While lending out money and making solid rewards is Citi's strength, naming products and marketing is probably their biggest flaw. The way they name their products can be a little more like a hacksaw where following the naming will not make sense but by looking at the product features it will be more understandable. Solid APR offers are a indicator of acceptance as long as you do not mess with your credit report too much before applying.
@zerofire wrote:While lending out money and making solid rewards is Citi's strength, naming products and marketing is probably their biggest flaw. The way they name their products can be a little more like a hacksaw where following the naming will not make sense but by looking at the product features it will be more understandable. Solid APR offers are a indicator of acceptance as long as you do not mess with your credit report too much before applying.
I did just get two Chase cards (07/31/2017) that I'm sure will have some sort of effect. I was thinking of springing for the Citi before they officially hit the CBs, but I've heard of Chase closing out cards after a month in some instances when the client has gone and gotten other cards. Sort of "gaming" the 5/24 rule. Anyone know the veracity of that claim?
AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719] 
CENTURY CLUB MEMBER
@Khalifa_Jayy wrote:
@zerofire wrote:While lending out money and making solid rewards is Citi's strength, naming products and marketing is probably their biggest flaw. The way they name their products can be a little more like a hacksaw where following the naming will not make sense but by looking at the product features it will be more understandable. Solid APR offers are a indicator of acceptance as long as you do not mess with your credit report too much before applying.
I did just get two Chase cards (07/31/2017) that I'm sure will have some sort of effect. I was thinking of springing for the Citi before they officially hit the CBs, but I've heard of Chase closing out cards after a month in some instances when the client has gone and gotten other cards. Sort of "gaming" the 5/24 rule. Anyone know the veracity of that claim?
AmEx FICO 8: EX [714] | Discover Scorecard FICO: EX [719]
CENTURY CLUB MEMBER
I've yet to see this issue. I do remember reports from another forum about this. Doesn't seem like a wide spread thing. Not something that I'd worry about in your case. It's not like you've apped for 40 cards in the last 3 months. Lol
