[6/15/2019 업뎃 레딧발] PSA: Don't Call the Bank! 은행에 전화하지 마세요!

Pretty big datapoint: Had my on Personal Citi AA MAC denial (Multiple Applications for Credit) reconsidered and was approved after the fact. Full credit to /u/joghi who pushed me to get a reconsider. Here's a write up for any future MAC denials you get. Freel free to reshare this:

Business Cards

1/2/2019 Citi AA Biz

4/23/2019 Citi AA Biz (+90 Days)

Personal Cards

2/9/2019 Citi AA Personal

3/29/2019 Citi AA Personal (+48 Days)

4/15/2019 Citi AA Personal (+17 Days)

6/2/2019 Citi AA Personal (+48 Days) MAC DENIAL

My 6/2 application was 65 days after my 3/29 application. There had been no personal or business applications within the past 8 days. My credit was NOT pulled on 6/2 and I received a MAC Denial.

I called three separate times:

My script was very to the point: "My application was denied due to multiple applications for credit. I've spoken with the Executive Office before and I know the rules around how long I must wait before a new application. This application was automatically denied by the system. I've spoken with this team before and I've been able to get my application pushed through manually and I was hoping you'd be kind enough to help me."

1. 1-800-695-5171, late night and agent from overseas said they would put my on hold to contact their advisory team. Team said it wasn't possible. Be nice and don't push, you're not going to convince them - this is where emotional intelligence is key. HUCA another day.

2. 1-605-331-1698, mid day and agent said it was not possible to reconsider the application. Be nice and don't push, you're not going to convince them - this is where emotional intelligence is key. HUCA another day.

3. 1-800-695-5171, for the second time. Mid day. Gentleman listened to my script and said ok, just know that you can't receive the same bonus from American Airlines twice in 24 months. [걔들한테 다 보여요....ㅠㅠㅠㅠ]

4. I said I understand, I am actually apart of a forum that tries to improve their credit scores and that we like to open several of the same card to do so, and that I've been able to improve my credit score considerably.

5. He said let me pull out my calculator and began calculating my last applications. I let him know that the executive office told me the rules which were two applications every 65 days. He said that's right. Then told me the reason I was denied was due to my business card application on 4/23/2019. [걔들한데 다 보여요....]

6. I let him know that the executive office told me specifically that business cards do not count towards the calculation and those are on their own 1/90 clock. He asked for a moment to confirm with his supervisor.

7. He came back and told me that I was correct and that his system had not been updated yet with that information. He said he was pushing through the application. Moments later I was approved for my next AA card.

8. I thanked him for taking the time to understand my perspective. I asked if I could leave feedback or take a survey. He transfered me to his manager and I left a glowing comment. In the end, everyone won.

Thanks again to Joghi. I've gone through MAC denials before and thought I just had to wait it out. This proves that you can get a MAC reconsidered and that the business + personal clocks are detached. Biggest lesson is be kind and reasonable on the call with these customer service agents, don't burn bridges for the rest of the community.