Originally Posted by
Tigerblood
I remembered that I had not applied for a Citi Plat biz card (I currently have 2 Plat and 1 Gold) and decided to apply. My application was rejected and it said something like we can't approve you at this time and we'll send a letter. So I was pissed and decided to not waste my hard pull and apply for a 2nd Gold (1st had been upgraded to WE last year) understanding the loophole may be closing and the 24 month is now in effect. I was approved for the 2nd Gold
Then it struck me after the approval that something was off. Then it hit me. I applied and was approved despite the 8/65 rule. I completely forgot about the rule when applying after the business app was denied. I thought it might be because it was a biz app and rushed on here to clarify. The wiki does say that you have to wait 8 days for a second application irregardless of denial or approval but I'm not 100% sure if there is a personal/biz discrepancy
TLDR - applied for AA Plat Biz denied, applied for AA Gold approved same day (appears to break 8/65). Unless I misunderstood something?
We've discussed in the past that the "only once in 8 days" advice is a lot squishier--not a hard & fast rule at all. I'll go back & see about softening the wiki explanation a bit.
As for "wasting a pull," you're going to get 2 pulls anyway IIRC. The credit-reporting agencies only combine same-day pulls for identically named entities, but the banks have different departments with different names for personal & biz cards.