@kdm31091 wrote:
@vwgrrc wrote:Really confused by this...
So I applied for the ThankYou Premier and AAdvantage on 8/4. The TY Premier was instantly approved but AAdvantage was denied with a letter says "multiple applications". I called in and the rep told me to wait for "a while" before applying again. Following someone's advice here to wait at least 8 days, I tried the AA again today (8/24) but was delined. I called app status immediately. The rep told me the reason was "multiple applications" and also told me that I can only applied for 1 Citicard in 6 month.
Is this true? Kinda of feel like been fooled by Citi reps
How is it that the rep fooled you? They said wait awhile, and I'm sorry, but 2-3 weeks of waiting isn't enough....your report has not changed enough in that span of time in most cases to warrant an approval if it was previously declined. I don't know where the "8 days" thing comes from, but to me, that's not true.
Most issuers don't let you get multiple cards in a short span of time. Yes there are exceptions depending on your profile, but generally they want to see history before granting another card. I would give it 3-6 months (6 being preferable) and try again. Just let this one sit, as begging for recon is only going to make you appear desperate since you just got the other card. Just my opinion.
You don't have to wait 6 months AFAIK policy-wise, but it would still be smart to do so.
Its been established that with citi you can not have more than one citi app within 7 days, so people say 8 days to be safe, sometimes there is a bit of flexibility in this by a few days either way although once denied you aren't going to be able to recon it. You can not have more than 2 citi apps within 60 days and people recommend waiting 65 days. This includes denials! Breaking these timelines generally results in an automatic denial for multiple applications. OP had a new card and denial and then a third denial. I see no need for OP to wait six months as it appears the only reason for the denial was multiple apps. OP can apply anytime after 65 days from last denial to be safe. There was no indication from citi that the denial had anything to do with other than multiple apps.
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@core wrote:
@kdm31091 wrote:
I don't know where the "8 days" thing comes from, but to me, that's not true.The 8 days figure he/she mentioned came from this very site. I just checked my older Citi notes and I know I didn't get it from one of those other boards.
What I have down (which is apparently incorrect) is that there is an 8/65 day limit. If you wanted to apply for 3 Citi cards in quick succession, you could get the 2nd one after 8 days and the 3rd after 65. But I don't know whether the 65 is measured from the 2nd or 1st app.
This is from information scoured from old posts. I guess either that has recently changed, or it was never true to begin with. (Wouldn't be the first time of course.) If I had known there was no such limit I'd probably have a Home Depot card by now and be getting 5% off. Too late now. Rats.
I have gotten this same information from other boards where people would know from numerous datapoints and my understanding is it is still up to date.
@core wrote:Then I wonder, how did DrZoidberg manage the following?
"I was approved for a Prestige and Premier 1 day apart. Then got the Hilton card 1 month later."
I can understand how maybe the Hilton wouldn't count. But the other two only one day apart has me scratching my head.
There have been stories of people getting two cards in less than a week, but it is pretty rare. Don't think I have come across someone who got them 1 day apart before. Maybe it has something to do with the fact that premier and prestige are both ty cards, although my understanding was that the rules applied to all citi cards. Its almost as if those two cards only counted one time. No telling but I certainly would not rely on replicating those results if I was going to app.
@vwgrrc wrote:Its been established that with citi you can not have more than one citi app within 7 days, so people say 8 days to be safe, sometimes there is a bit of flexibility in this by a few days either way although once denied you aren't going to be able to recon it. You can not have more than 2 citi apps within 60 days and people recommend waiting 65 days. This includes denials! Breaking these timelines generally results in an automatic denial for multiple applications. OP had a new card and denial and then a third denial. I see no need for OP to wait six months as it appears the only reason for the denial was multiple apps. OP can apply anytime after 65 days from last denial to be safe. There was no indication from citi that the denial had anything to do with other than multiple apps.
Thanks. This is the reason I "dare" to apply for it twice in a short time span, plus the rep in the first call told me there will be no record on my credit file to be deined for this very reason because I was deined for multiple apps, instead of my creditworthiness. But anyway, I'll wait for at least a couple months before dealing with Citi again.
BTW, I'm not desperate for just any credit card. But I admit that now I want AAdvantage so much because I have 10 domestic flights scheduled with AA in September. That's $250 for baggage fee...
Yea, that is one of those times where an airline card can really come in handy.
