Originally Posted by
sdsearch
Opening or closing a plat select resets 18 month window
Open comes before closing only for one card. The opening of one card might come after the closing of another card.
Also, you don't to close one Citi to apply for another Citi card of the same type. Cit only counts openings and closings of cards, not whether you hold them currently.
So maximum success may occur in some cases if opening card two comes after opening card one but before closing card one. If card one was opened more than 18 months ago, then open a card two is safe as long as card one stay opening card two is likely to fail (getting a bonus) if you close card one before you apply for card two.
Some fraction of people get them in email and/or snail mail. But there's a place on the Citi website where
anyone can look for those. In fact, a banner announcing that sometimes pops up (before you've logged in) when you go to citicards.com(though there's lot of banners that do, and it may take quite a lot of visits before the specific banner about
pre-approved offers comes up for you).
I have seen pre-qualified banner a lot, but I dont believe I have seen a pre-approved. I also believe banks these days DONT pre-approving cards - the approval process does not start until you actually submit an application.
Pre-qualify simply means you are qualified to apply a particular offer - some got the 50K some only got the 30K AA. What is interesting is, as
beltway pointed out, even having an existing AA card, he now saw the AA offer online. Ditto for my husband though he only sees the 30K, never sees the 50K. This means even with existing AA card, Citi system still says you are pre-qualifed for another AA card... (When you have a Chase UA card, UA website would no longer show you the Ad to apply for an UA card, as an illustration.)