topic Re: Current citi bonus rules in Credit Cards

Current citi bonus rules

red259 — Tue, 24 Apr 2018 06:44:43 GMT

I thought I closed all my citi AA cards last year. While looking at my account tonight I see that I didn't close one of them. I know the rule is you can't get the bonus if you opened or closed the card in the last 24 months, but what about if you have the card already and its been over 24 months since it was opened? Can you get the card again with signup bonus if you have the card already?

Re: Current citi bonus rules

AverageJoesCredit — Tue, 24 Apr 2018 11:54:50 GMT

I'd imagine you'd be ok as you didn't open or close in 24 months

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 12:43:09 GMT

Apply over the phone to confirm that you qualify and get the name of the representative as an extra bit of insurance in case you do run into any issues.

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 12:46:08 GMT

@red259 wrote:
I thought I closed all my citi AA cards last year. While looking at my account tonight I see that I didn't close one of them. I know the rule is you can't get the bonus if you opened or closed the card in the last 24 months, but what about if you have the card already and its been over 24 months since it was opened? Can you get the card again with signup bonus if you have the card already?

Yes, I did exactly that with the Citi AA Platinum. Have 2 or them currently. Will be closing my first one out soon to reset the 24 month clock

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 12:47:09 GMT

@Anonymous wrote:
Apply over the phone to confirm that you qualify and get the name of the representative as an extra bit of insurance in case you do run into any issues.

No need to do that and the last thing you want to do is to rely on the word of a frontline CSR as to whether you will receive a bonus or not. It’s meaningless.

Re: Current citi bonus rules

FinStar — Tue, 24 Apr 2018 12:54:42 GMT

So @Anonymous, if I understand the rules correctly, my AA Executive will be roughly 24 months in August, but all my previous AA Platinum Select CCs have been closed for over 24 months, then the bonus would still apply, correct?

Plus I want to keep the AA Executive 😁

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 13:14:59 GMT

@Anonymous wrote:
@Anonymous wrote:
Apply over the phone to confirm that you qualify and get the name of the representative as an extra bit of insurance in case you do run into any issues.
No need to do that and the last thing you want to do is to rely on the word of a frontline CSR as to whether you will receive a bonus or not. It’s meaningless.

I've had issues with some credit card incentive programs in the past and when I start giving names and getting annoyed stuff gets done.

Although they may be a "frontline CSR" they represent the company. Am I wrong?

Read the incentive fine print and get a name at the time of application for an extra bit insurance, if you insist that you are 100% correct and there are no program changes you are unaware of or misinterpretation of the rules then I guess calling and having a name is not needed.

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 13:35:21 GMT

@FinStar wrote:
So @Anonymous, if I understand the rules correctly, my AA Executive will be roughly 24 months in August, but all my previous AA Platinum Select CCs have been closed for over 24 months, then the bonus would still apply, correct?

Plus I want to keep the AA Executive 😁

Yes, you would be eligible for another Platinum card

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 13:40:06 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Apply over the phone to confirm that you qualify and get the name of the representative as an extra bit of insurance in case you do run into any issues.
No need to do that and the last thing you want to do is to rely on the word of a frontline CSR as to whether you will receive a bonus or not. It’s meaningless.
I've had issues with some credit card incentive programs in the past and when I start giving names and getting annoyed stuff gets done.

Although they may be a "frontline CSR" they represent the company. Am I wrong?

Read the incentive fine print and get a name at the time of application for an extra bit insurance, if you insist that you are 100% correct and there are no program changes you are unaware of or misinterpretation of the rules then I guess calling and having a name is not needed.

Yes of course they represent the company. Nonetheless every Cc issuer has wording that their rules are the final determining factor and they overrule anything said by any representative. In fact, front CSRs often give out incorrect information about bonuses because they are not familiar with their own company’s rules and it doesn’t matter one bit if one of them tells you that you are eligible, you apply and then don’t receive the bonus because you weren’t eligible in the first place. That’s why I never bother to even ask. You’re far better to inquire at places like here or read FlyerTalk’s Wiki’s about all of the major card bonuses.

Re: Current citi bonus rules

FinStar — Tue, 24 Apr 2018 14:58:51 GMT

Good points. Thanks again @Anonymous.

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 16:21:53 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Apply over the phone to confirm that you qualify and get the name of the representative as an extra bit of insurance in case you do run into any issues.
No need to do that and the last thing you want to do is to rely on the word of a frontline CSR as to whether you will receive a bonus or not. It’s meaningless.
I've had issues with some credit card incentive programs in the past and when I start giving names and getting annoyed stuff gets done.

Although they may be a "frontline CSR" they represent the company. Am I wrong?

Read the incentive fine print and get a name at the time of application for an extra bit insurance, if you insist that you are 100% correct and there are no program changes you are unaware of or misinterpretation of the rules then I guess calling and having a name is not needed.
Yes of course they represent the company. Nonetheless every Cc issuer has wording that their rules are the final determining factor and they overrule anything said by any representative. In fact, front CSRs often give out incorrect information about bonuses because they are not familiar with their own company’s rules and it doesn’t matter one bit if one of them tells you that you are eligible, you apply and then don’t receive the bonus because you weren’t eligible in the first place. That’s why I never bother to even ask. You’re far better to inquire at places like here or read FlyerTalk’s Wiki’s about all of the major card bonuses.

Regarding CSRs, I've been referred to their supervisors via transfer and recieved to complimentary extra cash rewards ~$20 just for the inconvenience caused. Then I got credited the incentive as well. It's ok though if others don't see it the same way.

Re: Current citi bonus rules

red259 — Tue, 24 Apr 2018 20:33:37 GMT

Does citi do the thing where you get one AA personal card then you can't get the signup for the other AA personal cards in the same family of cards? You can get the business and the personal AA card in close proximity and get the bonus on both correct?

Re: Current citi bonus rules

FinStar — Tue, 24 Apr 2018 20:42:05 GMT

Have you had the AA Business Platinum in the past 24 months?

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 20:55:42 GMT

@Anonymous wrote:
Regarding CSRs, I've been referred to their supervisors via transfer and recieved to complimentary extra cash rewards ~$20 just for the inconvenience caused. Then I got credited the incentive as well. It's ok though if others don't see it the same way.

Yes, that can happen. But Irish's point is that most issuers have language clearly stating that the agreement represents the complete contract and cannot be altered verbally blah blah blah. Which means "We can hire people cheaply and not train them very well, and if they mess up and say something wrong, not really our problem." As you say, a nice supervisor might fix, but often not. See the frequent posts about people finding that they are not going to given SUBs that they applied for.

Re: Current citi bonus rules

red259 — Tue, 24 Apr 2018 21:42:14 GMT

@FinStar wrote:
Have you had the AA Business Platinum in the past 24 months?

I'm not asking about the 24 month clock. I'm just trying to confirm that the opening of a personal AA card does not reset the bonus clock on a business AA card.

Re: Current citi bonus rules

Anonymous — Tue, 24 Apr 2018 22:39:42 GMT

@red259 wrote:
@FinStar wrote:
Have you had the AA Business Platinum in the past 24 months?
I'm not asking about the 24 month clock. I'm just trying to confirm that the opening of a personal AA card does not reset the bonus clock on a business AA card.

It does not but I higly recommend that you read the FlyerTalk Wikipage on Citi AA cards and the 24 month rule. All these questions are dealt with there in great detail

Re: Current citi bonus rules

Anonymous — Wed, 25 Apr 2018 00:20:19 GMT

According to their website you cannot currently have or have had the card you're applying for within last 24 months, and still qualify for the subs.

Re: Current citi bonus rules

Anonymous — Wed, 25 Apr 2018 11:02:52 GMT

@Anonymous wrote:
According to their website you cannot currently have or have had the card you're applying for within last 24 months, and still qualify for the subs.

Well I would have to reread it but I don’t remember it saying that. Regardless I know for a fact that you can have 2 of the personal AA cards at the same time. You can’t however have two of the business cards at the same time.