Originally Posted by
charlesonmission
Citi doesn't actually have any limitations or references to gaming on the current application.
https://creditcards.aa.com/cbaa_standard/
Churning is still allowed per the terms listed above, it is 48 months from when you get the bonus. There are multiple AA cards though, so each restriction is per AA card, not across the AA family.
https://creditcards.aa.com/ So, you can actually still get on average 1 Citi AA card a year.
Amex still references gaming: "
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain an offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit, we may freeze, or we may take away the Hilton Honors Bonus Points from your account. We may also cancel this Card account and other Card accounts you may have with us."
They don’t use the word “gaming”,but they have a whole paragraph dedicated to it:
Fraud Disclosure
If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage® miles for purchases made with your card, suspending or closing your CitiBusiness® / AAdvantage® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage® miles or (4) using the account other than for business purposes.