Citicards 60 day/ one application policy
Oct 24, 2009, 10:04 pm
#1891
Join Date: Sep 2007
Location: Purgatory
Programs: Too many to list. Status is a half dozen.
Posts: 9,236
Way off topic - I miss the free GPS for a Discover card and would love that to come back.
Oct 25, 2009, 8:01 am
#1893
Join Date: Jul 2006
Location: East Coast
Programs: All major Airlines, Hotel Chains, Credit Cards and Car Rentals
Posts: 1,263
I doubt if anyone here can really answer that question. It is more complicated than you think. There are loads of other factors, importantly, your current debt, monthly payments, the length of you credit history and some more.
Oct 25, 2009, 12:01 pm
#1894
Join Date: May 2009
Posts: 44
All of which is further complicated by Citi's current "tight" situation.
Oct 25, 2009, 5:59 pm
#1895
Join Date: Aug 2009
Posts: 96
Oct 25, 2009, 7:08 pm
#1896
Join Date: May 2006
Posts: 2,324
Just apply for another card, shoot for the 30K AA cards, and see what happens. Most importantly, let us know your results, since you posted here. Good luck.
Oct 25, 2009, 11:43 pm
#1897
Join Date: Oct 2008
Location: SFO, SJC
Programs: UA, AA, AS, Marriott Platinum Elite, Hilton Diamond
Posts: 707
well... looks like citi (at least citibusiness) is definitely tightening the belt.
I've churned 2 business cards within the last year... applied for one in Nov '08 and canceled after getting the bonus miles and waiting about 4 months. Then applied and approved for another in June '09, got the miles, and canceled early October. I just applied last week for another Business MC, and got an email rejection saying that I had too many applications.
I called in since I was a bit confused - its been way more than 90 days since my last app, and the lady on the line told me that I had opened and closed 2 accounts within a year. And they rejected me for that reason.
Looks like I won't be churning the business cards anytime soon =\
Anybody else with similar experiences?
I've churned 2 business cards within the last year... applied for one in Nov '08 and canceled after getting the bonus miles and waiting about 4 months. Then applied and approved for another in June '09, got the miles, and canceled early October. I just applied last week for another Business MC, and got an email rejection saying that I had too many applications.
I called in since I was a bit confused - its been way more than 90 days since my last app, and the lady on the line told me that I had opened and closed 2 accounts within a year. And they rejected me for that reason.
Looks like I won't be churning the business cards anytime soon =\
Anybody else with similar experiences?
Oct 26, 2009, 1:06 am
#1898
Join Date: Aug 2009
Posts: 96
Of course... I tried one two months ago, denied because lack of enough credit history. Now I think I meet the requirement, and I am going to try another one next week in early Nov.
Oct 26, 2009, 2:26 am
#1899
Join Date: Jun 2005
Posts: 118
Ugh. I hope I'm not doomed to have only 10 bonuses. I definitely didn't do this frequently enough over the past few years. If I had known earlier how easy it was to cancel by email, I probably would have. Anyways, I too got the maximum credit to an individual denial on the Visa. I'm only at about a fourth of my HHI. I'll wait and see if the bonuses continue before trying again. Maybe the lower required limit for the AMEX will help. What is the waiting time for reapplying after denial?
Oct 26, 2009, 6:57 am
#1900
Join Date: Jul 2006
Location: East Coast
Programs: All major Airlines, Hotel Chains, Credit Cards and Car Rentals
Posts: 1,263
Oct 26, 2009, 8:01 am
#1901
Join Date: May 2006
Posts: 2,324
well... looks like citi (at least citibusiness) is definitely tightening the belt.
I've churned 2 business cards within the last year... applied for one in Nov '08 and canceled after getting the bonus miles and waiting about 4 months. Then applied and approved for another in June '09, got the miles, and canceled early October. I just applied last week for another Business MC, and got an email rejection saying that I had too many applications.
I called in since I was a bit confused - its been way more than 90 days since my last app, and the lady on the line told me that I had opened and closed 2 accounts within a year. And they rejected me for that reason.
Looks like I won't be churning the business cards anytime soon =\
Anybody else with similar experiences?
I've churned 2 business cards within the last year... applied for one in Nov '08 and canceled after getting the bonus miles and waiting about 4 months. Then applied and approved for another in June '09, got the miles, and canceled early October. I just applied last week for another Business MC, and got an email rejection saying that I had too many applications.
I called in since I was a bit confused - its been way more than 90 days since my last app, and the lady on the line told me that I had opened and closed 2 accounts within a year. And they rejected me for that reason.
Looks like I won't be churning the business cards anytime soon =\
Anybody else with similar experiences?
Oct 26, 2009, 9:33 am
#1902
Join Date: Apr 2001
Location: Austin
Programs: AA P4L, WN, BA, DL, UA, HHonors, IHG
Posts: 3,488
Oct 26, 2009, 1:25 pm
#1903
Join Date: Nov 2007
Location: SF Bay Area
Posts: 314
Another data point similar to the ones before. It's been 65 days since I applied for 2 personal and 1 biz cards. Today tried applying for AA MC and Amex, got to the screen "application received" after clicking through that page got a site error in both cases. Called in and was declined both times due to too many credit inquiries. I was kind of expecting that to happen anyway. So like others will wait a few months and keep an eye on the developments.
Oct 26, 2009, 1:39 pm
#1904
Join Date: May 2006
Posts: 2,324
Another data point similar to the ones before. It's been 65 days since I applied for 2 personal and 1 biz cards. Today tried applying for AA MC and Amex, got to the screen "application received" after clicking through that page got a site error in both cases. Called in and was declined both times due to too many credit inquiries. I was kind of expecting that to happen anyway. So like others will wait a few months and keep an eye on the developments.
Surely, this ground rule has been discussed in this thread, but I may be wrong. Anyway, best of luck with your future churning. Two personal, then 1 biz apps, in that order, right on.
Oct 26, 2009, 1:45 pm
#1905
Join Date: Jul 2007
Location: DFW
Programs: AA EXP 1M
Posts: 300
I've churned 2 business cards within the last year... applied for one in Nov '08 and canceled after getting the bonus miles and waiting about 4 months. Then applied and approved for another in June '09, got the miles, and canceled early October. I just applied last week for another Business MC, and got an email rejection saying that I had too many applications.
I called in since I was a bit confused - its been way more than 90 days since my last app, and the lady on the line told me that I had opened and closed 2 accounts within a year. And they rejected me for that reason.
I called in since I was a bit confused - its been way more than 90 days since my last app, and the lady on the line told me that I had opened and closed 2 accounts within a year. And they rejected me for that reason.
I just applied for the Amex and MC and was deined on both for "Too many accounts opened within the last 12 months as reported on your credit report."
Note that this does not site credit inquiries, but accounts opened.
I last applied for both cards in August, well over 60 days ago.
I called on one denial and they would not give me any information other than, my credit report showed too many open accounts, and not necessarily with them. I have a 740 credit score, one auto loan and three open credit card accounts.