Does citibank have some kinda rule similiar to 5/24 for cards that are not citibank? I am not asking about recently picked up citibank cards. I have not gotten a new citibank card in awhile, but I did pick up to two chase cards over the last six months bringing me to 5/24. I'm thinking about going for the AA card signup before it drops back down. Hopefully that card has no ftf so I can use it on an upcoming trip.
In terms of the IHG card from Chase how long after meeting the required spend before the SUB posts? I could probably rush to meet the spend now if it means I will get the SUB before I travel.
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@wasCB14 wrote:IHG was a few years ago for me but IIRC it posted pretty quickly.
I've heard reports of Citi rejecting otherwise strong profiles for even one very recent (as in, within a week or two) inquiry. Not sure how YMMV that is.
So are you saying that if I applied in the past week I am better off waiting to apply? Or are you saying that maybe I should hurry up and apply before the new card shows up on my file? Since you mentioned inquiry I am taking it that it is the prior.
Hmm looking at my credit report I don't see any recent hard pulls. Will chase do a hard pull on a new card app if you already have cards with them?
Citi is extremely inquiry/new account sensitive.
I hit their pre approval thing over the weekend, and was offered nothing.🤣
I've had lots of inqiries and new accounts within the past year.
Citibank is definitely new account/inquiry sensitive although there aren't well-known metrics like 5/24. I'd equate them to about the same as US Bank where more than one or two new accounts in past 12 months, depending on profile, might lead to a decline regardless of other factors. That's one reason I applied to them for the AAdvantage Executive card before other recent applications.
My most recent experience from a Chase SUB (INK Business Unlimited) posted the SUB when the statement balance cut after I had met the spend requirement.
Yes, Chase always hard pulls for new cards, even for existing clients. I've never had the double-pull that @coldfusion referenced but I've heard of it. They've single-bureau, hard-pulled EX on all seven of my applications with them since 2018.
Yes, if you're already 2/6 from new Chase cards, I would suggest waiting to apply with Citi. YMMV but that may be pushing it.
@Aim_High wrote:Citibank is definitely new account/inquiry sensitive although there aren't well-known metrics like 5/24. I'd equate them to about the same as US Bank where more than one or two new accounts in past 12 months, depending on profile, might lead to a decline regardless of other factors. That's one reason I applied to them for the AAdvantage Executive card before other recent applications.
My most recent experience from a Chase SUB (INK Business Unlimited) posted the SUB when the statement balance cut after I had met the spend requirement.
Yes, Chase always hard pulls for new cards, even for existing clients. I've never had the double-pull that @coldfusion referenced but I've heard of it. They've single-bureau, hard-pulled EX on all seven of my applications with them since 2018.
Yes, if you're already 2/6 from new Chase cards, I would suggest waiting to apply with Citi. YMMV but that may be pushing it.
I just crossed over six months since one of the two chase cards. Problem is I can't wait too long because the SUB isn't gonna stay around. I also picked up a citibank credit card 3-4 months ago but that was a business card. For this purpose are they mainly looking at personal card apps or will they hold business apps against me as well. In the end if I want the SUB I'll just need to pull the trigger. Worst that can happen is another inq and a denial. Don't have any other cards I'm eager to go after anyway.