Originally Posted by
beltway
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.
OK, folks, I've tampered with Scripture on the 8-day "rule," as well as cleaned up the full section on 65/95 days. Here's how it all reads now:
2. What are the most current time-restriction rules in applying for all Citi cards?- No more than 2 Citi applications of any kind in 60 days (65 days to be safe).
- No more than 1 Citi business application in 90 days (95 to be safe).
The minimum times are not flexible, and Citi has been known to miscount in some cases. As a result, it is inadvisable to apply again exactly on day 60 or 90--thus the advice to wait 65 or 95 days, as appropriate.
For purposes of these rules,
- count all Citi applications, including denials and/or applications for non-AA cards.
- the only day that matters is the application date (not approval date, not activation date).
- count all calendar days, not just business days.
If you get denied for violating any of these rules, you will probably have to wait the full time period (60+ or 90+ days before trying again. Use this calculator to establish your dates:
http://www.timeanddate.com/date/dateadd.html
In addition, FT lore has evolved into soft guidance that you apply for no more than one Citi card (of any kind) in any 8-day period.
This is merely prudential guidance, not clearly established Citi policy;
there are examples of people applying for two cards in a single day and being approved for the second. However, multiple Citi applications in a short time frame do appear, at least anecdotally, to increase the odds of the second application being denied. (You may see FTers refer to "the 8/65 rule," which refers to this soft guidance plus the strict 60-day rule noted above.)
An example of the guidance above applied in combination:
Day 1 50K HHonors - Starts 60-day clock. No apps of any kind recommended for 8 days.
Day 9 50K AA Personal Plat MC - Starts 24-month clock for personal Plat MC & resets 60-day clock.
Day 70 50K AA Business - Starts 90-day clock for biz card apps & resets 60-day clock. No apps of any kind recommended for 8 days.
Day 78 50K AA Executive - 60-day rule dictates no more apps of any kind for next 52-57 days (because of app 8 days earlier).
Day 135 25K AA Gold MC - Starts 24-month clock for Gold MC. No apps of any kind recommended for 8 days.
Day 165 50K AA Business
Day 78 plus 24 months 50K AA personal plat MC - As long as you have not closed the Day 9 card in the previous 24 months (as that would have reset the 24-month clock).
Not sure what day you applied? The date is written year, month, day in the application number: 201412150000 means you applied on December 15, 2014.