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Citi AA Mileup 6.9k/AMEX Delta Gold ???

Established Contributor

Citi AA Mileup 6.9k/AMEX Delta Gold ???

I'm in the low-mid 700s for all three CRAs, trending up. Though maybe not so much with three new cards in 2021 (an earlier CU card/35k limit as well). Smiley Happy

Citi, like AMEX, was IIB (Ch 13) so it's nice to know they like me again. Smiley Wink 


(Sadly BofA still hates me so those cards are off limits, and I'm LOL/24 on Chase and will be for a while.)

Plan is to use the MileUp for a while as an AA card and then I might swap it to the Citi DC if I decide to plunge into the ThankYou ecosystem. Probably with a Citi Premier, and then I will have Decisions™ to make on my AMEX Gold and Green. The thing is I use rental cars enough that I can't stay entirely inside their ecosystem (Citi doesn't do rental car coverage, save for Costco cobrands... which I don't have a membership for), so I probably end up keeping Green or switching everything over to a 2% cashback card with insurance if I really decide I'm mostly defecting to Team Citi.


It's a teeny tiny bonus (10k miles + $50 statement credit with $500 spend) but I was afraid of getting rejected and went for the one with the best odds. At some point I will probably lightly churn through some Citi AA cards and downgrade them to MileUps.

It seems that AMEX has me at a four card limit so it's goodbye to the AMEX Hilton no-AF and hello to the Delta AMEX Gold with 70k DL after 2k spend + $200 statement credit after a Delta purchase. I had to do this through recon (cancel Hilton, recon, get approved) so I don't know the CL yet.

First Tech FCU Choice Rewards World MC 35k
Fidelity VISA Signature 11.5k
Capital One Quicksilver 11k
Amex Gold NPSL
Amex Green NPSL
SoFi MC World Elite 8k
PayPal Synchrony MC 6.4k
Citi AA Mileup 6.9k
Petal2 VISA 6k
AMEX Hilton Aspire 6.2k
DiscoverIt Cashback 5k
Amazon/Synchrony 5k 5k
AMEX Marriott Bonvoy Brilliant 3.1k
Apple Card 3k
Cathay Pacific/Synchrony 2.5k
AMEX Delta Gold 2.2k
Target 800
Ch 13 filed 12/13 discharged as paid 1/19
Message 1 of 7
Super Contributor

Re: Citi AA Mileup 6.9k/AMEX Delta Gold ???

Congratulations on your approvals!
Message 2 of 7
Senior Contributor

Re: Citi AA Mileup 6.9k/AMEX Delta Gold ???

Congratulations on your approvals!

Current Cards (in order of approval):

Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:

Currently: 2/6, 2/12, 5/24
Message 3 of 7
Established Contributor

Re: Citi AA Mileup 6.9k/AMEX Delta Gold ???

Congratulations 🎉 on your approvals. 🚗 🛩 

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s

Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 4 of 7
Epic Contributor

Re: Citi AA Mileup 6.9k/AMEX Delta Gold ???

Congratulations on your approval! ...

Message 5 of 7

Re: Citi AA Mileup 6.9k/AMEX Delta Gold ???

Grats on your AA Citi card and your new Amex Smiley Happy

Message 6 of 7
Valued Contributor

Re: Citi AA Mileup 6.9k/AMEX Delta Gold ???

 Congratulations, nice to see the double approval! Enjoy them

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 7 of 7
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