Okay new news. You can have 2 citi cards maximum. But if one of your cards is a AAdvatange, you may have "3" cards. I was declined for the GOLD AAdvantage due to the maximum # of cards. I was Approved for AA Silver for $6K limit. Remember folks, i combined/closed the gold AA 1 Month ago. I then applied for two AA's again this month. This means: You can run them back to back. 10/00 AA Silver Approved -> converted to Plat. 08/01 AA Silver approved -> Converted to Div Plat 09/01 AA Gold Approved -> Combined with plat 10/01 AA Silver Approved 10/01 AA Gold Declined - too many cards. Remember to rinse and repeat as necessary.
You may have 2 Citibank cards plus 1 AAdvantage. An AAdvantage is a citibank card, there fore: 1 citi + 2 AA 2 citi + 1 AA 3 AA I think that covers it!
What is your goal with CITI? You have to be doing this for a reason. Hey, good thing you are testing the waters cause you helped me get a CITI plat with 18000 limit! Keep pressing those buttons
Thanks to Roni and Momof 3 , I start playing the citi AA game over a year ago.I currently have 1 plat select @8.15 with a 30500 limit and 1 Click plat select@8.15 with a 15000.00 limit! I have another AA silver pending and if approved will combine again!
Dang Sam! You are off the hook. I have an application for the Silver AA pending right now. Been calling to check the status. The good thing is that my credit score is ~50 points HIGHER than it was when I was originally approved for the 2 AA cards. So that's a good sign. Just called to check the status. My application is STILL in review process.
You guys seem to know what you're doing. I have two silver aas, can I just upgrade one to plat select? I want to hang on to one at least.
My first AA was approved at 575 , then 620, then 652 then 634. Citi uses their own scoring system, which i believe does not regard "old" negatives the same as fico. All of my derogs were from 96, very old. I also recommend disputing all negatives before applying. That being said, if you have recent issues, or BK, don't bother. Seems like most people in 615-650 range get approvals, however, ymmv, as their scoring system is vastly different. Also keep in mind, when i applied for the 2nd-4th card, I used my first card as a reference which does carry weight. They do look over your first card. Go apply for both the AA Silver and AA Gold at the same day. You'll get either Both or non, and one inquiry(www.millcbs.com). None of my approvals were "instant". All 4 got the "We'll let you know message". Try it you might like it
Sam, you are the man! 9/01 got AA Silver $5000 9/01 got AA Gold $5000 9/01 gold and silver into Plat Select 9/01 got AA World Plat. $5000 10/01 combined World and Plat Select, got prime plus 3.99 APR $15000 total
Thanks for your input. I just went to the Citibank.com site, but see no mention of an AA Silver card. Can someone provide the link? Much appreciated!
Sam, knowing what you know now, how would you handle my situation? I have a Dividend Platinum Select (9K limit) and an AA Platinum WorldCard (10K limit). I got these cards just over a couple of months ago. Would you apply for an AA Gold or Silver now and leave my two existing cards alone? Or combine the existing cards first and then apply for a Gold/Silver? I'd like to end up with 3 cards when all is said and done. Appreciate the input! -chriscraft
Thanks for the link. I recieved the "we'll send you the results" message. Should I just go ahead and do the gold card application as well?? DB
Combine, wait for closure on the combined card (1 month?) Then apply for both silver and gold on the same day. You'll get both.
Thanks, Sam! Per your suggestion, I'll be combining my two cards today, waiting a month, and then applying for Gold and Silver. I will let you know how it turns out. Congratulations on your successes with Citi. You have truly blazed a trail for the rest of us. Your original suggestion to apply for the cards online resulted in my greatest credit victory to date - $19K in prime cards. I appreciate all of your help. Thank you. -chriscraft
