Originally Posted by forextrader

The rule is regarding hard inquiries on your credit report - AFAIK, Citi will reject an application for "too many inquiries" if you have had more than 7 inquiries in the previous 6 month period - and not just CITI inquiries, but inquiries from all banks.

In my case, Citi used to pull TU which was great - but since June they began pulling EX on me - problem is other banks (Chase, Amex, BofA) also pull EX - so to reduce hard inquiries on EX I have had to cut down my churning on Chase and Amex cards and purely stick to BofA (hawaiian) and Citi (AA) cards for my churns

It also appears that the 2 personal cards every 60 days rule is YMMV - works for some, not for others (anecdotal based on posts I have read on FT and other sites).