Does anyone know the exact definition of first 3 months for minimum spend? This is for example in regards to a CitiBusiness Mastercard. I opened my card in mid October and thought that would mean I need to spend the $3K by mid January. However, just had a conversation with a Citibank phone rep who said the 3 months actually starts counting from the the start of the first full billing cycle, which would be the start of November (and thus give me till end of January). Thanks for any insights - its going to be a close call on hitting the spend, so I want to make sure the timing is correct.