The simple way to explain the 8/65 rule is:
- Citi allows no more than one application in any 8 day period.
- Citi allows no more than two applications in any 65 day period.
These are two independent rules, but your Citi application timing must not violate
either of them.
So you must always be at least 8 days since your last Citi application,
and at least 65 days since your next-to-last Citi application, to avoid 8/65 problems with a new Citi application.