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Old Nov 4, 14, 12:51 pm   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
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Last edit by: sdsearch
As of Sunday August 25, 2013:
Reports indicate personal cards can no longer be rapidly churned.

Click HERE to review the previous thread on this topic.

Recommended Application Procedure:
Clear cache and cookies prior to applying or use an incognito or private browsing session to apply. Opening multiple different apps in different windows or tabs or failing to clear cookies/cache has resulted in people receiving a lesser offer.

For information on the Executive version of this card, with $450 annual fee, not waived, see: Up to 100k miles Citi Executive AAdvantage offers

MOST CURRENT 50K LINKS:

Citi Personal and Business:50K miles & two Admirals Club one-day passes after $3000 spend in 3 months, $95 fee waived first year.

Citi AA Platinum Personal Mastercard, 50,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here. This is a CHIP and Signature card.

Landing page for 50K Business and Personal MC requires $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to this application page.

OTHER PERSONAL CARDS

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year.

Citi Gold Mastercard. 25,000 miles after $750 spend in 3 months. $50 annual fee, waived first year. Landing page available here

If you are already a Citigold customer, read this post from the Miles Professor about another 50K offer from your branch office for the American Airlines credit card.

OTHER BUSINESS CARDS

Citi Business MasterCard. 40,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 35,000 miles after $1.5k spend in 3 months.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.


Quote:
Citibank Contacts/Resources (Please add the others that you know)
  • Application status: https://www.accountonline.com/cards/...?screenID=3187
  • (800) 695-5171 Personal Application Status and Reconsideration Line with live rep
  • (800) 763-9795 General Personal Application Inquiries with live rep
  • (800) 645-7240 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (800) 288-4653 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (866) 606-2787 General Application and Account Questions with live rep
  • (888) 201-4523 Application status
  • (866) 606-2961 Reconsideration Line.
  • Twitter : @AskCiti. Very powerful tool.
  • Executive Office - useful for getting a more empowered agent for reconsideration purposes: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117

FAQ
  1. Are these AA cards churnable?
  2. What are the most current time-restriction rules in applying for all Citi cards?
  3. Do I need to close existing cards before applying?
  4. When should I close existing Citi accounts?
  5. Can I apply for a business card if I dont have a business?
  6. Can I buy Visa gift cards to meet my minimum spend?
  7. Do I get 10% back when redeeming miles for awards?
  8. Do I have to use my own AAdvantage number on applications?
  9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
  10. When will my bonus miles post?
  11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
  12. Can I cancel a card using secure messaging?
  13. I activated the card online and got a message about this card replacing an old card. What does that mean?
  14. Which credit bureau does Citi pull and can I force them to use a different one?

1. Are these AA cards churnable?
Yes and No. The general rules are:
  • Personal AA cards: As of August 25, 2013 all linked personal AA cards in this thread can be churned only after Citi decides that you are no longer an existing cardmember. This usually occurs between 12 and 26 months after your last successful AA personal card approval of any type including AA Executive card(s). If you want both a Platinum card and an Executive AA card and are eligible under the 12-26 month rule, get the Platinum card first or the Executive card will restart the clock. Although it is not a hard-and-fast rule, 18 months after previous approval is the most common. YMMV. You do not need to cancel old personal cards.
    • Note: You cannot circumvent this rule by applying for a card type different from your previous Citi AA card. If your last personal AA card was a Visa, the waiting period for your next personal AA card will be the same regardless of whether you apply for a Visa, MC, or Amex.

  • Business AA cards: have been churnable repeatedly by some people without restriction other than the general Citi application rules. Apply once every 91-95 days. For unknown reasons, some other people have been unable to churn business cards at all. Also, some (but not all) people need to completely cancel their previous business card (ie, cancel both the card account and the associated master account) before they can apply for another business card.

    Note: If you encounter difficulty in obtaining a Citi AA business card after holding one before, it may because of the unusual way Citi sets up business accounts. The business account per se has its own master number; like a standard MC/Visa, this master account number is 16 digits. In addition, each card on the account has its own 16-digit card number. Each of these numbers, including the number for the primary cardholder, is different from the master account number.

    Sometimes, when you call to close your card account, all the card numbers are canceled but the master account remains open. When this happens, subsequent applications for a business card may encounter difficulty. Online, there should be a dropdown of accounts under your business login; the number that match your card number is your card account, the number that does not match your card number is your master account. When cancelling, ask to cancel both accounts, giving the last 4 digts of each (as shown in that dropdown).


2. What are the most current time-restriction rules in applying for all Citi cards?
  • Only 1 Citi application of any kind per week (8 days to be safe).
  • No more than 2 Citi applications of any kind in 60 days (65 days to be safe).
  • No more than 1 Citi business application in 90 days (95 to be safe). This does not override the rules above.

While the day limits are a little flexible by a few days either way and YMMV, the rules themselves are not flexible. Note: In applying the rules above, count all Citi applications, including denials and/or applications for non-AA cards.

Mixed type Example:
Day 1 60K HHonors Visa
Day 9 or later 50K Personal Platinum Visa
Day 66 or later 50K Business #1
Day 74 or later 60K Executive
Day 161 or later 50K Business #2
18 Months, 74 days or later 50K Personal Platinum Visa

Not sure what day you applied? The date is written year, month, day in the application number: 201402280000 means you applied on Feb 28, 2014


3. Do I need to close existing cards before applying?
No. There is no requirement that you close previous personal accounts. People have reported having 4 or more of the exact same card. However, many people have reported problems getting AA Business cards if they have an open Business account.


4. When should I close existing Citi accounts?
This is a matter of personal preference. Citi cards can be closed immediately after receiving a bonus and paying off the balance. There are no verifiable reports of Citi clawing back miles (exception - miles were clawed back for returned merchandise around November 2011).

Reasons to keep accounts open:
  • Having large credit lines improves your utilization percentage.
  • Maintaining old cards improves average age of cards.
  • Credit lines can be moved from old cards to new cards.
  • Anecdotal evidence suggests that Citi counts the credit lines of recently-closed accounts for 3-6 months against your total available credit.
  • You can receive retention offers once every 6 months per card. See this thread for details on the latest retention offers.

Reasons to close accounts:
  • Having a large amount of available credit with Citi will eventually reduce your chances of instant approval. Your application will automatically be reviewed if your CL's total 75K or more. This may also result in a large disparity between existing account CL's and new CL's, such as 20K, 20K and 1K for a new card, as an example.
  • There is little incentive to pay an annual fee if it is not waived.
  • The annual fee on Business cards is rarely waived.
  • Having a large number of open Citi cards will show up on your credit report and may affect non-Citi applications as well as the overall age of your accounts.


5. Can I apply for a business card if I dont have a business?
Anyone can apply for a business card. You do not need a registered business with an EIN. If you do not have a business with an EIN or with bills/accounts in the business name, you can apply using your name as the business. The three possibilities are that: 1. You could be approved unconditionally, 2. You could be asked to fax a couple of bills or accounts (water, electricity, gas, cable, or phone bills, bank accounts, etc.) in the name of the business to Citi, or 3. You could be required to fill out and send a 4506-T tax form. Whatever you do do not make up income etc. about the business. Plenty of people have been issued cards for businesses with $0 annual revenue, 1-5 employees, and 0 years in business.


6. Can I buy Visa gift cards to meet my minimum spend?
Purchases from banks are almost always coded as a cash advance regardless of what they are for. Purchases from stores, e.g. CVS, are almost always coded as a purchase.
If you are concerned about it, its recommended to send a secure message Citi and have them set your Cash Advance limit to zero. Phone CSRs often say they can not do this.


7. Do I get 10% back when redeeming miles for awards?
It depends. First, the rebate program (which began in April 2012) applies only to holders of these cards:
  • Citi Platinum Select AAdvantage Visa Signature
  • Citi Platinum Select AAdvantage World MasterCard
  • Citi Platinum Select AAdvantage World Elite MasterCard
  • Citi Select AAdvantage American Express
It does not apply to the Citi Gold World MasterCard, Citi Executive products, or some of the Citi Business cards.

Also, the maximum rebate for any cardholder in a single calendar year is 10,000 miles. Having more than one qualifying Citi AA card will not allow you to receive a larger rebate; the restriction applies per AAdvantage account.

For more on the 10% rebate benefit, see Citi 10% miles back / rebate for reward redemption.


8. Do I have to use my own AAdvantage number on applications?
Yes. The name on the card application must match the name on the AAdvantage account. You cannot apply for multiple cards for different people and use the same AAdvantage account number. AA does not care or even know how many Citi accounts you have so there is no harm in having your AAdvantage account number associated with multiple cards in your name. If you forget to add your AAdvantage account number to your application, an AAdvantage account in your name will be created and can later be merged with your existing account by calling AA.


9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
You need to have faith in the people here if you want to maximize your miles. The people on this board constantly apply for these cards and report back what they are told are the benefits and what they actually receive. The way Citi works is that if you are approved for a card, you will get the bonus associated with the link you applied under as long as you make the minimum spend. It does not matter if you already had the card or anything else. If you are approved - then you get the bonus. The two exceptions to this are: 1. If you fail to clear your cache and accidentally load a cached application, you get the miles associated with that application and 2. Some people have recently succeeded in 'bumping the bonus' by contacting Citi and requesting a match to a 50K offer after applying for a 40K card. If you don't feel like trusting in the experiences of others, then apply for an offer with a landing page.


10. When will my bonus miles post?
Two working days after the date of the statement containing the charge that takes you across the spend threshold. It posts overnight, it'll be there when you check your AAdvantage account in the morning.


11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
No one knows exactly why this is happening to some people (Citi blames AA, AA blames Citi, and both blame the merger). It supposedly has something to do with the time it takes them to properly link your AAdvantage number to your card. There are two ways to deal with this:
  • Wait 1-2 statement periods, and see if the points post on their own. Per Citi, it can take this long for the accounts to link.
  • Call AA (1-800-882-8880) and open a case about it. Most people have had their miles post within 2 weeks of doing this.

For ongoing discussion, see Some AA Citi Card miles not transferred to AAdvantage accounts [Q3 2013 - Q1 2014]


12. Can I cancel a card using secure messaging?
Yes, assuming you have set up the credit card in your Citi account. Quick and easy.


13. I activated the card online and got a message about this card replacing an old card. What does that mean?
When activating cards online, Citi normally displays the text:

Quote:
"This account replaces your old account, which is now closed. Statements for your old account will be available for up to 6 months. Your current account summary and unbilled transactions are now listed under your new account number."
This is normal and is supposed to be displayed when activating a replacement card but it seems to display even when activating a brand new card. This is nothing to worry about.


14. Which credit bureau does Citi pull and can I force them to use a different one?
Citi appears to use Experian most frequently, followed by Equifax. For some people they pull both. It depends on where you are located. You can check the Credit Boards database to see where card issuers have pulled recently.

For the most part, freezing Experian, or another bureau, will not cause Citi to pull a different bureau. They will almost certainly require you to unfreeze the bureau they wish to pull or deny your application. Some people have been successful providing the PIN but others have not. Mostly, freezing a credit bureau in an attempt to force Citi to pull a different one seems to waste time, money, and effort for little result. But YMMV.

For one person's experiences with various card issuers, check here.


For rules and info on any offers that include Admirals club passes or statement credits, see here.

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Old Jun 18, 14, 9:07 am   #4726
 
Join Date: Sep 2013
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Quote:
Originally Posted by informationexplorer View Post
wonder when the programs will merge into one.

Or has s/he been able to earn the combined total 100k AA FFM under the same AA FFM account number?

both the Personal and the Business 50k FFM offers side-by-side, does anyone have this URL?informationexplorer
The exact date for the merger has not been announced, and most likely AA doesn't even know yet.

Absolutely no need for different FF #s for a personal and business account, you are allowed to have one of each.

I doubt there is a single page with both the personal and bus offers, since they are distinctly different products.
Brugge is offline  
Old Jun 18, 14, 11:16 am   #4727
 
Join Date: May 2014
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Posts: 65
Am i correct in thinking the 50k offer for the personal plat and biz cards is the highest we've seen on those products? I noticed on the wiki that there are other links for lesser offers (some expired) but didn't see any old higher offers listed.
nandemo1 is offline  
Old Jun 18, 14, 1:04 pm   #4728
 
Join Date: Mar 2011
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There was a 75k offer with AF waived about 4 years ago.
Robl is offline  
Old Jun 18, 14, 3:46 pm   #4729
 
Join Date: Apr 2011
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Quote:
Originally Posted by nandemo1 View Post
Am i correct in thinking the 50k offer for the personal plat and biz cards is the highest we've seen on those products? I noticed on the wiki that there are other links for lesser offers (some expired) but didn't see any old higher offers listed.
It is the highest in about two and a half years (other than the Exec card).

Four years ago there were 75K ($1500-$4000 spend) and 100K ($10000 spend) offers on both business and personal cards. The personal offers died one-by-one, starting with the 100K offers, the last 75K offers disappearing end of summer 2011. The business card offers died over time as well, also starting with the 100K offers, the last died end of October 2011.

Back then you could use the two-browser trick to get two AA personal cards on the same day and then wait 18-ish months and repeat. 18 months ago the multi-app in a day died. Last summer, for a few months, the 18-month rule went away and you could get multiple personal cards again waiting only for the 8/60 day periods between apps.

We shall see what the future brings.
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Old Jun 20, 14, 10:57 am   #4730
 
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Quote:
Originally Posted by IkeEsq View Post
It is the highest in about two and a half years (other than the Exec card).

Four years ago there were 75K ($1500-$4000 spend) and 100K ($10000 spend) offers on both business and personal cards. The personal offers died one-by-one, starting with the 100K offers, the last 75K offers disappearing end of summer 2011. The business card offers died over time as well, also starting with the 100K offers, the last died end of October 2011.

Back then you could use the two-browser trick to get two AA personal cards on the same day and then wait 18-ish months and repeat. 18 months ago the multi-app in a day died. Last summer, for a few months, the 18-month rule went away and you could get multiple personal cards again waiting only for the 8/60 day periods between apps.

We shall see what the future brings.

So now I can get both a personal plat and executive cards with the 8/60 day rule and not opposed to the 12-18 months rule as before?
congo287 is offline  
Old Jun 20, 14, 11:11 am   #4731
 
Join Date: Apr 2011
Posts: 1,089
Quote:
Originally Posted by congo287 View Post
So now I can get both a personal plat and executive cards with the 8/60 day rule and not opposed to the 12-18 months rule as before?
Now we are back to the original 18(ish)-month rule for personal cards. The known exceptions are the Executive card (which starts the clock but is not affected by it) and targeted offers, which I believe are not affected by it either (I'd have to verify).

So if you have not had a personal AA card of any type in the past 18(ish) months, you should be able to et a personal AA card and then 8 days later an Executive card. Then, 60(ish) days later you can apply for another Citi card of your choice. Business or another Executive being the main AA choices.
IkeEsq is offline  
Old Jun 20, 14, 7:54 pm   #4732
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Quote:
Originally Posted by congo287 View Post
So now I can get both a personal plat and executive cards with the 8/60 day rule and not opposed to the 12-18 months rule as before?
The 8 and 65 day rules are Citi-wide rules, and all other card-specific rules go on top of them, not instead of them.


The (12 to) 18 (to 26) month rule applies to non-Executive personal AA card applications. (Ie, you cannot apply for another personal AA non-executive card if you had one "too recently".) The (12 to) 18 (to 26) month rule does not apply for Executive AA card applications, nor does it apply to business AA card applications.

(So, for a simple example, if you never had any AA card before, you can apply for a personal AA plat today and an AA Executive in 8 days. But if you apply for the Executive AA first, you have to wait (12 to) 18 (to 26) months to get the personal AA plat.)

However, the 8 and 65 day rules apply for all Citi applications. So if you happen to apply for some other Citi card (such as Citi HHonors Visa) 8 days after the AA plat (in the example above), then you have to wait 65 days from the AA plat to apply for the AA Executive.
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Old Jun 23, 14, 1:31 pm   #4733
 
Join Date: Jan 2011
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Programs: aa plat, ihg plat amb
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Quote:
Originally Posted by sdsearch View Post
When you're logged in to your Citi AA business card account online, you'll have a drop-down to select account numbers, and you'll see two numbers (well, the ending digits of the numbers). One of those will match the number on your card; that's your card account. The other one that doesn't match the number on your card, that's your master account. Make a note of the other account number (the one that's not on your card).

Now, whether cancelling online or on the phone, ask for both of those accounts (identifying them by their ending digits) to be cancelled.


... And welcome to FlyerTalk, tombob!
Is there anything I can do if I didn't do these steps when canceling about 2 years ago? I didn't know about this problem then.
I was turned down a few months ago for having too many accounts and I think this was my problem. I'm not able to log online anymore and I don't think I have my card number anywhere.
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Old Jun 25, 14, 6:34 am   #4734
 
Join Date: Jun 2014
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Quote:
Originally Posted by Brugge View Post
Absolutely no need for different FF #s for a personal and business account, you are allowed to have one of each.

I doubt there is a single page with both the personal and bus offers, since they are distinctly different products.
So one is allowed to have at least one 50k ffm personal & at least one business AA 50k ffm credit card at the same time- using the SAME American Airlines FFM account number?

Believe it or not- it was only a few months ago there was a American Airlines single webpage which a visitor could click-on and be directed to either a 50k ffm personal card offer or a business 50k ffm offer card. I have yet to find a homepage describing (in detail) a business AA 50k ffm credit card offer- along with displaying a link to the business card application page. This provides me with the reassurance that I am applying for the 50k FFM business card offer.
informationexplorer is offline  
Old Jun 25, 14, 7:35 am   #4735
 
Join Date: Mar 2006
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Quote:
Originally Posted by informationexplorer View Post
So one is allowed to have at least one 50k ffm personal & at least one business AA 50k ffm credit card at the same time- using the SAME American Airlines FFM account number?

Believe it or not- it was only a few months ago there was a American Airlines single webpage which a visitor could click-on and be directed to either a 50k ffm personal card offer or a business 50k ffm offer card. I have yet to find a homepage describing (in detail) a business AA 50k ffm credit card offer- along with displaying a link to the business card application page. This provides me with the reassurance that I am applying for the 50k FFM business card offer.
Yes, one is allowed to have personal and business Citi AA cards at the same time, using the same AAdvantage account number. There is actually a link to a landing page for both the 50K Business and Personal MC in the wikipost at the top of this thread (click on the plus sign to expand it if necessary).

Read the wikipost carefully if you haven't already, and rest assured that many of us have used the various links posted here with good results. In fact, I was just approved for another business card about a week ago, and I currently have a personal card as well (probably at least my 13th personal card so far over the past few years).

Last edited by MarkMColo; Jun 25, 14 at 7:40 am.
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Old Jun 25, 14, 9:14 pm   #4736
 
Join Date: Apr 2011
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Quote:
Originally Posted by informationexplorer View Post
So one is allowed to have at least one 50k ffm personal & at least one business AA 50k ffm credit card at the same time- using the SAME American Airlines FFM account number?

Believe it or not- it was only a few months ago there was a American Airlines single webpage which a visitor could click-on and be directed to either a 50k ffm personal card offer or a business 50k ffm offer card. I have yet to find a homepage describing (in detail) a business AA 50k ffm credit card offer- along with displaying a link to the business card application page. This provides me with the reassurance that I am applying for the 50k FFM business card offer.
One could, in fact, have five personal and three business credit cards on the same AAdvantage account at the same time. AA sells miles to credit card companies and others and does not really care how many cards Citi issues to you. Citi does not either, apparently.
IkeEsq is offline  
Old Jun 26, 14, 12:01 am   #4737
 
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 506
I'm a bit confused by some of the posts and just want to make sure I understand correctly. I got the Citi Exec card for the 100k offer three months ago. I have no other citi cards. My understanding is that I can not turn around and apply for the citi personal AA card for the 50k bonus (or at least not for quite awhile)? However, I can apply for the business version of the card? With regard to the business card how difficult is it to obtain it? I have a sole prop and I had to jump through a bunch of hoops to verify the business in order to get a recent ink bold approval.
Red259 is offline  
Old Jun 26, 14, 6:45 am   #4738
 
Join Date: Apr 2011
Posts: 1,089
Quote:
Originally Posted by Red259 View Post
I'm a bit confused by some of the posts and just want to make sure I understand correctly. I got the Citi Exec card for the 100k offer three months ago. I have no other citi cards. My understanding is that I can not turn around and apply for the citi personal AA card for the 50k bonus (or at least not for quite awhile)? However, I can apply for the business version of the card? With regard to the business card how difficult is it to obtain it? I have a sole prop and I had to jump through a bunch of hoops to verify the business in order to get a recent ink bold approval.
Correct, the Exec card starts the Personal AA card clock.

Correct, the Business card is churnable and not affected by Personal applications. You can theoretically get one every 90(95) days.

My experience with Citi Business cards (and my wife's) has been excellent. We have gotten 8-9 between us and they only asked for proof of business (bank statement, utility bill, etc.) for our first card or so. We both always put sole-proprietorship, 1 year in business, $0 revenue, etc. Just make sure you DO NOT LIE and your best bet is generally to have the business name be your name unless you can substantiate some other name with documentation.

FWIW, we have generally had similar luck with Chase and AmEx. The only time I got grilled was for a Chase Ink Bold I applied for for an actual business with EIN, etc.
IkeEsq is offline  
Old Jun 26, 14, 10:42 am   #4739
 
Join Date: Jun 2013
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Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 506
Quote:
Originally Posted by IkeEsq View Post
Correct, the Exec card starts the Personal AA card clock.

Correct, the Business card is churnable and not affected by Personal applications. You can theoretically get one every 90(95) days.

My experience with Citi Business cards (and my wife's) has been excellent. We have gotten 8-9 between us and they only asked for proof of business (bank statement, utility bill, etc.) for our first card or so. We both always put sole-proprietorship, 1 year in business, $0 revenue, etc. Just make sure you DO NOT LIE and your best bet is generally to have the business name be your name unless you can substantiate some other name with documentation.

FWIW, we have generally had similar luck with Chase and AmEx. The only time I got grilled was for a Chase Ink Bold I applied for for an actual business with EIN, etc.
I recently changed my business address and so the address on my bank statement is still the old office address. I actually want to put the app in with my home office address vs using my official office address. Is this going to be a problem with using the bank statement? The business name is a sole prop that contains my name, so my name clearly shows on the biz account. I don't have a office utility bill, since its handled by the management company and would not be in my biz name. My home utility bill would just be addressed to me and not the biz. I have an office phone line installed in my home though.
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Old Jun 26, 14, 1:55 pm   #4740
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Regarding cancelling master account associated with business card:

Quote:
Originally Posted by aaliz View Post
Is there anything I can do if I didn't do these steps when canceling about 2 years ago? I didn't know about this problem then.
I was turned down a few months ago for having too many accounts and I think this was my problem. I'm not able to log online anymore and I don't think I have my card number anywhere.
I have no idea, except to try to call up Citi and see if they can look that up.

But you also need to more specific: What card were you turned down for, and how many Citi accounts do you have that you know of? (And, if you can, what was the exact wording on the denial letter?)
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