@zooyork970 wrote:Recently wanted to get back into the AAdvantage card game to rack up some AA miles and applied for the Citi AAdvatange Platinum Select World Elite card.
Was an AAdvantage Platinum Select holder until about late 2016 when Citi closed the account due to a returned payment when I was on unemployment and going thru a bit of a rough patch. I was able to secure a payment agreement and lower APR on the card and paid for about 14 months until I finally paid the entire balance in full around August 2018. Before the hiccup, I was a loyal customer for almost 4 years with impeccible payment history and even received 2 CLI during that time.
Filled out the app online and got an instant decline. Called app status to see why I was declined and was told about "past relationships". Was told there was nothing they could do, so I called in again day after to actually speak to someone in the credit analysis department. Was told the same but given absolutely no details about how to go about getting this removed or having a reconsideration done.
I have AMEX Blue Sky, Everyday, and Platinum cards, and a Chase SWA RR card that I use for my tolls to keep activity rolling thru monthly. Barclays Aviator Red (Yes I know it's an AA card as well), and Apple Rewards card. Have had zero problems obtaining credit as I have FICO scores in the ~739-742 range for all three agencies and 8% utilization across all accounts that I mentioned, primarily in my monthly spend which is paid off every month on the AMEX platinum.
Does anyone have any experience with Citi in this regard? I figured because it was never charged off and PIF that there would have been some leeway -- especially with my past history,
This is why I smile whenever someone on this forum talks about building a "relationship" with a bank. There's no such thing. Banks will cut you off at the knees.
