Citi Card Executive AA vs Prestige

[Anonymous]

Hello everyone, I'm new to these fourms but Long story short I'm the owner/CEO/Founder of Citadel Trading LLC a Broker Dealer firm based out of San Francisco, CA. 

Being relatively young at the age of 20 our first year in business has accumilated 42,760,231 revenue. I need a card which can give me excellent service and wont DENY my charges when im on a trip to monaco again!!!! (AMEX)!!! i see these two cards and im actually wanting to get one. My credit was ruined from the second i turned 18 by maxing it out... so my scores now are 700 on EQ, EX, TU well atleast Creditkarma thinks so... I don't want a Hard Pull just to get declined so im wondering if i apply with my scores of 700 for either one of these cards (and my Income is 1M+) will i be approved?? i know none of you are Senior Credit Analyst but I'm hoping for some members of citi whom have the card to help! 

(anything helps) 

[Anonymous]

oh and i have BofA CC, Wells Fargo CC, Discover CC, and AMEX Charge Card, 

[Anonymous]

Welcome!  I wasn't aware that Citadel HQ moved from Chicago!?  

Best of luck with your dilemma.

[Anonymous]

You're thinking of Citadel Securities LLC, Kennith Griffin? Hedge Fund Manager hahahaha no where near there, hope to be someday.

[tntexans72]

If you have bad credit with a high 7 figures in annual revenue, I would hit up 3 banks - Chase, WF, and Bofa. Deposit $100k in each bank and get you a secure visa, wait one year and they'll unsecured it for ya. Either that or pay cash...you will never be declined I tend to get the best service from merchants when I hand them cash.

[Anonymous]

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@tntexans72 wrote:
If you have bad credit with a high 7 figures in annual revenue, I would hit up 3 banks - Chase, WF, and Bofa. Deposit $100k in each bank and get you a secure visa, wait one year and they'll unsecured it for ya. Either that or pay cash...you will never be declined I tend to get the best service from merchants when I hand them cash.

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Generally the banks that offer secured Visa and Mastercards limit the credit limit to a Maximum of $5,000 to $10,000 so don't be surprised. Also, I wonder if the big banks private banking couldn't fix you up.

[tntexans72]

If you have a business relationship with any banks and a 7 figures annual revenue, talk to a private banker or a VP at any local bank. They will take care all your needs. They will have no problem overriding approvals.

[CreditCuriosity]

As stated by other deposit a slew of cash in one of the big banks such as chase and the private banker should be able to get you the palladium or something pretty much regardless of score if you park enough money at a given bank.  Also you say you scores are in the 700's that isn't bad at all and shouldn't have a problem getting an approval in that range.  

[tr24]

lol I guess it's story time on the myFico forums today.

[Anonymous]

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@Anonymous wrote:

Hello everyone, I'm new to these fourms but Long story short I'm the owner/CEO/Founder of Citadel Trading LLC a Broker Dealer firm based out of San Francisco, CA. 

Being relatively young at the age of 20 our first year in business has accumilated 42,760,231 revenue. I need a card which can give me excellent service and wont DENY my charges when im on a trip to monaco again!!!! (AMEX)!!! i see these two cards and im actually wanting to get one. My credit was ruined from the second i turned 18 by maxing it out... so my scores now are 700 on EQ, EX, TU well atleast Creditkarma thinks so... I don't want a Hard Pull just to get declined so im wondering if i apply with my scores of 700 for either one of these cards (and my Income is 1M+) will i be approved?? i know none of you are Senior Credit Analyst but I'm hoping for some members of citi whom have the card to help! 

(anything helps) 

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I have a similar question.  I am the CEO/Owner/Founder of Apple in Cupertino, CA.  FY 15 we made 51.5 billion.  I am looking for a card that will allow me to spend that much and not be declined when I am on my yacht that daddy bought me.  I know you are all a bunch of petty useless people who are nothing compared to me, but I would like to know your opinion anyway (as long as you understand I am far superior to you).