First App Spree: UPDATED!!!!

[myjourney]

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@Anonymous wrote:
The Citi att access card give u x3 point when you pay tor things online. I read in a blog that a bill pay site is under the list of approved merchants to get x3 point per dollar. I have over 5k in rent I pay every month so there over 15k in points every month.

So I was wondering when I could app for this card?

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Oh I see now wasn't aware of that 

Thanks 

[Anonymous]

So do u have any idea of what to in this situation?

[myjourney]

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@Anonymous wrote:
So do u have any idea of what to in this situation?

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I have no experience with that card so sorry to say it's never held my interest....being honest

However you need to do more research 

1) what are the point worth (redemption) and what can they be used for? 

Merchandise and GC's are a sure sign of not much if that's the case

2) are there other cards that might give less points but better redemption rewards?

Like TYP, MR, UR etc 

[Anonymous]

I have done the research and they are TYP points to help me fly internationally cause I live on the west coast its easy for me to go to Asia which there r a lot of city I want to visit.

It's cool if you r not sure when is the time line that I can apply for another card with Citi. I put I thread up.asking if anyone knows and I can always call Citi and ask them.

[Anonymous]

yeah. sorry you aren't getting definitive answers. it just appears the few of us in this thread haven't had much experience with all this and we are humble enough not to BS you and purposely lead you in the wrong direction.

[Anonymous]

It's al good I respect yall for that.

[Anonymous]

TBH idk any citi freaks in here. usually someone is above most others on at least one institution i just don't know the citi wiz

[Anonymous]

Congrats on the approvals! Glad you went for the Prestige over the Premier. 10k more TYP's for the same required spend. That's a nice approval on the Everyday. On the Ink 7-10 days could be a denial but could just as easily be a verification. Either ID verification or business verfication such as providing them proof of business address or EIN. Does Citi have branches local to you? Isn't there a 50k TYP offer for opening Gold checking and it also drops the AF on the Prestige by 100 a year? Might be worth looking into. 

[Anonymous]

Thanks TA

Well the Ink Plus was the first card I apped for that day and the Marriott was the last card I apped for. I had the 30 day message at first for the Ink Plus and then after I apped for the Marriott ir switch to the 7-10 days. Chase is so inconsistent who knows you know lol.

I do have a Citi close to me can I still get it reduce to $350 even after I get the card? I wasnt increased in opening an account with them is there a thread or article that explains how to get the account and the lowered AF and then drop the account a few months later.

[OmarGB9]

Grats on the approvals.

One thing I did want to point out, though, is that you said you own a business and run your expenses through your cards. While most lenders probably don't care, I would be very careful with running your business expenses through Amex; they do NOT like it when you use personal cards for business purposes. They prefer you get a business card for that.