My wife’s first of her three recent Experian inquiries was on 9/26/2021, and it looks like that’s the credit bureau which Citi generally pulls from, so she’ll wait until the end of the month.

Of course I can apply instead, as I have only one Experian inquiry. But I would be a newcomer, and she has been in the Citi family for a long time, if that is of any help.

Maybe I'll consider it though because we would like to use a spring property tax payment with the deadline of 4/10/2021 to earn the signup bonus.

Then again, what if Citi doesn’t like three opened accounts within the last six months? I have such three too.