Time to choose an Airline CC

[Anonymous]

Hello All,

  I have not applied for a CC in years. I always wanted an AADvantage card but have held off as my credit needed to be repaired. I have two CC's now ($5k limit each). I carry no balance at the end of the month and I actually rarely use one of them. My credit is the best it has ever been and its time to choose a card. Its between Southwest Priority or American Airlines AAdvantage.

My scores are as of right now Exp 819 Eq 825 TU 818

I dare say I shouldn't have any issues, I am like a hawk when it comes to my credit so I can't help but feel apprehensive applying for one of these cards.

Which airline do I fly mostly? American! No brainer then! However, I'd like to start flying Southwest as well so in a perfect world I would like both cards but I dare say applying simultaenously would not be a good idea regardless of my score/s yes? Any idea on length of time between applying for multiple CC's? I'm in no real hurry but would like both eventually.

I want the airline card to help me gain status quicker and of course to eventually be able to use the miles for tickets etc.

Any ideas on what the limit would be? I'd be disappointed with $5k or less I have just never asked for an increase on my existing cards. I make approx $175k annually if that helps and own a home and have one car note. That's it!

I hope to learn alot now that I have signed up and thanks all in advance! 

Its between the AAdvantage Platinum Select World or World Elite! 

[Anonymous]

I went ahead and pulled the trigger on the AAdvantage Platinum Select World Elite. The wait begins....

[Gmood1]

No need to wait. Call them in the morning , once the UW department opens.
I'm guessing verification is needed if you didn't receive an instant approval.

If you want the other card. Go ahead and grab it. Two different lenders here.
Two apps aren't going to destroy your chances.
You should get both easily.

[Priory_Man]

Barclays Red Aviator is also an AAdvantage card, current SUB is 50k miles after first purchase plus payment of $95 AF. Picked that one up myself even though I already have the Citi Exec version.

[Anonymous]

Oh so should have been instant? I unlocked all reports last night prior to applying!

I will call them as you said and let you know the result. Anxious to finally have this card and I will use it for everything if they give me a good spending limit.

I'm trying to call in, who do I contact again? Everything is wanting me to enter my CC number which of course I don't have one yet.

[Anonymous]

Ok, on with them now. They showed my Experian as being locked but I had unlocked it. Turns out I still have a Security freeze on my account so off to Experian I go to calland lift. smh!

[Gmood1]

Since you haven't applied in a long while. Even if it didn't have a freeze on it, there's a good chance you'd still have to call them for verification.
Good luck! Though I doubt you need it.

[Anonymous]

Got the freeze removed, Experian said give it 15-20m so I am giving it 30m or so and I am calling Citi back and getting my card!!!!

[Anonymous]

Interesting and I am none too thrilled about this process so far. I called Citi again, they were able to access my Experian and I was logged onto Experian service and saw the inquiry as shown here:

"CITI CARDS CBNA obtained a copy of your EXPERIAN Credit Report.

A lender has requested a copy of your Credit Report for a bank/credit card. Every time you apply for credit, a 'hard inquiry' is placed on your Credit Report and it may stay on your report for 25 months.

Alert Details Alert Date Jan 24, 2019

Source EXPERIAN

Company CITI CARDS CBNA

Address PO BOX 6000 SIOUX FALLS, SD 571176000"

She then comes back on the line saying they still need to verify some information and I will get a phone call and email about the final decision. **bleep**? Not liking how annoying this is but again I am so hawkish about my credit so I can't help but be annoyed and wondering what the problem is. 

I know someone mentioned applying for the Southwest card as well, no way after the way this process is going.

[Remedios]

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@Anonymous wrote:

Interesting and I am none too thrilled about this process so far. I called Citi again, they were able to access my Experian and I was logged onto Experian service and saw the inquiry as shown here:

"CITI CARDS CBNA obtained a copy of your EXPERIAN Credit Report.

A lender has requested a copy of your Credit Report for a bank/credit card. Every time you apply for credit, a 'hard inquiry' is placed on your Credit Report and it may stay on your report for 25 months.

Alert Details Alert Date Jan 24, 2019

Source EXPERIAN

Company CITI CARDS CBNA

Address PO BOX 6000 SIOUX FALLS, SD 571176000"

She then comes back on the line saying they still need to verify some information and I will get a phone call and email about the final decision. **bleep**? Not liking how annoying this is but again I am so hawkish about my credit so I can't help but be annoyed and wondering what the problem is. 

I know someone mentioned applying for the Southwest card as well, no way after the way this process is going.

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OP, it's only been 12 hrs since you applied. Verification is becoming more and more common these days. 

It's best if you get used to it. 

Good luck with your application