Out of the Garden: Citi AAdvantage Platinum Select & AMEX 3x CLI

[Anonymous]

I've been in the garden for about 3 months now, but decided to come out briefly to apply for the 60k mile offer from Citi for their Platinum Select card. I haven't had luck with Citi in the past, but they instantly approved me this time for $6,500 (my highest SL to date)! 

EDIT: Was feeling lucky and my 3x CLI opportunity has come up this month, so I went for it. Instant approval of 3x CLI on my AMEX BCP!

[Anonymous]

Awesome approval and SUB!  With your scores, low utilization and a it of gardening to lessen the impact of past inquiries that approval doesn't surprise me!

Have you ever burned them before?

[Anonymous]

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@Anonymous wrote:

Awesome approval and SUB!  With your scores, low utilization and a it of gardening to lessen the impact of past inquiries that approval doesn't surprise me!

Have you ever burned them before?

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Thanks! Never burned them, or anyone else, totally clean report (zero baddies). My only concern was my inquiries, I have 8 hard pulls in the last 3 months. Citi is pretty sensitive to inqs, but seems like I snuck by!

[Anonymous]

They might be!  But I have a good buddy I work with and he apps for everything new always and he never gets declined for inquiries (and he has a LOT of them).  His utilization is mega low as he abides the AZEO plan, and I am guessing most lenders who are rumored to hate inquiries might actually hate high utilization + inquiries more than inquiries alone.

[Anonymous]

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@Anonymous wrote:

They might be!  But I have a good buddy I work with and he apps for everything new always and he never gets declined for inquiries (and he has a LOT of them).  His utilization is mega low as he abides the AZEO plan, and I am guessing most lenders who are rumored to hate inquiries might actually hate high utilization + inquiries more than inquiries alone.

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True, that may be the case. The only thing bringing my score down is AAoA and Inqs (having opened about 6 cards in the past year and only having 2 cards previously), but my util and payment history is excellent.

Also, since I was feeling lucky off of this Citi AA approval, I went for a 3x CLI on my AMEX BCP and got an instant approval! Went from $1,000 -> $3,000. I've had the card since 2/2017 and put about $2,000 through it. 

[AverageJoesCredit]

Way to go Lavathing . Great approval and enjoy that 3xr. Looks like we are on path for approval by Amex in Feb. Next up 9k