Denied for AAdvantage Card

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4 posts
nyctory
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Location: new york city

Denied for AAdvantage Card

Postby nyctory » Tue Dec 17, 2013 3:55 pm

I have a good credit score. I got Chase, BOA, Discover, average credit limit is around $8000-15000.

I always used my Citibank checking account to paid chase,BOA,and discover's credit cards balance.should be a very good paying history for citi to review it.

i had a citi credit card before in year 2005,with the credit line is 12000.i had one late paid history back to 2005 when i was traveled away from my house. i can't make that minimum payment for that month.when i got back from vacation,i gave citi a call and explained why.they said ok with that. i paid off the full balance immediately.but after that,citi canceled my credit card.basically,this is the whole sad story.

Citi® Platinum Select® / AAdvantage® Card(s)

Thank you for applying for the Citi® Platinum Select® / AAdvantage® Card(s).
We sincerely appreciate your interest and after carefully considering your application we are unable to approve your request. You will receive written notification with the reasons for the decision. If you have further questions once you receive the letter, please call us at the number listed.


any one can give me some advice?if i give citi a call, what should i ask or tell them?

thank you so much~~~any advice will be appreciate!


MemberSince99
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Postby MemberSince99 » Thu Dec 19, 2013 7:56 pm

They will generally make you wait for the letter if you call in so just wait until it comes and see what the reasons are. They will deny you for too many inquiries (I heard more than 3 in the last 6 months is an issue), new accounts, even not carrying a balance on a credit card (I was actually declined for that reason once by them).


They are not real great to recon with, I can tell you that from personal experience (I tried and got NOWHERE and so have many others from what I've read). Your best bet is once you get the letter, write to their executive office asking for reconsideration. The front line CSRs don't seem to have much if any ability to override a decline. With Chase you can call their analysts and often talk them into giving you a shot, but it doesn't work that way with Citi. At least it never has for me or most people I read about.


So that's what I would say. Wait for the letter see what their reasons are then contact the EO and see what they can do for you.

PhoenixDown
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Location: NYC

Postby PhoenixDown » Thu Dec 19, 2013 9:15 pm

NYCtory, I was thinking of applying for that card, do you know who they pulled? I am also in nyc.

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djrez4
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Postby djrez4 » Thu Dec 19, 2013 9:43 pm

Ask the Twitter team to have someone call you. No waiting for letters, no shenanigans with frontline CSRs.
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