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Citi AAdvantage approval 7500 all/50k miles/20% apr

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Citi AAdvantage approval 7500 all/50k miles/20% apr

Dp's- 749 FICO pulled exp.. Guess it was FICO 9 since FICO 8 is 742. 60 days since first Citi approval. Email with a personal code to apply. No set apr in email..
7 scorable inquiries at time of app, 8 %UTI, 4th card approval since May.
7th new cc account in past 12 months.
Wondering if can use this hard pull for a cli on my first card?
Need anymore data points lmk

br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



9 REPLIES 9
Valued Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

Congrats on your approval!! You can ask Citi for a SP CLI every 6 months. I've never asked for a HP one 🤷🏽
Message 2 of 10
Frequent Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

Yes but I was wondering if since I took a hard pull for this 2nd card if they would possibly increase my limit on my first card which I got 60 days ago using the hard pull that I just got from the new approval.
Most likely won't push it and will not willingly take a hp for a cli at this point I have enough. Feels good to say. But never want to miss an opportunity
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 3 of 10
Moderator

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

Grats on the AA card Smiley Happy

 

It could be a Fico 8 score there are different flavors of it. Not everyone uses the basic to approve. One of my CUs uses Fico 8 mortgate for all approvals.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 4 of 10
Frequent Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

You are correct. I just checked my FICO bankcard 8 score. It is exactly 749. I didn't realize when I posted
Thanks.
I have some more research to do.
I'm now set up for miles, but time will tell if either Delta or AA annual fes will be worth it to us. We plan to travel once a year at least. Actually taking first vacation paid from first Amex sub 50k tomorrow morning headed to Florida!.
Most likely outcome one card is downgraded to the 0 AF version.
Thinking maybe keep the AAdvantage card with AF. Downgrade negotiate, or cancel fiance's Delta with a 1k limit, then have her get the Blue version (once in a lifetime bonus)
That way I don't restart CITI-AAdvantage 1/24 sub clock.
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 5 of 10
Frequent Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

Awesome! Congrats!


Barclays Aviator Red 4k
Citi AAdvantage Platinum Select 10.5k
Amazon Store Card 10k
Chase Freedom Unlimited 11.7k

Fico 8s as of 11/1/2019:







In the Garden Since: 08/28/19
Message 6 of 10
Established Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

simoncongrat.gif


AU




Starting Score: 651
Current Score: 683
Goal Score: 751

Take the myFICO Fitness Challenge
Message 7 of 10
Valued Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

Nice Win @dtk6802! Especially since it’s only been 60 days since their last Approval. Citi is either in love with you or talking smack behind your back..you got em on the hook! Congrats!
Message 8 of 10
Frequent Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

Credit iscrack I think u got it man. They think I'll end up messing up with these high limits they gave me in the end. With my pretty young history, it seems like Synchrony and Discover have hit the brakes with me(until I can prove I'll handle big boy limits) on cli.
Before this past month my cl denials from Amazon would be not enough time with limit. Now it's saying that's all the highest limit I'm able to receive at this point(6k up from 2500 3 months ago...)
Disco has really become less than valuable to me as my credit grew. Mostly after BBP approval. Even 5% restaurants I'll take 4 MR'S with my GOLD card id say they are about a wash compared to Disco+end year match 10% on restaurants. Great when sending money with PayPal actually works for me (PayPal freezes unfreezing account weekly...)For me the twin 2k limits are a bit of a hassle but can obv. work around them.
Seems like Citi and Amex are trying to one up each other. Citi topped all my Credit cards with 5400 in July then August Amex basically matched with bbp at 5300 sl. Now September Citi AAdvantage at 7500 might be a coincidence since amex are biz cards... Plus used my DW amex Delta gold. Got Delta comfort plus seats. Felt like we were in coach... We asked for our complimentary drinks a bit early and were basically laughed at because crappy snack wasn't served yet. They made it seem like a meal and drink were free but just cheez its...
br>Starting score(February 2018)-520
Current Score: FICO 8- 742EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 9 of 10
Senior Contributor

Re: Citi AAdvantage approval 7500 all/50k miles/20% apr

 

Congrats!!!

 

Message 10 of 10
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