Give us your stats and it would be a lot easier.
High 700s, a lot of income and not a whole lotta cards when I apped for citi exec.
I received my AAdvantage card through Citi in October, 2015. At the time I only focused on American Airlines hence the decision, but my score and history that year were most likely not pretty due to utilization. I can't recall exactly, but I want to say I was between a 660 and 680, had only 2 other credit cards at the time, and upon approval I was granted a 2,800 SL. Only after finding this forum in August this year did I realize, oh, gee, I can go in and request an increase. At that point I got the $1,500 (Pretty customary) increase from Citi.
Currently this sits at $4,300 but they also, through online chat, reduced my APR by %5. No complaints on the card really, but I hope that provides a focus on my data #'s during approval.
When I applied for the AA Platinum Select a month ago, they pulled EQ+EX. I had:
Applied online for the 60k points offer and instantly approved with $6,500 credit line. I also have checking and savings accounts with Citi since 2012.
If you have at 6 or more inquiries within the last 6 months, there is very good chance Citi denies the application. So getting the inquiries to age off as well as increasing AAoA should be a good choice.
I know you have decided to garden, and I fully support that decision. Just to add DP to the conversation, this is what I had when I applied for Citi AA in October 2017:
- 11 TL, 82K revolving and a new personal loan
- 1 existing CC with Citi that was 5.5 years old
- Mortgage reporting, 9 closed accounts in good standing still reporting
- Total utilization < 1%, AZEO
- 6/12, 3 opened one month prior, 1 loan opened 4 months prior
- AAoA over 8 years
- Inquiries at time of application (less than 6 months old): EQ=2, EX=8. Both bureaus pulled and added one inquiry each with this approval.
- FICO 08 at time of application: EQ = 840, EX = 776
I was approved for SL 10,500. I applied at the tail-end of a spree then gardened for 1 year. I've received 2 CLIs in that time, just hovering before 6 months from the last.
I recieved mailer a few days before christmas. I entered the code and saw a rage for apr instead of single digit. Going against everything I believe I apped and was an instant approval for 13,700. They only pulled EX for me and was at 742. ( My others are lower so I am glad they did not pull them). Income is just shy of 95000. Uti is always single digits I think around 1% when I applied. I had 18 inquries on EX with 5 about to fall off and about 7 of them from car rate shopping which I guess counts as 1 inq but still shows a lot of pulls. Dont know if this helps or not but this is where I was when approved. Not sure if being a AAdvantage member for a while helped, but, have heard rumors that with some airline cards and invitation or long history with airline helps.