Originally Posted by jsk1973

For some people, yes, and for other people, no, but it's impossible to tell in advance. It all depends on when an applicant's first statement closes. For some people, that will be in December, which means they have time; for others, it will be January, which means no dice. The length of time before the first statement seems to be somewhat random, and once the closing date has been set, Citi will not allow it to be changed for any reason.