TTT103

Well, the game seems to be over for me. I used to be able to churn two cards at a time. I would apply for a Visa and MC on the same day; however, this month I receieved the Visa card, but also receieved the "you can not apply for more than one card in a 60 day period" letter. Has anyone else had this occur?

singlemalt

It happened to my wife. I applied for two cards for her last Saturday (04/05), and she got the same e-mail for one app on Monday.

I've never applied for two cards at the same time under my name and have never been declined. I did receive a call from Citi this week re: an app for a second plat MC. The rep said that since I already had one card and had the max credit limit on it, they could only give me a $5K limit on the new card - but I could reallocate credit limits if I wanted. The $113K balance I had on my first card had no bearing on their approval.

I think what I'm going to do in the future is apply for only one card at a time, and apply for different cards: MC, Amex and Visa - even though the Visa card has only a 20K bonus (I think). Once sufficient time has passed, I'll go back to 3-app/60-day process for my wife and see if breaking up the apps works for her.

PDX_Roy

Mar 19 my wife applied for VISA, MC, and AMEX. She got a VISA and 2 "you can not apply for more than one card in a 60 day period" letters.

My 60 days are ending Apr 27 and I may try applying for 2 MCs and see if that works.

CandymanJim

Does the letter specifically say "One Card"? Or does it say the standard too many apps in 60 days?

I was denied twice for 2 cards since they were both less than 60 days (by 1-2 days). But I was specifically told by an CSR that 2 weeks later (4/4) I would be eligible for another card. The denied applications reset the 60 day application clock each time. I just called and was told my third application was denied. I asked why, and was told you cannot have more than 2 applications in a 60 day period. I asked how long that was the rule and she did not know. I asked when I would be eligible again and she suggested to try back in June!

Jim

CandymanJim

Citi CSR confirms that you are only allowed one business card every 90 days, AND

"YOU CAN APPLY FOR MORE THAN ONE PERSONAL CARD AS LONG AS YOU WAIT AT LEAST 60 DAYS BETWEEN EACH APPLICATION"

Rep was clear the limit is one app per 60 days now for personal cards.

This sucks, I cant imagine why they put these obsurd restrictions in place!

Jim

TTT103

I guess there are just too darn many of us crazy people out there. At least they didn't pull the plug entirely, as Chase did.

thebat

If it's been more than 90 days since last application for anything, can I presume it's OK to apply for a business card and a personal one on the same day?

CandymanJim

Yes, Citi considers them separate. So, you could do 1 business card every 90 days and one personal card every 60 days and they can be done at the same time, same day.

Jim

wheresTWA

If you have two different businesses, can you get a card for each business per 90 days?

ESpen36

Depends. If they all have different EINs, then sure. If all of them are sole proprietorships (i.e. you use your SSN instead of an EIN), then no.

biggestbopper

IMHO, this is (or was) incorrect. I have (in the past, a year or so ago) gotten several business cards on the same SSN within 60-90 days of each other.

technique

Not me. I got letters stating one business card application per 90 days

CandymanJim

OK, I am only 125k from AA Lifetime Plat and want the extra miles. So, I called Citi back and asked for a CSR manager and asked them point blank when can I apply again since I reset the 60 day clock three times now.

I was informed by her that I can have TWO personal applications in 60 days, irrigardless wheather they were approved or declined. She seemed knowledgeable about the subject and advised I reapply after 60 days from the last application, just to make sure I dont reset the clock again. I am eligible on 5/16/08 for another card if it is 2 in 60 days, so I will call back then and ask if I am elligible.

Boy, now I am really confused on their new rules. I am wondering if they can now apply different rules to different customers?

Jim

technique

can you apply over the phone for the same offers that are on the web? if so, can they tell you before you apply if you are eligible or if you will be denied due to the 60 day rule? this would be nice because it would avoid a hard pull. they hard pull even if they deny you for the 60 day rule right?

kaukau

Yes they can. They can do anything they want. A Credit Manager or Credit Analyst Specialist can approve you for a card that the system has rejected, etc. etc.

Kudos to you for having the insight to ask your questions directly to a CSR. That's one of the things they're there for: to answer our questions.

TTYL