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Time to choose an Airline CC

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Anonymous
Not applicable

Re: Time to choose an Airline CC


@Remedios wrote:

@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.


 

 

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 


Ok, cool! No worries then, earlier someone mentioned it should be instant so if its now normal to have a verification window that's completely fine! Nice to know! Thanks!

Message 11 of 32
jdbkiang
Established Contributor

Re: Time to choose an Airline CC

With your scores, I wouldn't hesitate applying to both cards. They're with different banks, and it's unlikely that you get declined by either one (assuming you don't have any income or other issues). Verification is also common for people who haven't applied for a card in a long time, so waiting even up to a week is common. 







[2/2019]
Message 12 of 32
Anonymous
Not applicable

Re: Time to choose an Airline CC

No update yet, please tell me this is still a good sign. smh!

 

To reiterate, 2 CC's I have had for years...$0 balance on both (I don't carry a balance), mortgage and car payment and that's it! This should have been a breeze!

 

 

 

Message 13 of 32
Gmood1
Super Contributor

Re: Time to choose an Airline CC

Actually it doesn't quite work that way.
You need to show use of your credit cards. That doesn't mean carrying a balance. It means allowing some usage to report.

I still believe you'll be fine. Call them again and asked what your next step is. Normally with Citi, they transfer to a UW for verification. Once verified, they approve you for the card.

From what you described, there hasn't been much movement on your credit file. It can be a red flag to the lenders. For reasons I don't understand, they assume your identity may have been stolen.
You'll likely receive a letter requesting you call in and speak with someone for verification.
Message 14 of 32
Anonymous
Not applicable

Re: Time to choose an Airline CC


@Gmood1 wrote:
Actually it doesn't quite work that way.
You need to show use of your credit cards. That doesn't mean carrying a balance. It means allowing some usage to report.

I still believe you'll be fine. Call them again and asked what your next step is. Normally with Citi, they transfer to a UW for verification. Once verified, they approve you for the card.

From what you described, there hasn't been much movement on your credit file. It can be a red flag to the lenders. For reasons I don't understand, they assume your identity may have been stolen.
You'll likely receive a letter requesting you call in and speak with someone for verification.

Oh, I use the card/s..I just paid off $1200+ from oneof them today and it showed on my report as a balance when last reported. I will give them a call again and ask for a UW (I assume this means under writer?).

 

 

Message 15 of 32
Gmood1
Super Contributor

Re: Time to choose an Airline CC

Yes, that's right.
I always get a UW in Kentucky.
Hopefully they'll go ahead and complete your application.
Good deal on allowing your balances to report!😀
Message 16 of 32
Anonymous
Not applicable

Re: Time to choose an Airline CC


@Gmood1 wrote:
Yes, that's right.
I always get a UW in Kentucky.
Hopefully they'll go ahead and complete your application.
Good deal on allowing your balances to report!😀

I will call them tomorrow, lets see what happens!

Message 17 of 32
Anonymous
Not applicable

Re: Time to choose an Airline CC

Had the same thing with Citi when I applied for their premier card. Albeit it is a different product, it goes through the same system. You should be able to get it.

As for airline cards, I carry delta, american, and both southwest personal versions before chase initiated the one southwest card. I recommended calling retention every 3 months for an offer on your account to persuade you to keep the cards.

Good luck
Message 18 of 32
Anonymous
Not applicable

Re: Time to choose an Airline CC

I did not have a chance to call them today, but I just got this alert from Experian - 3pts isn't bad at all but still they better send a man his card. ha!

 

"Your FICO® Score has decreased by 3 points.

Good news. Even though your FICO® Score went down your Credit Rating did not so it should not impact your credit worthiness.

Alert Details

Alert Date Jan 26, 2019

Source EXPERIAN

New Score 816

Credit Rating Exceptional"

Message 19 of 32
800FICOGoal
Established Contributor

Re: Time to choose an Airline CC

@Anonymous wrote:

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.

.

.

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. 

Greetings from another AA'er.   Smiley Happy

 

Too bad I didn't see your post before you applied. I would have suggested the Barclays Aviator Red (with an eventual upgrade to Silver), as your first AA card.  At that point you're earning 3x miles per $ on AA flights. Thats a good chunk of miles to leave on the table, especially if you fly in premium cabins or very frequently.

 

Ultimately, the best card would really depend on how(first class, coach), and how much you fly (weekly, monthly, quarterly, international, domestic)? If you're not a road warrior, I wouldn't bother with the Southwest card yet. You can always get it sometime later.  Splitting your loyalty slows your mileage progress if you dont fly enough. As an alternative, you can pay for the WN tickets with the AA card and earn the WN points via your RR number. 

 

Again, your card choices really depend on your travel patterns. 

 

 


@Anonymous wrote:

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.


I'm not sure what you mean by "gain status quicker". The Citi AAdvantage Platinum has no EQM or EQD bonus that can be applied towards elite status. Only the Citi AAdvantage Executive and the Barclays Aviator Silver offer EQD and EQM bonuses. Did you mean boarding priority?

 

 


@Anonymous wrote:

Its between the AAdvantage Platinum Select World or World Elite! 


I want both!! LOL 



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