Citicards 60 day/ one application policy
May 9, 2009, 2:23 pm
#856
Join Date: Nov 2007
Location: SF Bay Area
Posts: 314
Well, I used to apply for AA MC online and then apply for AA Visa over the phone about 0.5-1hr later. But I wouldn't apply for the 2nd card until I got approved for the 1st, whether it be instant or after calling in.
Last edited by friedice; May 9, 2009 at 2:33 pm
May 9, 2009, 2:30 pm
#857
Join Date: Jul 2005
Location: Washington, D.C.
Programs: AA PLT (MM), UA 1K, Marriott Ti, IHG Diamond
Posts: 929
May 9, 2009, 2:41 pm
#858
Join Date: Mar 2003
Location: Independence, MO USA
Programs: AA LT Gold & Marriott Gold
Posts: 275
When you are churning, how long do you wait after receiving the bonus until you cancel the card? Secondly, how long do you wait after cancelling a card before applying again? I understand the 60-90 day wait between application, but wasn't sure on the other details.
May 9, 2009, 3:09 pm
#859
Join Date: Oct 2004
Location: Washington, DC
Programs: AA Gold, AMEX MR, BA, DL, SPG, UA, US, Hyatt Platinum
Posts: 461
Personal cards - I have so many, I do not know how many (maybe 6-8). I apply every 60+ days. About 2 weeks ago, I applied and got another personal card. (after an initial denial for late citicard payments (this was not correct))
Business cards - As of 10 days ago, I had one. 10 days ago, I applied and was approved for a second business card.
In my experience, the dates between personal and business do not matter. Please apply and post your results. IF you are initially denied search my recent posts on denials for strategy and/or pm me.
Happy churning.
May 9, 2009, 8:43 pm
#860
Join Date: Sep 2008
Location: NYC
Programs: AA PLT 2MM
Posts: 395
I've been churning Citi AA cards for a couple of years and I always cancel the day after the miles post into my AA account. I pay the bill online on the day after the statement closes and the miles usually post a day or two after that. No need to keep it open as Citi limits the number of open accounts you can have.
May 9, 2009, 10:58 pm
#861
Join Date: Jul 2005
Location: Washington, D.C.
Programs: AA PLT (MM), UA 1K, Marriott Ti, IHG Diamond
Posts: 929
Anyone keep track of what bureaus Citi pulls? Normally, they always pull EQ for me... About 6 months ago, they started pulling EX, then went back to EQ after maybe 2 months...
On my most recent round, I applied for 3 cards:
1 biz - EX
2 personal - Both EQ
I think it's strange the personal and biz would pull different bureaus...
On my most recent round, I applied for 3 cards:
1 biz - EX
2 personal - Both EQ
I think it's strange the personal and biz would pull different bureaus...
May 10, 2009, 10:25 am
#862
Join Date: Feb 2008
Location: CHS
Programs: Delta, AA, BA, United, Hyatt Globalist, Hilton Honors Diamond, SPG Marriott Gold, Sixt Platinum
Posts: 1,142
Try www.CreditBoards.com . It is a free sight, where people can post info about " which credit reporting , in what area".
May 10, 2009, 11:10 am
#863
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,606
Wirelessly posted (BlackBerry8703e/4.1.0 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/104)
The miles post within a few days of the statement closing date regardless of whether you have paid the bill. The only reason to pay the bill before the payment-due date (and thereby give up the "float") is if you want/need to close the account prior to the payment-due date.
Originally Posted by j3brooklyn
I've been churning Citi AA cards for a couple of years and I always cancel the day after the miles post into my AA account. I pay the bill online on the day after the statement closes and the miles usually post a day or two after that. No need to keep it open as Citi limits the number of open accounts you can have.
May 10, 2009, 1:37 pm
#865
FlyerTalk Evangelist
Join Date: Mar 2006
Location: DFW
Programs: AA 1M
Posts: 31,475
May 10, 2009, 4:20 pm
#866
Join Date: Dec 2006
Posts: 242
If she has a decent credit rating, apply for the card in her name, and add yourself as a second user. Then she can earn on your spend (or hers.)
May 10, 2009, 7:19 pm
#867
Join Date: Dec 2004
Posts: 5,632
Wirelessly posted (BlackBerry8703e/4.1.0 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/104)The miles post within a few days of the statement closing date regardless of whether you have paid the bill. The only reason to pay the bill before the payment-due date (and thereby give up the "float") is if you want/need to close the account prior to the payment-due date.
Not that float is worth much these days, interest rates being what they are.
May 11, 2009, 5:41 am
#868
Join Date: Mar 2005
Location: DAY
Programs: AA Lifetime Gold, BA, DL, CO, UA, F9, AS, SPG, HHonors Gold, WN, Club Carlson Gold,
Posts: 1,378
I made the mistake of applying for another Citi Visa too early. When I applied for the card, I thought it had been 60 days since my last application, but it was only 57 days, and as a result, I received a letter stating I can only apply once every 60 days. My question is, I just received the letter, and it is now more than 60 days since I last applied and received my card. However, it was just a few weeks ago when I applied and received the rejection letter. So, when am I eligible to reapply? Can I apply now? Or, do I have to wait 60 days from I applied a few weeks ago that resulted in a rejection letter? Thanks!
Oh, to add, and this might be the problem, I did apply for a Citi Visa Business card during or within the 60 day period from when I applied for and received my last Citi Visa personal card. However, I thought that the personal Visa and business visa were seperate. Perhaps I need to wait 60 days from when I applied for the Citi Business Visa? Any thoughts?
Oh, to add, and this might be the problem, I did apply for a Citi Visa Business card during or within the 60 day period from when I applied for and received my last Citi Visa personal card. However, I thought that the personal Visa and business visa were seperate. Perhaps I need to wait 60 days from when I applied for the Citi Business Visa? Any thoughts?
Last edited by swdke; May 11, 2009 at 6:19 am
May 11, 2009, 11:56 am
#869
Join Date: Sep 2005
Location: Modesto, CA (90 miles from any real airport)
Programs: SPG Plat (3.2MM LT), Hilton Gold, AA LT Plat (3.2MM), Hertz 5*, US Mint MVP
Posts: 638
I made the mistake of applying for another Citi Visa too early. When I applied for the card, I thought it had been 60 days since my last application, but it was only 57 days, and as a result, I received a letter stating I can only apply once every 60 days. My question is, I just received the letter, and it is now more than 60 days since I last applied and received my card. However, it was just a few weeks ago when I applied and received the rejection letter. So, when am I eligible to reapply? Can I apply now? Or, do I have to wait 60 days from I applied a few weeks ago that resulted in a rejection letter? Thanks!
Oh, to add, and this might be the problem, I did apply for a Citi Visa Business card during or within the 60 day period from when I applied for and received my last Citi Visa personal card. However, I thought that the personal Visa and business visa were seperate. Perhaps I need to wait 60 days from when I applied for the Citi Business Visa? Any thoughts?
Oh, to add, and this might be the problem, I did apply for a Citi Visa Business card during or within the 60 day period from when I applied for and received my last Citi Visa personal card. However, I thought that the personal Visa and business visa were seperate. Perhaps I need to wait 60 days from when I applied for the Citi Business Visa? Any thoughts?
Jim
May 11, 2009, 12:16 pm
#870
Join Date: Dec 2004
Posts: 7,905
Why don't you just create a new thread to answer FAQs and then maintain it yourself by editing the first post?
I don't see how making this thread into a sticky or making a new thread into a sticky would help. (In fact some people don't like giving this topic any exposure in the first place.)
I don't see how making this thread into a sticky or making a new thread into a sticky would help. (In fact some people don't like giving this topic any exposure in the first place.)