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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 don’t 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 don’t 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, it’s 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 Aug 22, 14, 5:01 am   #4981
Moderator: Manufactured Spending
 
Join Date: Jul 2011
Posts: 3,942
Quote:
Originally Posted by IkeEsq View Post
And you think AA cares because . . . ?

The simple fact is that AA makes money off of miles and as long as no one is selling miles, they don't really seem to care too much.
AA might care because they want to use their loyalty program to attract more customers. From their perspective, it's better to give 100,000 miles each to 6 customers than to give 600,000 miles to one customer.
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Old Aug 22, 14, 6:30 am   #4982
 
Join Date: Jan 2013
Posts: 18
I applied for the Biz card using the top link on Wednesday and had to call in, but got approved. Applied for husband yesterday using bottom link and he called and was told he can only have the card/bonus one time and was denied. Should he call again and get different rep or wait for the letter? Reapply after 8 days using diff link?? Thanks, hoping this isn't dead! (just to clarify it was for the 50K bonus biz cards)
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Old Aug 22, 14, 8:52 am   #4983
 
Join Date: Oct 2012
Programs: UA Mileage Plus, AAdvantage, Southwest, HHonors, National
Posts: 128
Hi all,

I've tried googling this but I didn't the exact answer I was looking for. I have the the old AAdvantage Visa gold card but now looking to change over to the new platinum Mastercard. My issue is if I can migrate the line of credit from the old Visa to the new Mastercard. I've considered cancelling and applying for the new card but since the gold was my first credit card, I don't want to cancel my oldest line of credit. On a side note, will I still be eligible for any miles bonus if I can migrate my line of credit?
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Old Aug 22, 14, 9:00 am   #4984
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Quote:
Originally Posted by boracat View Post
Hi, I am a long time lurker writing my first post.

I have had Citi AA Executive 100k since June and am almost done with the spending requirement. I have been receiving target offers on Citi AA Plat 50k, the latest one expiring on 9/15/2014. It is my understanding (based on this thread) that you can't apply for Citi AA Plat after having Citi AA Exec, with the exception being target offers.

Would it be safe for me to apply for Citi Plat before the invitation code expires, or would I be wasting a HP? My CL on Citi Exec is 30K+ and I only have one Citi AA card. However, I believe the target offer was made before they knew that I had Citi AA Exec. (I say this because my mileage statement shown on the offer is from April even though it was mailed out in July).

Please advise.
Welcome to (posting on) FlyerTalk, boracat!

It's hard to say. On the one hand, yes, targeted offers are often constructed some time before they're actually mailed. On the other hand, the Plat card has completely different benefits than the Exec card, and they might targeting you because they think you'd be interested in adding those benefits (free checked bag, priority boarding, 10% back up to 10k annually on award redemptions. etc) to your Exec benefits (lounge access, etc).

Do I understand correctly that the Exec is the only Citi AA card you have? (The way you phrased it, I'm clear whether you mean that the Exec was the one Citi AA card you have, or that you have one non-Exec Citi AA card already.) This targeted offer makes more sense if the Exec is the only Citi AA card you have.
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Old Aug 22, 14, 3:42 pm   #4985
 
Join Date: Sep 2013
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Quote:
Originally Posted by Gradfly View Post
Hi all,

I've tried googling this but I didn't the exact answer I was looking for. I have the the old AAdvantage Visa gold card but now looking to change over to the new platinum Mastercard. My issue is if I can migrate the line of credit from the old Visa to the new Mastercard. I've considered cancelling and applying for the new card but since the gold was my first credit card, I don't want to cancel my oldest line of credit. On a side note, will I still be eligible for any miles bonus if I can migrate my line of credit?
The simple answer to can you move the CL to a new card is YMMV. Sometimes Citi will let you, sometimes they will even suggest that, other times they will refuse.

Assuming it's been at least 18 months since you got the Visa, and it sounds like it has been, you can apply for the MC without canceling the Visa. And yes you will qualify for the bonus miles. If Citi doesn't intend to give you the bonus, they will reject your app outright. If you get the card, and do the required spending in time, you will get the sign up bonus. Occasionally you have to nag them about it, but that's rare.

If your credit history isn't extensive, you might want to keep the Visa open, and add the MC to your collection.
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Old Aug 22, 14, 3:57 pm   #4986
 
Join Date: Oct 2012
Programs: UA Mileage Plus, AAdvantage, Southwest, HHonors, National
Posts: 128
Quote:
Originally Posted by Brugge View Post
The simple answer to can you move the CL to a new card is YMMV. Sometimes Citi will let you, sometimes they will even suggest that, other times they will refuse.

Assuming it's been at least 18 months since you got the Visa, and it sounds like it has been, you can apply for the MC without canceling the Visa. And yes you will qualify for the bonus miles. If Citi doesn't intend to give you the bonus, they will reject your app outright. If you get the card, and do the required spending in time, you will get the sign up bonus. Occasionally you have to nag them about it, but that's rare.

If your credit history isn't extensive, you might want to keep the Visa open, and add the MC to your collection.

I got off the phone with CSR and got a flat out no. I guess I'll try a few more times. My credit history is already extensive but I'm not sure of the impact on my credit score if I cancel the old gold card.
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Old Aug 22, 14, 5:22 pm   #4987
 
Join Date: Aug 2014
Posts: 2
I just tried applying for a business card and was rejected because I already had the welcome offer once in the past. I closed my previous card a few weeks ago, which was opened 6 months ago. Are they doing this with everyone now? Do I just need to wait longer before reapplying?
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Old Aug 22, 14, 7:07 pm   #4988
 
Join Date: Nov 2006
Programs: *G (TK Elite), OW Sapphire (AB Gold), AS 75K, WN CP, Marriott Gold, Kimpton IC
Posts: 1,173
Update: approved the next day by itself, according to the email link

Quote:
Originally Posted by italdesign View Post
First time applying for a biz card

App status:

Step 3: Approval Status

Application Received

Thank you. We have received your application and further processing is required at this time. We will contact you within a week via email regarding our decision. If approved, be sure to visit citicards.com to register for free online services. Thank you for requesting a CitiBusiness® / AAdvantage® World Card.


At this point, if it were a personal card I'd call recon immediately. But since I have no experience with biz card, thought I'd seek advice as to the recommended next step and what to expect.

[edit] more info - I applied as a sole proprietorship. 1 year in business (brand new). No revenue.
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Old Aug 22, 14, 7:22 pm   #4989
 
Join Date: Aug 2014
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Quote:
Originally Posted by sdsearch View Post
Welcome to (posting on) FlyerTalk, boracat!

It's hard to say. On the one hand, yes, targeted offers are often constructed some time before they're actually mailed. On the other hand, the Plat card has completely different benefits than the Exec card, and they might targeting you because they think you'd be interested in adding those benefits (free checked bag, priority boarding, 10% back up to 10k annually on award redemptions. etc) to your Exec benefits (lounge access, etc).

Do I understand correctly that the Exec is the only Citi AA card you have? (The way you phrased it, I'm clear whether you mean that the Exec was the one Citi AA card you have, or that you have one non-Exec Citi AA card already.) This targeted offer makes more sense if the Exec is the only Citi AA card you have.
Thanks, sdsearch!
Yes, the Exec is the only Citi AA (or any Citi card for that matter) I have. Can I call and ask Citi, or would the CSR be clueless and not be all that helpful?
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Old Aug 22, 14, 9:38 pm   #4990
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Quote:
Originally Posted by mikeb7543 View Post
I just tried applying for a business card and was rejected because I already had the welcome offer once in the past. I closed my previous card a few weeks ago, which was opened 6 months ago. Are they doing this with everyone now? Do I just need to wait longer before reapplying?
You didn't explain: Did you close both the card account and its associated master account? Or only the card account? (If only the card account, that could be the problem. Closing the card account alone isn't enough!)

Please read the (recently updated) Wikipost which explains all this and how to find your master account number (last 4 digits online) and to then send a secure message asking that it be closed.
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Old Aug 22, 14, 9:46 pm   #4991
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Quote:
Originally Posted by boracat View Post
Thanks, sdsearch!
Yes, the Exec is the only Citi AA (or any Citi card for that matter) I have. Can I call and ask Citi, or would the CSR be clueless and not be all that helpful?
Learn this very important acronym: HUCA!
HUCA = Hang Up, Call Again
In this case, if you want to try to call, call several different times and see if you get the same answer from each CSR. (Don't mention the previous call.)

A consistent answer from several CSRs still doesn't guarantee it's a correct answer, but it increases the odds.

Keep in mind, though, that the CSRs are not in the business of protecting you from "wasted" pulls, since outside of the churning community, pulls are not even counted by most people. So don't be too surprised if all they can tell you is try it and see if it works.

Unlike some other banks, Citi won't approve you for a card if they're not going to give you the bonus, so the only thing you can waste is a pull. If you do get approved for the card, you can confidently do the required spend and know that if you do it correctly and in time -- clock starts ticking the day you're approved, not the day you get the card -- then you certainly should get the bonus. So the only question is whether you'll be approved or not.


... In general, HUCA can be used any time you're not you're getting the right -- or at least official -- answer from a CSR, or if they're making things up. And CSRs in the credit, airline, and hotel program industries all too often seem to sometimes make things up!
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Old Aug 23, 14, 10:26 am   #4992
 
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Quote:
Originally Posted by Gradfly View Post
I got off the phone with CSR and got a flat out no. I guess I'll try a few more times. My credit history is already extensive but I'm not sure of the impact on my credit score if I cancel the old gold card.
You didn't mention; have you applied for more than 1 Citi card in the last 60 days? Has it been more than 18, or even better 24 months since you applied for the old card. Have you had more than 6 HPs in the last 6 months?

If the answers are no, yes, and no, there must be something else in your credit situation Citi doesn't like. I really doubt having an AA cc open for several years would impact an app for another one. That has never been the case with Citi, at least up until yesterday; and I have no reason to think that has changed.

Before you cancel the card you have, call and tell them you are going to cancel it, even if you aren't. You may very well get a retention bonus that makes it worth your while to keep it open. Citi has given me a statement credit of $10 MORE than the AF, plus double points on the first $1K spent per month, for the next 16 months. And that was for my 4th and 5th open AA cards (yep, 5 "regular" AA cards, and an EXEC card, open at the moment. The EXEC card is the only one I've paid an AF on for a number of years now.
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Old Aug 23, 14, 7:32 pm   #4993
 
Join Date: Oct 2012
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Quote:
Originally Posted by Brugge View Post
You didn't mention; have you applied for more than 1 Citi card in the last 60 days? Has it been more than 18, or even better 24 months since you applied for the old card. Have you had more than 6 HPs in the last 6 months?

If the answers are no, yes, and no, there must be something else in your credit situation Citi doesn't like. I really doubt having an AA cc open for several years would impact an app for another one. That has never been the case with Citi, at least up until yesterday; and I have no reason to think that has changed.

Before you cancel the card you have, call and tell them you are going to cancel it, even if you aren't. You may very well get a retention bonus that makes it worth your while to keep it open. Citi has given me a statement credit of $10 MORE than the AF, plus double points on the first $1K spent per month, for the next 16 months. And that was for my 4th and 5th open AA cards (yep, 5 "regular" AA cards, and an EXEC card, open at the moment. The EXEC card is the only one I've paid an AF on for a number of years now.
Sorry for the lack of details. The only other Citi card I have is the Hilton Reserve which I got last December. As for HP, the last time would be in Jan. When I called, it was to the general application inquiry line. I told the CSR that I was considering applying for the Platinum card but wanted to know if I could migrate the line of credit. She didn't ask any information for my old gold card, just replied with "sorry we can't do that."
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Old Aug 23, 14, 9:52 pm   #4994
 
Join Date: Aug 2014
Posts: 5
Quote:
Originally Posted by sdsearch View Post
Learn this very important acronym: HUCA!
HUCA = Hang Up, Call Again
In this case, if you want to try to call, call several different times and see if you get the same answer from each CSR. (Don't mention the previous call.)

A consistent answer from several CSRs still doesn't guarantee it's a correct answer, but it increases the odds.

Keep in mind, though, that the CSRs are not in the business of protecting you from "wasted" pulls, since outside of the churning community, pulls are not even counted by most people. So don't be too surprised if all they can tell you is try it and see if it works.

Unlike some other banks, Citi won't approve you for a card if they're not going to give you the bonus, so the only thing you can waste is a pull. If you do get approved for the card, you can confidently do the required spend and know that if you do it correctly and in time -- clock starts ticking the day you're approved, not the day you get the card -- then you certainly should get the bonus. So the only question is whether you'll be approved or not.


... In general, HUCA can be used any time you're not you're getting the right -- or at least official -- answer from a CSR, or if they're making things up. And CSRs in the credit, airline, and hotel program industries all too often seem to sometimes make things up!
Thanks for this valuable info! HUCA

Last edited by boracat; Aug 29, 14 at 11:26 pm.
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Old Aug 24, 14, 9:41 pm   #4995
 
Join Date: Apr 2011
Posts: 1,089
Quote:
Originally Posted by mikeb7543 View Post
I just tried applying for a business card and was rejected because I already had the welcome offer once in the past. I closed my previous card a few weeks ago, which was opened 6 months ago. Are they doing this with everyone now? Do I just need to wait longer before reapplying?
They are not doing this with everyone now.

You need to wait 90+ days from this application before applying again for a Citi Business card.

Citi Business cards are very much YMMV.
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