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P.O. Box 7032 Sioux Falls, SD 57117-7032: American Airlines Credit Plan

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In Response To Your Credit Limit Increase Request

Account Ending In: 5921

American Airlines Credit www.aa.accountonline.com
Plan
P.O. Box 7032
Sioux Falls, SD 57117-7032

ESTHER LOERA
205 COBBLESTONE DR
WYLIE, TX 75098-7405

April 8, 2024
592101

Dear ESTHER LOERA,

Why we're writing you

Thank you for your recent request for a credit limit increase on your American Airlines Credit Plan account. Unfortunately, after
careful consideration, we are unable to approve your request at this time.

How we made our decision

Our decision was based on a credit scoring system that assigned a numerical value to various items on your credit report. The
information did not score a sufficient number of points for approval. We have declined your request due to the following
reason(s):

• Length of time credit history has been established

• Proportion of balance to credit limit too high on your account with us
• Payment pattern on your account with us
• Number of accounts with delinquency
Our credit decision was based, in whole or in part, on information obtained in a report from the following consumer reporting
agency:

Equifax Credit Information Service

P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111
www.equifax.com

Please note, other than providing information, the reporting agency played no part in our decision and is unable to supply the
specific reasons why we have denied you credit.

Free copy of your credit report

You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer
reporting agency. We encourage you to review your credit report for accuracy.

You also have a right to a free copy of your credit report from the consumer reporting agency, if you request it no later than 60
days after you receive this notice. In addition, if you find that any information contained in your report is inaccurate or
incomplete, you have a right to dispute the matter with the consumer reporting agency listed above.

How to contact us
If you have any questions about this letter, our Representatives are available to assist you. Please contact us at the phone
number below or at the address above. When writing to us, please be sure to provide your name, address and account number.

Continued on reverse side

CR/4331/919907570004/YNY/A/4919900001371794/20240408/N/N
We apologize for any inconvenience this may have caused and look forward to the opportunity to serve you in the future.

Sincerely,

Manager, Credit Review

Phone: 1-605-334-3193
For TTY: We accept 711 or other Relay Service
Monday through Friday, 7:00 a.m. - 12:00 a.m., ET

NOTICE: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of
race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding
contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in
good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this
law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

The creditor is Citibank, N.A., 5800 South Corporate Place, Sioux Falls, SD 57108. Please direct any questions to the return address
on this letter.
592101