"Second Chance"
Citi® Platinum Select® / AAdvantage® World MasterCard® Review
Written by: willie on 2007-01-04
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
willie's review: 
I was approved for this card with a 644 FICO $2000 limit. I filed for bk chapter 7 about 6 1/2 years ago. This is my first major credit card. my bk did not hurt me when I applied for this card got card in two weeks. I have other cards like wal-mart, target, best buy and they are all good for re-building credit just make your payments on time. So for anyone who has bad credit there is hope. Just make those payments on time.
I was approved for this card with a 644 FICO $2000 limit. I filed for bk chapter 7 about 6 1/2 years ago. This is my first major credit card. my bk did not hurt me when I applied for this card got card in two weeks. I have other cards like wal-mart, target, best buy and they are all good for re-building credit just make your payments on time. So for anyone who has bad credit there is hope. Just make those payments on time.
3 Comments
Comment 1 by tony
Any Suggestions? 
on 2007-06-21
Hey guys I have a FICO of 660 any recommendations on what credit cards I should apply for? I tried the FICO score matcher but I think its too lenient. I don't want to apply for many cards because I don't want the inquiries. I would like the Citi AAdvantage card but don't know if I will qualify. If you can give me any suggestion just reply bay sayine re: TONY.
Thanks guys
on 2007-06-21 Hey guys I have a FICO of 660 any recommendations on what credit cards I should apply for? I tried the FICO score matcher but I think its too lenient. I don't want to apply for many cards because I don't want the inquiries. I would like the Citi AAdvantage card but don't know if I will qualify. If you can give me any suggestion just reply bay sayine re: TONY.Thanks guys
Comment 2 by willie
Great Card on 2007-06-22
Tony, I have this card it is great. My FICO was around 650 and I was approved for $2000 credit limit. You should try this one.
on 2007-06-22 Tony, I have this card it is great. My FICO was around 650 and I was approved for $2000 credit limit. You should try this one.Comment 3 by brian
Re: Tony Any Suggestions on 2007-06-22
Hey Tony, I have some tips that I've used and they have been really successful. I started out with a 420 after a hard time paying the 4 Credit Cards I had in college about 2 years ago. With a 650, you are way ahead of the curve I was under. Right now, I am pushing 700 but my first post-college card was TOTAL from Plains Commerce Bank. You don't need to start from scratch, but my best card is Bank of America Worldpoints @ a fixed 7.9 APR right now. Your score gives you some real good flexibility and provided if you have good income(tip: use the wife's additional coin if you have one), few accounts, and especially low utilization on what you have, you have the pick of the litter probably excluding AMEX. You don't want them anyways, trust me. First decide if you want rewards or not, then go onto banks that have the rewards you are looking for or the particular store brand card(ex. Best Buy is HSBC Bank so go to bestbuy.com). Next, look at annual fees. This Citi card has an annual fee so put it on the lower half of your list. Next look at the APR on the cards you applying for and realistically choose the best. Realistically means with a 650 you won't get the best rate so look at the higher end of the variable APR offered by the card. When you have over 700 things get much easier. For me, I crossed out some banks because of terms and conditions. Amex and Chase have policies that let them raise your APR at any time like most banks but they actually will do it. Amex will even give you a financial review in some cases. Think of a tax audit for your Credit Cards. Why bother with that? Anyways, my suggestion is to go to Bank of America first. They have airline cards, most airline cards do have annual fees but other rewards from BoA do not but have redeemable points for air. BoA will run your application and if you are initially denied they will offer a back up card. Take it, they upgrade and increase lines generously with good use. I would put in one or two more applications depending on if you get your preferred card or not with different banks. Citibank is the second best option for strictly airline rewards card and HSBC will also be a good choice to apply for also, with the Cash or Fly card. Make sure you run your applications pretty close to one another. Get you list of the three cards beforehand and then apply concurrently(online applications) so you improve your chances. Hope this helps, good luck!
on 2007-06-22 Hey Tony, I have some tips that I've used and they have been really successful. I started out with a 420 after a hard time paying the 4 Credit Cards I had in college about 2 years ago. With a 650, you are way ahead of the curve I was under. Right now, I am pushing 700 but my first post-college card was TOTAL from Plains Commerce Bank. You don't need to start from scratch, but my best card is Bank of America Worldpoints @ a fixed 7.9 APR right now. Your score gives you some real good flexibility and provided if you have good income(tip: use the wife's additional coin if you have one), few accounts, and especially low utilization on what you have, you have the pick of the litter probably excluding AMEX. You don't want them anyways, trust me. First decide if you want rewards or not, then go onto banks that have the rewards you are looking for or the particular store brand card(ex. Best Buy is HSBC Bank so go to bestbuy.com). Next, look at annual fees. This Citi card has an annual fee so put it on the lower half of your list. Next look at the APR on the cards you applying for and realistically choose the best. Realistically means with a 650 you won't get the best rate so look at the higher end of the variable APR offered by the card. When you have over 700 things get much easier. For me, I crossed out some banks because of terms and conditions. Amex and Chase have policies that let them raise your APR at any time like most banks but they actually will do it. Amex will even give you a financial review in some cases. Think of a tax audit for your Credit Cards. Why bother with that? Anyways, my suggestion is to go to Bank of America first. They have airline cards, most airline cards do have annual fees but other rewards from BoA do not but have redeemable points for air. BoA will run your application and if you are initially denied they will offer a back up card. Take it, they upgrade and increase lines generously with good use. I would put in one or two more applications depending on if you get your preferred card or not with different banks. Citibank is the second best option for strictly airline rewards card and HSBC will also be a good choice to apply for also, with the Cash or Fly card. Make sure you run your applications pretty close to one another. Get you list of the three cards beforehand and then apply concurrently(online applications) so you improve your chances. Hope this helps, good luck!
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Disclaimer: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citibank. Review content is powered by Finance Globe.
