I’ve been getting enough emails indicating that nothing seems set in stone regarding the first time cardholder restriction for the Citi AA 75K and 100K offers. Some people are telling me they have had the cards previously and are being approved again. I have not heard yet of anyone that has had the exact cards in the past, have their miles actually post, but I’m willing to take the plunge for a 75K promo. Katy did the Citibiz card and it appears they are going to approve her again, as they are now asking for additional information on our address.
I just checked my scores again and it seems that I’m still a good credit risk with scores of 857 and 6 inquiries on Transunion, 865 and 16 inquiries on Experian and 844 and 8 inquiries on Equifax. Citicard should pull Equifax with my South Carolina address. Remember my scores are VantageScores. They need to be converted to FICO scores for you to be familiar with my recommendation only apply for credit cards if your scores are over 700 on the FICO scale. I look for 800 on the VantageScore scale.
Compare the two scores to find where you stand. If you take a FICO score and multiply it by 1.165 you’ll have an approximate Vantage Score. If you have a VantageScore, then if my math is right, divide by 1.165 to find your FICO score. My Equifax 844 divided by 1.165= 724. That works for me as an acceptable good score.
Here is a comparison between the way the two credit scoring systems look at your credit, to determine your credit score.
Payment history 32%
Depth of credit 13%
Recent credit 10%
Available credit 07%
Payment history 35%
Length of credit history 15%
Amounts owed 30%
Types of credit uses 10%
New credit 10%
I’ll keep you advised on my success with the CitiAA Business card. I think I’ll try the Visa version.
A Bumpertunity Later Today
The Chicago to Traverse City afternoon flight is all zeros according to the seat map. You can’t buy a ticket and I’m #1 on the volunteer list. The ticket agent at LGA did not know how to put me on the volunteer list and told me he was too busy. I stood my ground and asked him to have someone help him. Let’s see if it pays??
The Perfect Labor Day Gift?
A copy of the Frugal Travel Guy Handbook for your friends that just “don’t get it”.
Chase Sapphire Preferred® Card
- Annual Fee: $95 fee waived for the first year
- Foreign Fees: No
- Card Type: Bank
The Sapphire Preferred offers 2x points on dining and travel, and no foreign transaction fees, making this the go-to card for travelers.
This card accumulates Ultimate Rewards points, which are very valuable for transfer to United and Hyatt. Overall, this card is a great choice for maximizing earnings on dining, travel, and every day spend.
- Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
- 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- No foreign transaction fees, plus Chip and Signature enabled for international travel.
- 1:1 point transfer to leading frequent travel programs at full value — that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
- 24/7 direct access to dedicated customer service specialists
- Introductory Annual Fee of $0 the first year, then $95