You Can Call for Your Creditcard Application Citi Second Review

While Citi's credit card awarding rules aren't as complicated or restrictive as some issuers, they tin still exist confusing. It's important to know these rules or else you risk being denied for a new card or forfeiting a sign-upwards bonus. In this post nosotros'll cover the nuts for applying and some strategies for insuring that you become the bonus.

Nigh of Citi's rules are directed at individuals who have or are applying for multiple Citi cards. The bank is a major card issuer, so you lot may come across this situation more often than you'd think. For example, yous tin can't go both a Citi / AAdvantage Platinum Select card and a Citi Premier℠ Carte in the same calendar week because of Citi'south 8-mean solar day rule.

These are some of the more pop travel rewards cards Citi offers:

Citi Credit Cards	Almanac Fee	Sign-Up Bonus
ThankYou Preferred (no longer bachelor)	None	None
Citi Premier℠ Card	$95	None
Citi Prestige® Card (no longer bachelor)	$495	50,000 ThankYou points
Citi® / AAdvantage® Platinum Select® Globe Elite Matercard	$99 (waived for the outset 12 months)	l,000 AAdvantage miles
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®	$99, waived for start 12 months	65,000 AAdvantage miles
Citi® / AAdvantage® Executive World Elite Mastercard®	$450	l,000 AAdvantage miles
Citi Hilton HHonors Reserve (no longer bachelor)	$95	2 free nights
Citi Hilton HHonors Visa Signature (no longer available)	None	75,000 HHonors points

How Many Cards Can You Accept?

Unlike American Limited, Citi does not limit the number of cards yous can have. Information technology does, though, place an overall credit limit beyond all of your Citi cards. That limit varies by client and is based on your creditworthiness.

If a new card puts you over that credit limit, your application will typically become pending. Under these circumstances, telephone call the Citi Reconsideration line at 1-800-695-5171 and ask the agent to move credit from an existing card to your new card.

The 8/65/95 Rule

While Citi doesn't limit how many cards you tin can have, it does limit how oftentimes yous can become a new menu. The so-chosen 8/65/95 dominion is shorthand for those restrictions and refers the number of days you have to wait before applying.

Officially, Citi says that you can get only one carte a week and no more than 2 cards every two months. In reality, Citi has been known to deny customers who utilize too before long. To be condom, you should wait at least 8 and 65 days to avoid being denied.

There's an additional brake for business organisation cards : Yous tin simply get i business card in a 95-day menstruum. Here once more, the rule is officially 90 days, but it'due south best to wait 95.

Information technology's important to note that business organization cards also apply to the 8/65 portion of the dominion. Under no circumstances can you get two cards in 8 days or three cards in 65 days, even if one of them is a business card.

In other words, don't apply for a new Citi card if whatsoever of these statements are truthful:

ane. Y'all've been approved for whatever Citi bill of fare in the last eight days.
ii. Yous've been approved for any two Citi cards in the terminal 65 days.
3. You're considering a Citi business menu and you've been approved for a Citi business concern card in the last 95 days.

Dissimilar Chase, which has a similar five/24 dominion (only five new accounts in the last 24 months), Citi's limits on new cards only utilise to other Citi cards. Chase includes all new credit accounts when considering an application.

Getting the Sign-Up Bonus

Compared to its competition, Citi is generous with its sign-up bonuses . There are no restrictions on how many sign-upward bonuses you tin can get for unlike cards.

Notwithstanding, yous can't simply downgrade a bill of fare after earning the sign-upwardly bonus and hope to get a second card. Not merely do you lot have to look 24 months earlier reapplying for the same carte, but Citi prevents customers from downgrading a card until they've had it for at to the lowest degree a yr.

Call Earlier You Apply

Credit carte du jour rules can be disruptive, and they tin can alter without notice. On top of that, issuers volition sometimes have different rules for different cards in their lineup. If you're thinking about getting more than one Citi card, it's worth the time to call client service to be sure that y'all won't come across any bug. Don't take chances being denied or missing out on a sign-upwards bonus .

Editorial Disclosure: Opinions expressed here are writer'due south alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned past the banking company advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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Source: https://www.rewardexpert.com/blog/citi-credit-card-application-rules/

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