topic Re: CITI Cards in Credit Cards

CITI Cards

Anonymous — Mon, 31 Mar 2014 00:45:43 GMT

How many CITI apps can you send in a given timeframe?

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 00:55:15 GMT

One every 24-48 hours. Two every 65-80 days.

Limits are apps in total, regardless of approval / denials. The limits may change from time to time as well, so best to check blogs for most updated info.

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 00:59:56 GMT

Thanks!

How are you liking your Palladium card? and how did you get one? thanks!

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 01:03:16 GMT

@Anonymous wrote:
Thanks!

How are you liking your Palladium card? and how did you get one? thanks!

not a problem.

I got it via chase private client banking. I just got the card recently so I can't really say anything about the perks yet, but so far everything is great I suppose. I'm just using it till 100k spend and then the card will be used mostly for its perks. It's a hidden tradeline as well so I am able to put a lot of charges on it without having to worry about a card being maxed out.

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 01:08:46 GMT

Do you need an account with CPC? Can you inquire about it then ultimately ask for your Palladium card be vetted by a CPC associate?

Re: CITI Cards

BarryNTexas — Mon, 31 Mar 2014 01:14:39 GMT

@Anonymous wrote:
One every 24-48 hours. Two every 65-80 days.

Limits are apps in total, regardless of approval / denials. The limits may change from time to time as well, so best to check blogs for most updated info.

Enharu - do you have all of your knowledge in shareable file?

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 01:21:53 GMT

@Anonymous wrote:
Do you need an account with CPC? Can you inquire about it then ultimately ask for your Palladium card be vetted by a CPC associate?

Currently, I think you do need to be CPC, or at least be close to meeting CPC requirements, and therefore classified as a "prospective" CPC.

The requirements for the Palladium are constantly changing, so just keep a lookout from time to time. Early last year anyone could apply but submitting the app via fax, but they have now closed that route. Underwriters for the Palladium now do verify banking assets on top deciding approvals / denials.

You can sweettalk for a CPC associate into submitting an application for you, but he/she will may need the branch's manager approval as well. Your banker will also need to submit an exception form and explain why he/she is vetting the app. So there's a chance that the app may be declined at underwriting as well even if you find a banker that's willing to help.

Alternatively, if you have any banking / investment relationship with JPMorgan or Chase private banking, including 401k that is directly managed by JPMorgan, or a mortgage underwritten by their private bank, then you also qualify for the Palladium card, since you are considered to have banking relationship with JPM.

EDIT: also to add, when my banker was doing my palladium app, she also included a printout of my banking balances, and also asked for a copy of my citi statement. she then faxed the app and these documents over for processing.

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 01:18:33 GMT

@BarryNTexas wrote:
@Anonymous wrote:
One every 24-48 hours. Two every 65-80 days.

Limits are apps in total, regardless of approval / denials. The limits may change from time to time as well, so best to check blogs for most updated info.
Enharu - do you have all of your knowledge in shareable file?

haha no I just lurk around several blogs and FT every now and then, and people do post very useful info there.

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 01:22:12 GMT

I wonder if being a JPM employee would help?

So you are CPC client i assume?

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 01:24:27 GMT

@Anonymous wrote:
I wonder if being a JPM employee would help?

So you are CPC client i assume?

I believe so, though it may depend on your department and job position. For instance if you are a JPM investment banker, you should be able to get that card much more easily. I'm not too sure about their internal policies though. Best for you to check with HR or your manager.

And yes, currently CPC. But I have 0 investment products with them. I told my banker I want none of that crap and she understands.

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 02:10:38 GMT

@Anonymous wrote:
One every 24-48 hours. Two every 65-80 days.

Limits are apps in total, regardless of approval / denials. The limits may change from time to time as well, so best to check blogs for most updated info.

Info is kept pretty up to do at: https://www.flyertalk.com/forum/credit-card-programs/1475783-citi-aa-credit-cards-best-offers-now-50k-read-wikipost-first.html

Mainly about the AA cards but includes rules for all:

Currently shows:

2. What are the most current time-restriction rules in applying for all Citi cards?

Only 1 Citi application of any kind per week (8 days to be safe).
No more than 2 Citi applications of any kind in 60 days (65 days to be safe).
No more than 1 Citi business application in 90 days (95 to be safe). This does not override the rules above.

While the day limits are a little flexible by a few days either way and YMMV, the rules themselves are not flexible. Note: In applying the rules above, count all Citi applications, including denials and/or applications for non-AA cards.

which is a little more restrictive on the first point than enharu.

Re: CITI Cards

Anonymous — Mon, 31 Mar 2014 02:31:19 GMT

im at CIB. ill ask HR once I start.

and youre a CPC client but no product/account?