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Citi card limit

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clocktick
Valued Contributor

Citi card limit

Is there a limit as to how many Citibank cards one can have?

 

Thanks!

 

 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 1 of 9
8 REPLIES 8
dodgerslv
Valued Contributor

Re: Citi card limit


@clocktick wrote:

Is there a limit as to how many Citibank cards one can have?

 

Thanks!

 

 


I have four (simplicity, aadvantage, premier and prestige). I think i have read that max is 5 but someone can correct me if im wrong.

gardening since 5/21/2016
Message 2 of 9
clocktick
Valued Contributor

Re: Citi card limit

Well I have 5 with them now plus a Shell card (although they sent me a letter saying they're closing the Shell in Feb. if I don't use it).  I was thinking of adding one more...

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 3 of 9
dodgerslv
Valued Contributor

Re: Citi card limit


@clocktick wrote:

Well I have 5 with them now plus a Shell card (although they sent me a letter saying they're closing the Shell in Feb. if I don't use it).  I was thinking of adding one more...


oh, so i guess you can have 5...cool, i am aiming for the the Hilton reserve later this year then...lol. I think there store cards are not included in the max amount of cards you can have with citi. Have you tried calling them and asking? I remember reading somewhere on these boards that 5 was max though.

gardening since 5/21/2016
Message 4 of 9
GeneralCucumbre
Regular Contributor

Re: Citi card limit

Not sure if it is an actual limit on the number of accounts you can have or if it is more like Chase in that they limit the total overall credit that they will extend to you.

AMEX Green Corporate - NPSL | AMEX Everyday - $60,000
Chase Freedom Unlimited Visa Signature - $49,500 | Chase Freedom Visa Signature - $27,300 | USAA Platinum Visa - $26,000
Message 5 of 9
clocktick
Valued Contributor

Re: Citi card limit

They checked EQ for me with that card.  Do you have any interest in the Amex Surpass?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 6 of 9
370Z
Frequent Contributor

Re: Citi card limit

If denied you could offer to close out one of the Hilton cards. Not sure why there's a need for three of them.

EQ8 817 (6/25) EX8 836 (6/25) EX9 849 (7/25) TU8 828 (6/25)
Chase_Hyatt|10k|15.24%|6/13 * Amex_Hilton|10k|13.99%|8/13 * Chase_IHG|10k|15.24%|1/14 * Chase_Ink$|12k|13.24%|5/14 * NFCU$|50k|9.65%|12/14 * Amex_ED|10k|12.99%|1/16 * Citi_Custom$|47k|15.24%|4/16 * Merrill+|70k|12.99%|2/17 * Amex_BB+|26k|15.24%|3/18 * PenFed_Pathfinder|29.4k|17.99%|9/18 * WF_Autograph|25k|16.99%|7/19 * AODFCU_VS|22k|12.75%|4/20 * Chase_Ritz_Carlton|30k|15.99%|10/21 * Amex_BB$|26k|13.24%|8/22 * RFCU_VS|10k|12.00%|6/23 * C1_VX|40k|14.74%|1/24 * CSP|12.9k|15.74%|5/25
Gone: CSP, AA x3, Ink+, Premier, CSR, CFU, CF, AARP, Limitless
Message 7 of 9
clocktick
Valued Contributor

Re: Citi card limit

There's not a "need' for most, if not all, of the cards I have.  Smiley Happy

 

I used the "2-browser trick" for the regular Citi HHH cards (no AF) and they each got approved simultaneously for $15k and I've only seen one inquiry.  I'll take it!  The Reserve I applied for 3 months later (this was all back in 2012).  With all 3 I met the minimum spend and got a boatload of points.  I would gladly close one of them to open another if they prefer.  In the meantime, it's really helping my utilization. 

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 8 of 9
B335is
Moderator Emeritus

Re: Citi card limit

I think Citi having a number of card limits is an urban myth.  I've seen people with more than 10, but I've heard CSRs say "no more than 5" one day and the number changes to 7 the following day from another CSR.  Similar to Chase, I think it's more about overall exposure where one hits a limit.

Message 9 of 9
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