Got both Citi's Visa and MC for the AA miles..

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Got both Citi's Visa and MC for the AA miles..

Postby jmtdallastx » Tue Dec 11, 2012 5:38 pm

.. as soon as I received them I activated them both at the same time.

I started using the Visa because of the $3G requirement and plan to use the MC after that. I noticed on my credit report that the Visa caused a dip in the score because a payment was made. (MyFico showed a 20-point dip after it posted.)

Here's my question: Will the credit report take another hit once I start using the MC? Should I have used them at the same time after activation or does that not make a difference?

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Postby MaxPunishment » Sat Dec 15, 2012 12:11 am

I think both will show up on your credit report whether or not you activate them or not, since the hard credit check has already been done and your account has been approved (activation of the card is only to confirm receipt and is more of a formality I believe). Your credit took a big dip probably because of the credit checks and your average age of accounts being lowered, don't sweat it though, it will bounce back. The AAdvantage points you will get far outweigh the easily repairable hit your credit will take in the short term

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