The Citi® / AAdvantage® Globe™ Mastercard® can be a great card for travelers. It offers benefits like earning 6 AAdvantage® miles for every $1 spent on eligible AAdvantage® hotel bookings and receiving 4 Admirals Club® GlobeTM passes every calendar year.
If you’re considering taking advantage of some of these rewards, you may want to see if you pre-qualify for this card. Pre-qualification may be a great way to see if you meet initial eligibility criteria without a hard credit check. Let’s take a closer look at how pre-qualification works.
How does pre-qualification work for the Citi® / AAdvantage® Globe™ Mastercard®?
Pre-qualification allows you to see if you meet certain criteria required for the Citi® / AAdvantage® Globe™ Mastercard® without undergoing a hard credit check. This may be a useful feature if you’re unsure if you would qualify and want to delay any minor decrease to your credit score until you are sure about your standing.
Options for pre-qualifying for the Citi® / AAdvantage® Globe™ Mastercard®
There are a few ways to pre-qualify for the Citi® / AAdvantage® Globe™ Mastercard®. These include:
- Using Citi’s online screening tool: Fill out the prompts to see if you pre-qualify.
- Checking for offers in your Citi account: Citi may notify you online or in your app if you pre-qualify.
- Checking your local Citi branch: You may visit a branch and inquire to see if you pre-qualify.
- Receiving a letter or email from Citi: Citi may send you an email or a letter letting you know that you’re a pre-qualified candidate for the Citi® / AAdvantage® Globe™ Mastercard®.
Tips for improving your credit score
If you’re not able to pre-qualify for the Citi® / AAdvantage® Globe™ Mastercard®, you may want to consider improving your credit score. Some steps that may positively impact your score over time include:
- Try being added as an authorized user: Asking a reliable friend or loved one to add you as an authorized user to their credit card account may help improve your score if they have strong credit. However, if they fail to make timely payments, they may also negatively impact your score.
- Maintain a low credit utilization ratio: Keeping your credit utilization, or the percentage of available credit you use, below 30% may help increase your credit score. Instead of paying the minimum, consider paying off your credit card bill in full each month to help lower your utilization.
- Review your credit report regularly: You can check your credit history to see where you can improve your credit card habits and report errors if you see them.
- Make all credit card and loan payments on time: Making timely payments is a significant factor in improving your credit score.
- Consider leaving a gap between credit card applications: Applying for a credit card generally requires a hard credit check, which may temporarily hurt your score a bit. Applying for many cards in a short period of time may raise a red flag for some lenders. Leaving a gap between credit card applications may avoid the impact of multiple hard inquiries.
Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.
