Chances of Citi AA Card?

[steelers1]

I would love to be able to get a Citi AA card.

 

American Airlines has he most gates in Pittsburgh so it would be a good fit.

 

I have a BK7 discharged 8/14.

 

I DID NOT IIB Citi.

 

I have also had a nice rebuild so far with over $137,000 in revolving lines and no negatives since the BK7.

 

My EX FICO is at 693 right now but I am hoping to be over 700 in the next few days.

 

Utilization sits around 4%.

 

I have read in the credit pulls that there were a few that got approved for Citi Costco Anywhere card with younger BK's than mine.

 

Do you think I have a shot? Am I ready for PRIME TIME?

 

 

[Gypsee]

No...bk too soon and they arent bk friendly

[Sword and Armor]

Might be worth a shot,

 

https://creditboards.com/forums/index.php?app=creditpulls

 

There looks to be a bunch of people with BK's that have been approved

[Big Bear]

Are you willing to burn an inquiry, for science?

 

Is your EX waiting for something to update to be more inline with the other two?

[steelers1]

Are you willing to burn an inquiry, for science?

 

Is your EX waiting for something to update to be more inline with the other two?

 

This is definitely not a GP move or just a play for science.

 

This is a card that I really want and according to recent Citi approvals I may have a chance for approval.

 

I am waiting for recent payments to post to the CRA's that will show a 0 bal. Nothing crazy just from normal spend.

 

I also will have 2 accounts that when the payments post will show 24 months history. I'm hoping to be over 700 on EX when this happens.

 

I have a total of 2 inquires on EX in the last 24 months. 1 from Discover 12/15 and the other from Blispay 4/16.

Edited December 7, 2016 by steelers1

[hegemony]

p<=.34

[Big Bear]

The BK is really the deciding factor, even with a score over 700. If there are other approvals out there with similar credit factors, then it's at least better than trying to hit a bullseye in the dark.

[Konrad2012]

at least better than trying to hit a bullseye in the dark.

 

 

[Konrad2012]

 

 

This is definitely not a GP move or just a play for science.

 

This is a card that I really want and according to recent Citi approvals I may have a chance for approval.

 

 

There is no solid yes or no answer for you. As you see, Citi has approved for the card with recent BK's. I'm sure they've denied plenty as well.

 

Wait for the $0 balances to report and give it a shot. That's all you can do.

 

Actually, hopefully you left a couple bucks on one of the cards for the possible $2 trick...I really have no idea if there's any benefit with a BK reporting or not.

 

And if you're denied, don't be afraid to appeal to the EO

[Big Bear]

 

at least better than trying to hit a bullseye in the dark.

 

 

 

Love this.

[mendelssohn]

Some have claimed that approvals for the AA cards are more liberal. It might be worth a shot.

[Big Bear]

It sounds like we all think you have a chance. Not a guarantee, but a true shot here.

 

Give a go once the balances update.

[steelers1]

Guys thank you for your responses as they are much appreciated.

 

I am going to give it a shot this weekend.

 

I will let you all know as soon as I do.

[Big Bear]

Good luck! Let us know the score change before walking into the app.

[steelers1]

Well guys I gave it a shot and was denied.

 

EX fico did not change with the updates it was 693 at application.

[pickleman773]

I was approved yesterday for the AA Card by Citi and given an $8,500 credit limit. My BK was discharged 11/08, utilization 3%, and my credit score is 700.

[steelers1]

I was approved yesterday for the AA Card by Citi and given an $8,500 credit limit. My BK was discharged 11/08, utilization 3%, and my credit score is 700.

 

Congats! Its a card on my wish list.

[pickleman773]

Thank you!

 

I forgot to mention I received the "please call us to verify" message after I applied, not instant approval. When I called they asked about my income, verified my name, address, and phone #. I was put on hold for 3 min then approved. I think they are tough on BK's because I've been denied in the past by them.

 

 

I was approved yesterday for the AA Card by Citi and given an $8,500 credit limit. My BK was discharged 11/08, utilization 3%, and my credit score is 700.

Congats! Its a card on my wish list.