Last edit by: mia
ALL Citi HHonors application links are now DEAD.
Citi's contract to issue Hilton co-branded cards ends December 31, 2017. Citi will sell most accounts to American Express. The criteria for determining which accounts are eligible to be sold are unpublished. Read Hilton FAQ: http://hiltonhonors3.hilton.com/en/e...-card-faq.html .
Citi's contract to issue Hilton co-branded cards ends December 31, 2017. Citi will sell most accounts to American Express. The criteria for determining which accounts are eligible to be sold are unpublished. Read Hilton FAQ: http://hiltonhonors3.hilton.com/en/e...-card-faq.html .
Citi Hilton Honors VISA (no annual fee version) [Ends Dec 2017]
#16
Join Date: Feb 2009
Posts: 6,605
Dunno, been doing it kind of arbitrarily. This stemmed from one of my approvals when I had to call in and an agent noticed that I had one of this same kind of card open, and insisted on closing it and merging the CLs. In my mind, this was tantamount to them saying that I could only have one open. Maybe there's nothing to it, but I've been going into recent apps without any of this card open. But please don't take that as a strong data point, and I'd love to hear what others have been doing.
#17
Join Date: Jan 2010
Location: DCA/RIC
Programs: HH LTD, AA LTG
Posts: 1,015
This hobby is a marathon not a sprint, no reason in my line of thinking to risk getting blacklisted by a bank for closing cards right after cashing in on the sign-up bonus over and over again, especially the exact same card.
How long have you been keeping yours open before closing?
#18
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
The rule I use for this and all cards I no longer want to keep after reaping the benefits of the sign-up bonus is to keep the card open for a min of 8 months max of 11.5 regardless of whether or not an AF is involved.
This hobby is a marathon not a sprint, no reason in my line of thinking to risk getting blacklisted by a bank for closing cards right after cashing in on the sign-up bonus over and over again, especially the exact same card.
How long have you been keeping yours open before closing?
This hobby is a marathon not a sprint, no reason in my line of thinking to risk getting blacklisted by a bank for closing cards right after cashing in on the sign-up bonus over and over again, especially the exact same card.
How long have you been keeping yours open before closing?
There are enough cards with waived first-year AFs that I do not need to resort to this, IMO.
#19
Join Date: Feb 2013
Location: DCA
Posts: 7,769
The rule I use for this and all cards I no longer want to keep after reaping the benefits of the sign-up bonus is to keep the card open for a min of 8 months max of 11.5 regardless of whether or not an AF is involved.
This hobby is a marathon not a sprint, no reason in my line of thinking to risk getting blacklisted by a bank for closing cards right after cashing in on the sign-up bonus over and over again, especially the exact same card.
How long have you been keeping yours open before closing?
This hobby is a marathon not a sprint, no reason in my line of thinking to risk getting blacklisted by a bank for closing cards right after cashing in on the sign-up bonus over and over again, especially the exact same card.
How long have you been keeping yours open before closing?
Good advice; when I apply next I'll do so with all my current cards still open and see how it goes.
I don't regularly close other CC products like airline cards, etc. I just had the strange occurrence where they closed this one for me. Honestly, knowing when to close or not close cards for various purposes and trade-offs (total CL vs. # of inquiries vs. utilization vs. age of credit vs. accounts open vs. etc., etc.) has been one of the biggest grey areas in this game for me.
That said, for blacklisting purposes, if a bank really cared, I wonder if it really would distinguish between opening and closing a bunch of cards right after getting the bonus and opening a bunch of cards and ceasing to put spend on them right after getting the bonus? They're not really any different.
Last edited by arlflyer; Jan 14, 2015 at 4:50 pm
#20
Join Date: Jan 2010
Location: DCA/RIC
Programs: HH LTD, AA LTG
Posts: 1,015
That said, for blacklisting purposes, if a bank really cared, I wonder if it really would distinguish between opening and closing a bunch of cards right after getting the bonus and opening a bunch of cards and ceasing to put spend on them right after getting the bonus? They're not really any different.
If a manual review is required this could be a red flag for an issuer - Barclays comes to mind for me when asked why I had 9 new credit cards (from various issuers in the last year). Glad because I follow my rule that I did not have to answer a follow up question of why did I close them two months after opening.
#21
Join Date: Feb 2013
Location: DCA
Posts: 7,769
Your point/logic is spot on for any particular lender other then intentions of the former being much more blatant than the later. Don't forget or discount though that other banks see the opening and closing date of accounts on your credit report and do not see past history of monthly spend other than the high water mark of each card for closed accounts that goes back at least 10 years.
If a manual review is required this could be a red flag for an issuer - Barclays comes to mind for me when asked why I had 9 new credit cards (from various issuers in the last year). Glad because I follow my rule that I did not have to answer a follow up question of why did I close them two months after opening.
If a manual review is required this could be a red flag for an issuer - Barclays comes to mind for me when asked why I had 9 new credit cards (from various issuers in the last year). Glad because I follow my rule that I did not have to answer a follow up question of why did I close them two months after opening.
#22
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
That said, for blacklisting purposes, if a bank really cared, I wonder if it really would distinguish between opening and closing a bunch of cards right after getting the bonus and opening a bunch of cards and ceasing to put spend on them right after getting the bonus? They're not really any different.
Last edited by sdsearch; Jan 14, 2015 at 8:10 pm
#23
FlyerTalk Evangelist
Join Date: Oct 2014
Posts: 10,904
However, they don't seem to be interested in that... for now.
#24
Join Date: Feb 2009
Posts: 6,605
With the exception of the first Hilton Visa I opened ( which is still open ) they all get closed at 8 months to 1 year.
As soon as I complete the spend I lower the CL to $2K.
To date I have never even had to call recon.
#25
Join Date: Mar 2012
Location: Boulder
Programs: AA Plat, CX Silver
Posts: 2,361
Exactly ! I have had 17 of these ( 40K, 50K, 60K plus $50 Hilton statement credits on some ) Hilton Visas over the at 27 months........I spend the $1000 ( actually it used to be $1500) and never use the card(s) again.
With the exception of the first Hilton Visa I opened ( which is still open ) they all get closed at 8 months to 1 year.
As soon as I complete the spend I lower the CL to $2K.
To date I have never even had to call recon.
With the exception of the first Hilton Visa I opened ( which is still open ) they all get closed at 8 months to 1 year.
As soon as I complete the spend I lower the CL to $2K.
To date I have never even had to call recon.
I reduced my limits by $10k yesterday before applying for an AA card today but still had to call (though I was approved).
Thinking about cutting my Citi limits in half over the next few weeks. I never use their cards past the minimum spend anyways.
#26
Join Date: Feb 2009
Posts: 6,605
I don't think you gave it enough time for the lowered CL's to kick in.
#27
Join Date: Jul 2011
Posts: 775
Do not want to get rejected and waste a pull
from WIKI ===================== I APPLIED ALL HILTONS
Example:
Day 0 - Citi HHonors Card #1======= Oct 3 2014
Day 8 - Citi AA Personal Card ======= Oct 16 2014
Day 65 - Citi AA Business Card ===== Dec 13 2014
Day 73 - Citi HHonors Card #2 ====== Jan 12 2015
Day 130 - Citi TY Card----------------- is next application Feb 9th? if Hilton
IF not HILTON CAN I "now" apply for a A.A. CITI business Platinum Select card ? as I have not had any business cards in 33 months and cancelled last one in Feb 2013 that is 23 months ago -- are business cards treated different?
from WIKI ===================== I APPLIED ALL HILTONS
Example:
Day 0 - Citi HHonors Card #1======= Oct 3 2014
Day 8 - Citi AA Personal Card ======= Oct 16 2014
Day 65 - Citi AA Business Card ===== Dec 13 2014
Day 73 - Citi HHonors Card #2 ====== Jan 12 2015
Day 130 - Citi TY Card----------------- is next application Feb 9th? if Hilton
IF not HILTON CAN I "now" apply for a A.A. CITI business Platinum Select card ? as I have not had any business cards in 33 months and cancelled last one in Feb 2013 that is 23 months ago -- are business cards treated different?
#28
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
You know, I pretty much do that too. But it doesn't seem to matter with Citi. I've gone thru 4 or 5 EXEC cards, all canceled within 2 months or less to avoid the AF. Quite a few people on the EXEC thread have done that 8 times now, with no sign of Citi even noticing. I wouldn't think of trying that with Barclays, but Citi doesn't seem to care.
#29
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,760
Do not want to get rejected and waste a pull
from WIKI ===================== I APPLIED ALL HILTONS
Example:
Day 0 - Citi HHonors Card #1======= Oct 3 2014
Day 8 - Citi AA Personal Card ======= Oct 16 2014
Day 65 - Citi AA Business Card ===== Dec 13 2014
Day 73 - Citi HHonors Card #2 ====== Jan 12 2015
Day 130 - Citi TY Card----------------- is next application Feb 9th? if Hilton
IF not HILTON CAN I "now" apply for a A.A. CITI business Platinum Select card ? as I have not had any business cards in 33 months and cancelled last one in Feb 2013 that is 23 months ago -- are business cards treated different?
from WIKI ===================== I APPLIED ALL HILTONS
Example:
Day 0 - Citi HHonors Card #1======= Oct 3 2014
Day 8 - Citi AA Personal Card ======= Oct 16 2014
Day 65 - Citi AA Business Card ===== Dec 13 2014
Day 73 - Citi HHonors Card #2 ====== Jan 12 2015
Day 130 - Citi TY Card----------------- is next application Feb 9th? if Hilton
IF not HILTON CAN I "now" apply for a A.A. CITI business Platinum Select card ? as I have not had any business cards in 33 months and cancelled last one in Feb 2013 that is 23 months ago -- are business cards treated different?
In your above example No you cannot apply the AA Biz card. The rule has always been, need 90+ days between Business Cards application. Go back to the AA thread's wiki - it is clearly spelled out there. The rule never changes.
65 days applies to ALL Citi cards. 95 days is a subset of the 65 days that applies to AA Biz cards. It has not been 95 days from Dec 13 2014.
However if you do not have any business card as you say, then my guess is you could apply the business card on the 65 days rule because this would be your first business card from enough long time ago.
#30
Join Date: Oct 2011
Posts: 4,166
Happy, does the Biz application reset the clock for further Biz cards AND personal cards, or does it only affect Biz card future applications? I thought the 95 day rule meant that you couldn't apply for another Biz card for 95 days, but personal cards were good after 65.