So, Chase won't give me a chance w their SW Airlines cards and I decided to try with American since I do fly them often. I keep getting these incredible offers in the mail from SW Air (with a range of APRs so I know it's not a pre-approval) but some of my scores have risen lately and my util % has gone down some so I app'd for SW Premier and got shot down due to util% higher than they want to see and AAoA (possibly the 5/24 issue as well but that was not noted in my denial letter).
Yesterday I needed to book some travel on American and I saw the 50k bonus miles offer at the bottom of the page before moving onto their payment screen. I already have the generic AA credit card and love that one because it's 6 months interest free for purchases, but I wanted that 50k miles deal so I app'd and shocker- got approved for a $4k SL.
- My income is 135k per year and my util % is at 41 (don't shame me- I'm paying it all off, was at 65% 5 months ago).
- I live in Arizona. They pulled Experian and my score was 655. Double pull for Equifax and I was at 650.
- No baddies and no lates at all.
- I've been with their frequent flyer program since 2009.
- I have some other Citi accounts- the aforementioned AA generic card, Double Cash and Big O Tires retail card.
- My AAoA is 4.5 years.
I was surprised by the approval and the SL. I thought even if I got approved they'd throw me $2k at the most. I was even making up a song while the app was processing "You gonna get shot down.....because you ain't got the scores, son....they gonna pull your file and say "you're nothing but pond scum" but the approval came through.
I was a LITTLE BIT SALTY when I went to the Citi cards website and saw they have a 60k bonus miles offer for this card, but I'm just glad for the approval and 50k w minimum spend within 60 days.
Have to give them props- they provided me with the account number, 3 digit security code and temp exp date until the card arrives in the mail so I could use the account to book travel the moment I finished the application. I'm gardening for awhile and continuing the march to 0% utilization. Will pay the full balance on this when I get the account registered online when the physical card arrives.
