Originally Posted by sdsearch

Citi is notorious for counting time incorrectly, so I would say you'd want to wait 25+ full calendar months or even a bit more to be on the safer side.

Meanwhile, free Credit Karma should be able to give you the exact open date for free (from either TU or EQ) if you're interested. (Don't use the free Experian site for this, because they have a bug which displays every card as having been opened on the first of the month.)