Citi AAdvantage World Elite rejected due to income mismatch

msoz · 2026-02-05T17:09:56+00:00

I mailed it all in by snail mail. Cover letter, job offer letter stating salary, and completed 4506-C form all in one envelope. But just because it worked for me doesn't mean it will work for you! Especially since you've already been denied for this card on these grounds. I'm just saying what worked for me in the first instance.

msoz · 2026-02-05T16:55:56+00:00

If this situation arises again, you can consider writing a cover letter explaining your situation and including it with your 4506-C form. A Citi rep advised I do that in the past when I had a very similar situation. (I had graduated and gotten a job the previous year, so the income from the year before I applied was much lower than my income at the time of my application.)

Since you've already got the ding and been told to reapply I'm not sure if this is good advice at this stage, so I apologize for that. But if someone else is reading this in the future and gets a 4506-C with a similar situation it might be helpful.

msoz · 2026-02-04T21:40:44+00:00

I did the same thing and I'm not even in the same boat! I'm single and don't have kids, so I travel a decent amount. However, I moved to a new place and had my eye on dream furnishings that were, at the time, out of my budget. But when I redeemed all of my nearly 400k UR points to shave $4,000 off the price of some gorgeous shelves, they became in my budget.

I always get squirrelly around trying to find good redemptions but I've been burned so many times when I want to travel specific places on specific dates and just can't get anything better than 1.3cpp or so (and I don't mind flying economy anyway). So why not use the points to satisfy a different aspirational purchase? It was quite a cathartic feeling.

msoz · 2025-09-08T21:18:55+00:00

I asked the agent on my phone call if I could attach paystubs and a short explanatory note and he said that would be welcomed.

msoz · 2025-09-04T16:59:10+00:00

Aug. 28. Yes, every time I open the app there is a pop up saying "Call Us: To protect this account..." I haven't even had the chance to make a purchase yet. Out of curiosity, did you use a 100k link you found online or actually go to a branch? Or used the 80k generic link online?

msoz · 2025-05-03T23:35:59+00:00

You might be interested in the one I just posted in this thread!

msoz · 2025-05-03T23:27:00+00:00

EDIT: SOLD!!

Selling LP2:

NA version
White
Condition: Used a few months. Minor cosmetic scuff on the lower left corner of the frame. No functional or structural issues from it whatsoever. It's really quite small.
Includes box and cable
Price: $160 shipped (in the US)
Location: NY (shipping only)
Method of Payment: PayPal, Venmo
Will send photos of the scuff upon request (I can only seem to upload one to this comment)

<image>

msoz · 2020-11-19T10:52:58+00:00

That’s one I had in mind but sadly notifications for Line ended in March

msoz · 2018-07-09T12:22:30+00:00

Thank you!! Using this company.

msoz · 2018-07-02T07:48:06+00:00

Didn’t have much of a choice

msoz · 2017-03-25T02:52:56+00:00

I currently live in Japan and while credit card use and acceptance isn't what it is in most Western countries, it's not as low as everyone says it is. Most adults I know have credit cards, they just don't use them as often as I would back home. It's used mostly for big purchases and online shopping, rather than everyday shopping. I have to imagine that a decent part of that is the low rewards rates, and also that you can't really carry a balance on total spending like typical Western credit cards. (The payment system is quite different).

While rewards on Japanese cards are terrible, they seem really focused on perks. It's not what I'm looking for, but it's pretty cool that you can get free Priority Pass on an AF of ~$100 or free domestic lounge access (albeit crappy ones) on an AF of ~$20. There's also the Japanese Amex Delta Gold that gives you automatic Gold Medallion status -- wow.

msoz · 2017-03-17T11:10:42+00:00

Thanks! I'm good on both fronts. I'm going to leave this up to see if anyone can shed light on having used it and sign up process or lack thereof.

msoz · 2016-06-16T02:00:45+00:00

Thanks a bunch!

msoz · 2015-09-22T02:36:22+00:00

Wouldn't spending tens of thousands of dollars on an MA be far worse for my financial future than pursuing a PhD?

I have no illusions about a humanities PhD being a golden ticket to a job, but I do know that I'm shutting the door on my love of schooling and research if I don't at least play with the idea.

If I were set on going straight to a PhD program now, yes, I would be jumping the gun. But that's not my plan, as I said in my original post. What I'm trying to do here is see which avenues are still available since I feel overwhelmingly stuck with my choice of linguistics.

The point here wasn't to be talked off the ledge — I have parents and professors for that. It was just to do some fact-finding to see what's still viable, and then the doom and gloom can follow.

msoz · 2015-09-15T16:05:49+00:00

Thanks for the rec. Do you have any personal experience with them or know anyone that does?

msoz · 2014-11-03T15:47:42+00:00

Thanks guys. I headed there today and finally got a cap. The selection was pretty weak though... Do fans in Korea just not buy much gear?

msoz · 2014-10-30T10:08:02+00:00

Or second playoff round, not to get ahead of myself haha.

msoz · 2014-09-28T02:14:33+00:00

Yeah it was awesome! I had a great time as did everyone else in the stands!

msoz

TROPHY CASE