I Was DOUBLE DENIED for a Citi Credit Card! (Don’t Make This MISTAKE…)

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I Was DOUBLE DENIED for a Citi Credit Card! (Don’t Make This MISTAKE…)

Рет қаралды 37,735

Күн бұрын

DON’T make this mistake! I got denied TWICE for the Citi AAdvantage Executive World Elite Mastercard. Learn from my mistakes so YOU can hopefully get approved for your next Citi credit card! Click “Show More” to see Ad Disclosure.
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Travel credit cards tend to have some incredible signup bonuses to help you pay for your next flight, hotel, rental car, or cruise. For example, I recently applied for the Citi AAdvantage Executive card, which has a welcome offer to earn 100,000 American Airlines miles after spending $10K in the first 3 months. Unfortunately, I received an instant denial, and the Citi reconsideration line also said “no.”
Looking back on my credit card application, I saw a couple areas I should have improved further before hitting that Apply button.
So, MY credit card DENIAL should hopefully help you with YOUR future credit card APPROVAL, if you learn from my mistakes!
I’ll also reveal my credit score, credit inquiries, and more throughout the video to give you an idea of my broader credit situation.
For now, I’m going to focus on avoiding new credit cards in the hopes of cleaning up my credit report a bit. That way, if/when the rumored Citi Strate Elite card launches, I’ll ideally have better approval odds at that time. I’ll also make sure to keep my credit card utilization down while also using my existing Citi credit cards in the weeks leading up to a potential application.
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#creditcard #creditcards #creditcardapply

Пікірлер: 207

@MarkReese 11 ай бұрын

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@jimmyjames6492 11 ай бұрын

Double denial definitely stinks! Glad you were able to get the CC via product change. Thanks for the info + video!

@MarkReese 11 ай бұрын

It does, but yes, happy to have the card again now that I'm flying AA a lot more & can use their clubs 👊

@ethanrini813 11 ай бұрын

Another tip, Citi will not approve you if you have 0 balances on your cards, I know this when I got denied the first time for the Custom Cash at the beginning of the year.

@MarkReese 11 ай бұрын

Was that based on your experience, or also confirmed by a bunch of other data points from other people? Did Citi confirm the reason?

@ethanrini813 11 ай бұрын

Based on my experience, and what I researched, Citi does not like it when your revolving balances are too low. Even non citi accounts apply.

@MarkReese 11 ай бұрын

In the end, I did a product change from my AAdvantage MileUp card (with no bonus) 😬

@mistaskidda 11 ай бұрын

Mad lad!

@MasonsTurtle 11 ай бұрын

Oh dang. You really wanted that card huh.

@MarkReese 11 ай бұрын

@@mistaskidda😂🤙

@MarkReese 11 ай бұрын

@@MasonsTurtle- Yep 😬 I even told myself I'd get it again once an elevated offer came around. Well, it came around, but I simply couldn't get it haha.

@MarkReese 11 ай бұрын

@@MrBankRelations- They sure are! Used to take forever in the past (weeks!), but lately I've been pleasantly surprised. Way faster now & zero hassle.

@ahnonamos 11 ай бұрын

I appreciate you doing these application videos. The past four cards I received, I carefully watched your videos first. Thank you!

@MarkReese 11 ай бұрын

Glad you like them & find value in them! Congrats on your approvals 💯

@ctbt1832 11 ай бұрын

It’s amazing how they had his credit score higher on the paper they sent to him. That’s how you know this whole Credit stuff need to be revamped. It’s not accurate and it’s a stupid way. that they do it

@MarkReese 11 ай бұрын

Credit scoring is a wild game.

@PatrickDKing 11 ай бұрын

I've pretty much given up on Citi, I find them rather annoying. I had gotten the too low balance nonsense as well a while back.

@MarkReese 11 ай бұрын

😬

@Leoprieto74 11 ай бұрын

You still my hero Mark. Btw, I remember you had this beautiful card a few years ago.

@MarkReese 11 ай бұрын

Indeed! I've had the card twice in the past 👍 I tend to pick up the card whenever I'm flying AA frequently, since nowadays that's a requirement to use their club network. In the end I did a product change, so I've got it again!

@MilesSpearman 11 ай бұрын

Mark you are honestly the best, i always look forward to hearing your stories and the credit cards that you apply for and why you do it. I am happy that you were able to transfer for your card even though you weren’t able to get the bonus

@MarkReese 11 ай бұрын

Thanks Miles! Glad the sharing of personal experiences is helpful!

@DJOctober 11 ай бұрын

I applied for a Citi card with all three credit bureaus locked and they only wanted me to lift my Equifax! For reference, I live in Oklahoma. I hope this DP is helpful for someone! Congrats on the product change! Love your content - Ivan

@MarkReese 11 ай бұрын

Legit! Clearly, Citi pulls different bureaus based on location 👍 Totally jealous of that EQ pull (haven't gotten one of those in forever)!

@mathewmclean9128 11 ай бұрын

Wow! I never thought I would see that happen... You getting denied for a card that I just got approved for? Wow! I thought it would have been the opposite LOL. When I got approved for the card, I was absolutely shocked as I was expecting to be denied.

@MarkReese 11 ай бұрын

Welcome to the credit card game! 😂 Congrats on your approval!

@nelsdawgy 3 ай бұрын

Of all the videos on CC's I love yours the best! Keep it up. Liked and subscribed!

@MarkReese 3 ай бұрын

Glad you like them & thank you! 🥇

@TheCreditFrog 11 ай бұрын

My takeaway from this is that you never win with Citi. Thanks for sharing Mark! Sorry you got denied 😢

@MarkReese 11 ай бұрын

Well...I've won on 7 other occasions with Citi, so I wouldn't say never 😬

@urosorlovic11 11 ай бұрын

That is not true. He just has too many new accounts in a short period of time.

@CryptoXmen 7 ай бұрын

@@urosorlovic11that’s a lie, I have tons of opened account recently and Citi approved me

@PaulHobus 11 ай бұрын

I think the number one issue you’re running into is the recent accounts and inquiries. Citi is very sensitive to those and having more than 0 or 1 of either within the last 6 months is a huge no go for them. I just experienced this myself and am going to wait another month before reapplying so my accounts and inquiries age out a bit

@MarkReese 11 ай бұрын

I think you're right. However, I'd disagree on saying even 1 inquiry or recently opened account in the past 6 months is a "huge no go for them." Of the 7 Citi cards I've gotten over the years, a number of them were obtained with higher numbers than that. I've seen data points on both sides, so I cannot say how often or how strictly they enforce this kind of "rule."

@mrkitty5581 10 ай бұрын

Not true. I had 6 INQ and 6/24 when I was approved for the CitiBusiness card a few weeks ago.

@lunatick555 Күн бұрын

@@mrkitty5581key word. Business. That’s why. Business credit card donot check your personal credit.

@floridaproductions 9 ай бұрын

OK we will try again, thank you for the information.Good luck !

@MarkReese 9 ай бұрын

💯👍

@CreepahKillahRSA 11 ай бұрын

I figured we’d hear about you applying for this card. It’s a shame you weren’t able to get it. I would have enjoyed hearing your opinion on the Admirals Club membership.

@MarkReese 11 ай бұрын

I got it anyway via product change 😁 (MileUp > Executive). I've had the Executive before in past years when I used Admirals Clubs very frequently. I'm a big fan of the AA club network for (a) lack of overcrowding (b) more quiet / business environment (c) relaxing (d) being productive. Historically, they've been awful for food (they're known for cheese cubes and veggie sticks w/ hummus 😂 But now this should be changing as AA is rolling out a new club design w/ elevated food offerings.

@drrob001 11 ай бұрын

I had the AA Executive card but downgraded. Couldn’t justify the annual fee and their lounges aren’t the best

@MarkReese 11 ай бұрын

All depends on how much you use the lounges & how much you enjoy the experience when using them 😁

@kevinManhattan 11 ай бұрын

Sorry this happened Mark. You win a lot. You lose some. Just the name of the game. I have Citi double cash, Custom Cash, Premier and AA Business card. I applied about 6 month to a year apart between those cards. (Because I was busy applying Amex and others) And I put a lot of spend on them, especially the Custom Cash. Never carried a balance but I constantly spend up to the limit each month. (limits are 6k to 20k in those cards) Not only do they send me new card offer letters but they constantly ups my spending limits. So I say put some time in between applications, (Doesn't have to be as long as a year like me but 6 month or so) and put some expenses on their cards. But What Do I know. You have more cards than me! Thanks for the video!

@MarkReese 11 ай бұрын

Congrats on your approvals & thanks for sharing your timing strategy!

@pachabee 5 ай бұрын

Thank you for this advice! I will keep an eye on all of this while applying for their cards, even though I don't have one yet. Goal is to get 3.

@MarkReese 5 ай бұрын

👍👍

@jeromedrew 11 ай бұрын

Mark, do a credit union savings secured loan (the higher the amount the better). Pay it down 90% before it starts reporting. You’ll get that 90% back into your savings account to put back on a credit card (if that’s you funded the loan). Then call and ask to setup auto payment for next 24mos. This should eliminate your loan issue. Plenty of videos here on KZfaq explaining the Navy Fed “pledge loan hack”, but it can done at all credit unions

@MarkReese 11 ай бұрын

Thanks for the tip! However, I'll pass. No interest in opening another debt-based product when it's not a requirement for approval in the first place.

@kaw1980q 11 ай бұрын

i have 7 pulls on my Experian report. i have their double cash and custom card which i use All the time. . i applied for the premier card and was approved for $20k. if I did not use their cards on a regular basis I probably would have been the declined

@MarkReese 11 ай бұрын

Thanks for sharing your data point!

@nubianpwr 11 ай бұрын

Very instructive & informative Mark - thanks for sharing👍🏾

@MarkReese 11 ай бұрын

👍👍

@AM-nm1oe 11 ай бұрын

Same thing happened to me mark. Applied last month for citi premier and got instantly denied. Reconsideration line said I have to wait until mailed letter (no email). Then weird denial reasons in the letter and when I call recon line they instantly denied me with no reason or and not even giving any opportunity to change their mind. /'

@MarkReese 11 ай бұрын

Such a bummer 😐

@SolidLiquidFox 11 ай бұрын

I would normally suggest lowering credit limits prior to applying to improve exposure, but lord knows their algorithms are a mystery and it probably wouldn't matter. Not to mention that, unlike Chase, Citi doesn't allow you to simply reallocate credit lines. I'm already preparing for the Strata cards. I've been gardening for a bit. I see people applying for Bilt cards with no bonuses and I'm like "what???" 😅

@MarkReese 11 ай бұрын

Proof that generalized advice doesn't always apply! Haha I'm one of the people who got the Bilt Mastercard with no bonus 😂 Absolutely love it.

@beavisbutthead2058 11 ай бұрын

Good information! I think 100K AA miles expires tonight and I gotta think about it :D but rumored is that new upcoming citi card will have $750 AF ouch , that’s $200 more than my CSR AF lol

@MarkReese 11 ай бұрын

I've seen Sep. 06 on a couple blogs as the estimated expiration date for the AA Exec. 100K offer 👍 Sources: TPG: thepointsguy.com/credit-cards/airlines/american-airlines/citi-aadvantage-current-offers/ VFTW: viewfromthewing.com/citi-aadvantage-executive-card-100000-mile-bonus-offer-is-here/

@SmoothMoneyMoves 11 ай бұрын

Same thing happened to me when i applied for a personal elevated offer on the Citi platinum aa card. Tempted to apply for the business version but i doubt they will approve me. When i called the reconsideration they were strict and rude. Basically like did you read the letter? The ketter is the reason have a nice day good bye.

@MarkReese 11 ай бұрын

Always frustrating to get a denial 😬 What were the reasons on your letter?

@SmoothMoneyMoves 11 ай бұрын

@@MarkReese same as yours. Except what was odd was that their was a different score used. Something like from 1-9900 and I had a 9025 and was denied. 8 inquiries on Experian and 6 new cards in 12 months. Experian score was not listed on the letter but was 747 in the app. I have yet to be approved by a single Citi card. Tried last year with 2 inquires and no new cards in 48 months and still denied for custom cash.

@MarkReese 11 ай бұрын

@@SmoothMoneyMoves - Sounds like that's their internal scoring system. Frustrating.

@reyy292 11 ай бұрын

Saludos, brother desde Puerto Rico 🇵🇷

@MarkReese 11 ай бұрын

A ti desde los EEUU! 🇺🇸

@stephenbrown2845 11 ай бұрын

Hey Mark, I had gotten approved. Citi said my Experian score was 726 and I had 23 inquires prior to the application. I also have 3 personal and 1 business card with Citibank. Maybe my datapoints would intrigue you lol.

@MarkReese 11 ай бұрын

Congrats! 💯 Thank you for sharing your data point 👊

@TrumpxDaily 11 ай бұрын

23 inquiries? Like hard inquiries within 2 years? Brother.

@stephenbrown2845 11 ай бұрын

@@TrumpxDaily yeah I went hard last year with apps. Most of them will drop off by the end of the year and the middle of next year. Then I should be in good graces with Chase.

@itsagreatday9765 11 ай бұрын

Good video. Btw I love the Citi Premier. Such an underrated card

@MarkReese 11 ай бұрын

Thanks! Glad ya like it! A strong earner card for sure.

@vigi401 11 ай бұрын

Thanks for making this video, great info. I've had 1 citi card open for the last four years. Also I am guilty of minimum spend on it. Few charges every month or 2 to keep it active. Iam curious on the new citi cards mentioned and also watching the Marriott and MGM partnership. See if it's a good time to jump on one of the Marriott cards.

@MarkReese 11 ай бұрын

👍👍

@jerryi8241 5 ай бұрын

Great Video. Is there an easy way to confirm my utilization prior to applying for a CITI card? Also, if denied do they keep the application open for a few months and you can have it reviewed again, or must you reapply with another hard pull?

@MarkReese 5 ай бұрын

I just look at my current reported utilization per card / across all cards via Credit Karma. Not sure if Citi keeps their applications open.

@onecleangti 11 ай бұрын

I was approved for this card, never came after two months, so I canceled it which was like pulling teeth! The lady refused to believe I would cancel it

@MarkReese 11 ай бұрын

Bizarre!

@trave7644 Ай бұрын

How long have to wait to reapply after being denied for too many cards applied this year. I was denied because I had applied for 2 cards this year and 3 last year.

@MarkReese Ай бұрын

I don't have a recommendation for that since I don't know how each bank defines "too many accounts." You could call & ask Citi what their standard is.

@khanscombe619 11 ай бұрын

Great Input. I've been monitoring that. However, I don't have any reported installment loans. & I'm not buying a car. What else can. I purchase that way that reports as such?

@MarkReese 11 ай бұрын

Not worth taking on any debt to get a credit card. It's not a requirement for approval anyway.

@SphygmosProductions 11 ай бұрын

I just got denied for the Altitude Reserve due to high utilization. They pulled Experian so I logged on and saw my score hasn't been updated since July 23rd. Nasty little surprise.

@larryivey8118 11 ай бұрын

US Bank is very goofy in approving applicants especially balances, new accounts and inquiries within the last year and also having a relationship with them helps greatly

@SphygmosProductions 11 ай бұрын

@@larryivey8118 So I've heard. I did open up a savings account with them and will aim a little lower with their Cash+ card.

@MarkReese 11 ай бұрын

Frustrating little surprise indeed haha. Yep...gotta look at the balances that have been reported...not the ones as of today.

@nycste1982 5 ай бұрын

How hard is it to get the custom cash card and would it make more sense to get a different card (lower or higher) up on citi then get the ccc as the second card then after a year + change the first card to a ccc? I don’t think I would ever want more than 2! :) goal would be everyday spending vs my chase ecosystem thx

@MarkReese 5 ай бұрын

I don't have a way of knowing exactly how hard / easy it is to get the CCC. If your goal is to maximize everyday spend with up to 2 cards, then the CCC is a fantastic option 🏆

@DB6904. Ай бұрын

Mark, I have a question. Do you think it'll affect me negatively if I get approved for a credit card before applying for a car loan? And since I've never had a car loan before, do you have an idea how much of a hit I'll take acquiring the loan for a car? I'm sitting around a 750 credit score.

@MarkReese Ай бұрын

Potentially, yes. Getting a car loan will likely be more focused on the credit "range," (example: as long as you're between 700-740, then your APR on a car loan will be the same regardless of what the exact score is). However, a new inquiry will likely drop your score temporarily. If that drop results in falling from a higher range to a lower range, then yes, you could end up paying a higher interest rate on that car. Regardless, I'd personally avoid all credit card applications before things like auto loans, mortgages, personal loans, etc. The credit card game is secondary to financial responsibility & winning the money game overall.

@DB6904. Ай бұрын

@@MarkReese hey mark I apologize for the redundancy, I think I posted this question twice. Although thank you for your response. I really appreciate it! So a lot is going on right now!! Iam considering a credit card for upcoming medical expenses. Unfortunately, it looks like we're going to be needing a vehicle loan as well. Each needs my attention around the same time. Is there a better way than another to go about both? I'm trying to gather a responsible strategy to handle both situations? Thanks again!!!

@MarkReese Ай бұрын

@@DB6904. - I'll reply to the first one on the other video here...👍 kzfaq.info/get/bejne/pcyhZ9J_ppelcX0.html&lc=UgxqbDqbUnelHX7f-6V4AaABAg.A69fSqM7Jg7A6CH46zx36v

@drewbny78 11 ай бұрын

i got denied for citi simplicity with good credit etc

@MarkReese 11 ай бұрын

Frustrating 😕

@DB6904. 10 ай бұрын

Hi, Mark. What did you do with the hard inquiries, and how did they effect your credit score, and credit worthiness?

@MarkReese 10 ай бұрын

1. I left the hard inquiries on my report. I do not encourage people to report them to the bureaus as 'false' simply because they got denied. 2. Didn't affect my score. Didn't affect my credit worthiness. In many cases, I don't really care about inquiries. Did you watch 12:58 in the video?

@ihechiturukanu1496 10 ай бұрын

Citi plays by their own rules i was basically denied for every card ive applied for and citi gave me a 5 digit credit limit

@MarkReese 10 ай бұрын

😆

@davew4247 8 ай бұрын

Why would they give you more cards when you already have 7 of their cards...

@MarkReese 8 ай бұрын

Many issuers don't put a limit on the # of cards you can have. Rather, they may cap the total amount of credit extended.

@davew4247 8 ай бұрын

@@MarkReese Oh ok...thanks for the explanation...we don't have as many options up here in Canada when it comes to credit cards...unfortunately!

@divinesovereign8080 11 ай бұрын

It’s against the law for them to deny you your own credit…

@MarkReese 11 ай бұрын

😬

@1jicks 11 ай бұрын

Citi is really sensitive right now I have been experiencing similar issues which I never have before.

@MarkReese 11 ай бұрын

I haven't had an issue with inquiries or recently opened accounts in the past either.

@1jicks 11 ай бұрын

@@MrBankRelations yeah with the rumors of the 2 new cards coming out. I think it’s going to be difficult approvals

@ayamaikarim 11 ай бұрын

How old was your newest card when you applied.

@MarkReese 11 ай бұрын

1 month.

@ayamaikarim 11 ай бұрын

I do have same issue as you do, many open accounts & inquiries, my newest card is 5 months old, doing my best not to apply for any card till May, have no Chase cards & far way over 5/24.

@frederickjonesel1942 11 ай бұрын

Does Citi approve anybody????? The denied me in October of 2022 for the Citi Premier after pulling from my Experian Credit Report....Which my "Experian Report" is pretty good & my Experian Credit Score than was a "720"

@MarkReese 11 ай бұрын

Did you find out the reason(s) for the denial?

@CryptoXmen 7 ай бұрын

Do you bank with Citi?

@Northernmike100 21 күн бұрын

I actually got denied twice for a secured card with Citi. And my credit is good! 😮😂

@Castle99 3 ай бұрын

Per your video from 18 AUG 2022 "Citi AAdvantage Executive World Elite Mastercard (Full Review 2022)", didn't you have this card in the past ???

@MarkReese 3 ай бұрын

I've had this card multiple times over the years.

@Castle99 3 ай бұрын

@@MarkReese That makes sense. Wonder how much this factored into them denying you on this occasion. Cheers.

@theTSAguy 11 ай бұрын

Basically you got denied because Citi knows you’re not a profitable customer.

@MarkReese 11 ай бұрын

😂👍

@sj1547 5 ай бұрын

Capital One fucked me like this

@MarkReese 5 ай бұрын

☹

@danielcrotty8697 11 ай бұрын

Shitty Bank is very petty about too many inquiries. If you have more than 6 inquiries in 6 months, you will be denied no matter what your score and credit looks like.

@MarkReese 11 ай бұрын

I've seen arguments on both sides, not sure what to believe. In my experience with 7 of their cards, Citi hasn't been that sensitive to inquiries. For others, the opposite seems true. That said, I plan to have a fairly clean 6 months prior to trying again with Citi 😁👍

@danielcrotty8697 11 ай бұрын

@@MarkReese sounds like a plan! I was just denied for the regular AA Platinum for inquiries so I’m gonna probably wait a year and try again. I want that bonus! Haha

@CryptoXmen 7 ай бұрын

@@danielcrotty8697it’s not the inquiries, I got 15 and was approved. I recommend banking with Citi and buying flights with AA. Show them you mean business and they’ll add you to the team

@danniesingletary4630 11 ай бұрын

Jeffrey Reese, plain and simple. Too many inquiries!!! That's it!!!

@MarkReese 11 ай бұрын

😬

@user-cs6bt6rq4i 11 ай бұрын

Y’all heard about the god tri fecta built/curve card?

@MarkReese 11 ай бұрын

Yep.

@butterfly-pf8lj 11 ай бұрын

Mark whatnis considered a large balance how much the amount

@MarkReese 11 ай бұрын

That's relative to your credit limit, and I don't know what Citi would consider to be 'large.' I'd personally want all reported balances at 24% or less.

@lynettecolvin8085 11 ай бұрын

Does a mortgage count as an installment loan?

@MarkReese 11 ай бұрын

Yes.

@Creditkae 11 ай бұрын

I got the business card aa card

@MarkReese 11 ай бұрын

Congrats! ✈️

@TheRich330 11 ай бұрын

Welcome to the garden. 😬

@MarkReese 11 ай бұрын

Thank you 😬

@shaziaijaz5863 11 ай бұрын

What is the benefit of getting this card with so high AF?

@MarkReese 11 ай бұрын

There are many. The ones I care about are: - Admirals Club membership - Priority check-in, security, & boarding - Earning 4X miles on AA purchases

@rambosidi7634 11 ай бұрын

Yep

@MarkReese 11 ай бұрын

😬

@ovx23 11 ай бұрын

Woah even you have a low low credit limit on a card? 😱😱😱 i couldn't imagine you would since you talk alot about credit cards

@MarkReese 11 ай бұрын

Yep! I've got a number of low-limit cards.

@ovx23 11 ай бұрын

@@MrBankRelations I know I'm just surprised that he has that since he has lots of credit cards and I would imagine that he start off with more than 5k on all his cards

@marke8743 9 ай бұрын

Boycott Citi Bank. NO Digital Currency.

@MarkReese 9 ай бұрын

What are you talking about? www.citigroup.com/global/news/press-release/2023/citi-develops-new-digital-asset-capabilities-for-institutional-clients

@marke8743 9 ай бұрын

kzfaq.info/get/bejne/aNiDdJCrps_FgGg.html

@paulstein916 11 ай бұрын

I would have approved you.

@MarkReese 11 ай бұрын

Thank you 😄

@MasonsTurtle 11 ай бұрын

Can’t trust Reddit

@CreditOneSux 11 ай бұрын

Especially when the post is over 2 years old, but hey! I applaud Mark for giving us this data point video! Can't have too many DP's

@MarkReese 11 ай бұрын

But I can experiment w/ reddit 😎👊

@berryzedzero 11 ай бұрын

Mark, I’m worried about you. Maybe you should step back and leave the game for a bit like Ben and myself did.

@TheyMostlyComeAtNight 11 ай бұрын

Ben is not out of the credit card game. He just posted another CC video earlier today. I defy you to post any proof Ben is done with credit cards. Too bad you can't. Keep living in your delusional fantasy world.

@berryzedzero 11 ай бұрын

@@TheyMostlyComeAtNight that’s crazy

@TheyMostlyComeAtNight 11 ай бұрын

@@berryzedzero What, you can't back your statement up with any proof? That sure is surprising!🙄

@berryzedzero 11 ай бұрын

@@TheyMostlyComeAtNight damn thats crazy

@MarkReese 11 ай бұрын

I may have to do exactly that if I want the Citi Strata Elite 😬 Need to see what the card is like though.

@saangtoaikaa9211 11 ай бұрын

It's a terrible card

@MarkReese 11 ай бұрын

It's got good & bad. I'm not a fan of the overall product, but I am a big enough fan of a few select benefits for me to still get it via product change.

@CryptoXmen 7 ай бұрын

I think it’s an incredible card but to each its own