilize the card to purchase my ticket. I was given the 7-10 day message and that they were reviewing my application. So, I used a different card to purchase my ticket and figured I was once again denied.

8 days later I received an email that I was approved for $18,000. My CitiDC is only $4,700, so I was surprised at the Citi credit line. I also applied for the Aviator card from Barclays to capture some more miles and they approved me for $17,000. 

Data points: Utilization is 1% and have double digit inquiries. FICO 08 > 775's

[Anonymous]

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@Anonymous wrote:

considering applying for Aadvantage (platinum) with Citi....is the cosco card easier to get?    current scores  TU673     EQ653     EX740    9 RECENT INQ

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They pull EX and that seems to be your highest score.

[Anonymous]

Yeah, I am in the Garden...getting ready to buy a New Pickup...those babies are EXPENSIVE. gET MY SCORE NICE AND HIGH.   THANKS TO EVERYONE AND HAPPY NEW YEAR TO ALL THE CREDIT MOGUL'S

[Anonymous]

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@Anonymous wrote:

Yeah, I am in the Garden...getting ready to buy a New Pickup...those babies are EXPENSIVE. gET MY SCORE NICE AND HIGH.   THANKS TO EVERYONE AND HAPPY NEW YEAR TO ALL THE CREDIT MOGUL'S

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Did you app?

[Anonymous]

I did app.......INSTANT DENIAL,not gonna recon.......Time to garden

AMEX PBC-6K..AMEX DELTA GOLD 2K..CAP 1 QS-2250..CAP1 QS1-2350..DISCOVER-1500 CHASE FREEDOM-1K..BARCLAY REWARDS-1500..CREDIT1 700..SPORTSMAN GUIDE VISA-3800...GANDER MT,MASTER C -2K.. MERRIL LYNCH+.5K..OVERSTOCK-4800..WAYFAIR..3800 PIER 1-1000

......goals TU..750..EQ750..EX..780

[Anonymous]

If they don't pull a second hp for recons.....I would definitely recon! You've already taken the hit and have nothing to lose!