Should I get the AAdvantage?

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Should I get the AAdvantage?

Postby Jboogie » Tue Oct 16, 2012 4:18 am

Hey all! I'm in need of some advice and so I turned to this great board. For the past 2 years I've been working on my credit, paying off bills, collections etc. I was just approved last Monday for a Amex Green Card (yaaayyy) and currently have a Discover (AU) with a 5k limit, Merrick Bank 650.00 limit and a secured card with a $400 limit. No balance on Merrick, $100 on secured, PIF every month and about 2500 on Discover but it's paid in half every month( we use it for rewards)

My question is would it be a good idea to apply for the Citi AAdvantage card now or in a few months? I am looking to diversify my credit cards and earn miles as I do a lot of traveling.

From what I read citi has been kind of generous with their credit lines and I think this card would set me up good for not having to apply for a card for at least 2 more years. My score is showing at 686 and was that when I got approved for the Amex. Only 1 inquiry..... Please advise!!!!

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Postby Money card » Sat Oct 20, 2012 12:50 am

well since you travel and I assume when you say a lot of traveling you mean business travel. the Citibank american airlines advantage
is a good card I see people using this card alot at LLbean at Paramus park, walmart, Bjs, shoprite. this is a popular travel card
it would be a good idea. as you know you get the concierge service.

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Postby MOC » Sat Oct 20, 2012 3:54 am

I would wait to apply at least 3 months and maybe 6 months from the time you applied for the AMEX. I think they look at 6 month periods generally speaking. I would also check your credit to see your score and when your most recent inquiries were. If you've had some inquiries from apartments or power companies that you didn't remember or know about and then add the AMEX inquiry on top of that, you will not get approved. They don't care what the inquiries are for. They just look at the number of inquiries usually within the past 6 months to 1 year. I think over 3 recent inquiries means you will have to wait. Also, depending on how long ago you applied for those other cards, you may be looking at waiting 6 months to a year.

It is not worth the risk of adding another inquiry that results in a denial and then definitely having to wait 6 months or longer. I think you can go far with the AMEX which I know is not accepted everywhere, but you've got other cards to bridge the gap mostly at gas stations and local small stores / businesses. You can use the AMEX as your primary card and get MR points for travel on it. Then maybe you will be able to upgrade to the Gold Preferred Rewards at some point which is a full blown travel rewards card. When you do apply for another card, check your credit score and inquiries, pay off all your accounts or only leave a low balance on one. With 4 accounts and a fresh credit history, you may not be able to get an account right away also.

As far as whether or not the AAdvantage card is good, that really depends on if they are your airline of choice. I use US Airways because they fly everywhere from where I am fairly cheap, but their card sucks. I still have the US Airways card for the miles and the other perks I get when flying and booking. I know the AAdvantage is a better card than US Airways in terms of benefits and the issuer, but I do not have it and AA doesn't fly out of anywhere near me. They also are one of the crappiest airlines right now in terms of service. Their planes are falling apart and they are in bankruptcy. I also have a grudge against them, because they cancelled my girlfriend's flight, would not let her get her luggage, and then stole things from her bag and dumped her makeup out inside her bag to ensure she noticed. We told them about it and they did not do anything. I have not flown AA once since then. Whichever card you choose, you will have to stick with that airline to really take full advantage of the perks and get your money's worth out of your annual fee. AMEX also offers Delta cards if they are your airline of choice. If you wanted that, you could always change your AMEX card to that, but then you lose Membership Reward points. Sorry for the rant. Hope that helps a little.

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Postby jeffysdad » Sat Oct 20, 2012 6:42 am

But where will American Airlines be two years from now?
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

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