CITI AA advantage American Express card

[Anonymous]

who do they pull?  Is it EX since it's an AMEX card?

[Anonymous]

citi pulls regional, just depends on where you live. the only connection would be that it uses the amex network, the funds are backed by citi.

[Anonymous]

Unless I am mistaken - That card is really a CitiCard that uses the Amex Network.  All benifits and card management are handled by Citibank.  It will report on your CR as a CitiCard.  The credit pull depends on where you live.

WBLAKE

Message Edited by WBLAKE on 03-19-2008 05:38 PM

[Anonymous]

thanks..in that case i think they will pull Eq since I am in NC...better wait till my utilization updates with them first..

[Anonymous]

Keep in mind that this is a no preset spending limit card, and the credit line most likely won't be reported to the CRAs. 

[Anonymous]

Is the Amex no pre set or just the World points?  I was also looking at the regular MC since Amex scares me.

Hmmm looking at all of em and all mention limts in the T&Cs nomenton of no preset

Message Edited by Brammy on 03-20-2008 07:25 AM

[Anonymous]

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Brammy wrote:

Is the Amex no pre set or just the World points?  I was also looking at the regular MC since Amex scares me.

Hmmm looking at all of em and all mention limts in the T&Cs nomenton of no preset

Message Edited by Brammy on 03-20-2008 07:25 AM

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The Citi AAdvantage American Express card has no pre-set spending limit.   From the Citi website--

Like most credit cards, you'll have a revolving line of credit. But the Citi® / AAdvantage® American Express® Card gives you more spending power with no pre-set spending limit. You will not incur over-the-limit fees for each month in which you spend beyond the revolving line.

World MasterCards and Signature Visa cards also have no pre-set spending limits. 

[Anonymous]

Guess the links I'm finding don't this..lol!!! Pulls up the apps and no mention in the T&Cs. Says limit can be as low as 2k

[Anonymous]

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Brammy wrote:

Guess the links I'm finding don't this..lol!!! Pulls up the apps and no mention in the T&Cs. Says limit can be as low as 2k

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Go to Citi / AAdvantage cards page on the Citi website.  Under the AAdvantage American Express card, click the blue "Quick Facts" link, then click the blue "View Card Details" link. 

[Anonymous]

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Brammy wrote:

Hmmm looking at all of em and all mention limts in the T&Cs nomenton of no preset

Message Edited by Brammy on 03-20-2008 07:25 AM

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Another way of determining if a card has a no pre-set spending limit is to look at the T&Cs, and see if any mention is made of an "over limit fee."  If there is an over limit fee, then the card does have a pre-set spending limit.  When reviewing the AAdvantage American Express card's T&Cs, you see--

Balance transfer fee:   3% of each balance transfer; $5 minimum.
Cash advance fee:       3% of each cash advance; $5 minimum.

Late fee:                     • $15 on balances up to $100
                                     • $29 on balances of $100 up to $250
                                     • $39 on balances of $250 and over

No mention is made of an over limit fee.  This method probably works for most cards, except for American Express Clear, which boasts no fees.