Been a while since I logged in.
I'm a bit confused by the "churning" topic and wanted to get clarification. Here's my Citi card history:
1. Approved for Citi Personal AMEX Dec 2011 (Card is closed)
2. Approved for Citi Personal VISA Dec 2011 (Card is closed) {used the double browser trick}
3. Approved for Citi Business MASTERCARD June 2012 (Card is closed)
4. Approved for Citi Personal VISA July 2013 (Card is closed)
From what I understand, I can NOT get a Citi Personal card of ANY type until ~18 months from July 2013, correct?