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Multiple Citi Cards

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huzchris
Valued Member
‎07-17-2019 11:50 AM
‎07-17-2019 11:50 AM

Multiple Citi Cards

How long between new Citi accounts before you can get another account?  I just got the Rewards+ card about a month and a half ago.  I wanted to app for the Costco card but not sure how long I will need to wait? Anyone in-the-know on this?

Starting Score: 486
Current Score: 775
Goal Score: 850

Take the myFICO Fitness Challenge

|| NFCU CashRewards $19K || Amazon Prime $11K || PenFed PowerCash Rewards $17.5K || Citi Costco $8.1K || Discover Chrome $8K || AmEx BlueCashPreferred $5K || Citi Rewards+ $2.3K || Apple $2K || AmEx Green || CAL Ranch $13.1K || Sportsman's Guide $4K || Fingerhut $1.6K ||
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Message 1 of 11
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rgate88
Regular Contributor
‎07-17-2019 12:10 PM
‎07-17-2019 12:10 PM

Re: Multiple Citi Cards

1/8 and 2/65 is the last I knew. So you're probably in the clear to do so if those rules are the same. 

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $36,000; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000


Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $5,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $9,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Delta Platinum Business - $16,400; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000


Total CLI - $399,900
Message 2 of 11
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Anonymous
Not applicable
‎07-17-2019 12:22 PM
‎07-17-2019 12:22 PM

Re: Multiple Citi Cards

IMO, I would wait it out the 6 months that they like to see. It gives you time to use the card and allow for them to get to know you and your spend. Thus benefiting your next app with them, in additon to improving your score. Apping too soon can often just add another card with fairly low limits. Unless you got a decent SL with the Rewards+ card. 

Message 3 of 11
Anonymous
Not applicable
‎07-17-2019 12:34 PM
‎07-17-2019 12:34 PM

Re: Multiple Citi Cards

https://www.reddit.com/r/churning/comments/67u9q0/guide_antichurning_rules/

 

This discusses the nuances of the major CCC's.

Message 4 of 11
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Anonymous
Not applicable
‎07-17-2019 04:32 PM
‎07-17-2019 04:32 PM

Re: Multiple Citi Cards

I just got two Citi AA cards fifteen days apart. My 6th Citi in last year. Go for it.
Message 5 of 11
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kdm31091
Super Contributor
‎07-17-2019 05:20 PM
‎07-17-2019 05:20 PM

Re: Multiple Citi Cards

The widely known rule is 8/65, which are no more than 1 app in 8 days and no more than 2 in 65 days. Since this would only be your second app in a couple months you would be fine. Doesn't mean it is necessarily the right time to app depending to the rest of your profile, but as far as actual app restrictions you are fine.

Message 6 of 11
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SFLSpotter9210
Valued Contributor
‎07-18-2019 11:39 AM
‎07-18-2019 11:39 AM

Re: Multiple Citi Cards

Just an fyi I appd for 4 citi cards within 12 days and approved for all 4. I had 1 inquiry from Chase a year ago January 2018. These were all approved in February 2019. And they pulled EX, EQ for me. My scores if I recall were EQ 700+ and EX 650+. These were FICO 8 scores. Good luck go for it.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 7 of 11
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Anonymous
Not applicable
‎07-18-2019 11:45 AM
‎07-18-2019 11:45 AM

Re: Multiple Citi Cards

@SFLSpotter9210 wrote:
Just an fyi I appd for 4 citi cards within 12 days and approved for all 4. I had 1 inquiry from Chase a year ago January 2018. These were all approved in February 2019. And they pulled EX, EQ for me. My scores if I recall were EQ 700+ and EX 650+. These were FICO 8 scores. Good luck go for it.

Now, that's possible if 2 were DSNB like your HD card.  The co-brands that show under DSNB don't fall under the same rules for UW / Approvals.  So, if you PC'd one of your R+, DC, Simplicity from something else that would make sense.... especially since R+ hasn't been around that long.

Message 8 of 11
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SFLSpotter9210
Valued Contributor
‎07-18-2019 11:49 AM
‎07-18-2019 11:49 AM

Re: Multiple Citi Cards

These (4) accounts were all cold app in February 2019. Rewards+,Simplicity, and DC not to forget HD.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 9 of 11
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Anonymous
Not applicable
‎07-18-2019 11:52 AM
‎07-18-2019 11:52 AM

Re: Multiple Citi Cards

@SFLSpotter9210 wrote:
These (4) accounts were all cold app in February 2019. Rewards+,Simplicity, and DC not to forget HD.

You definitely slipped through the UW cracks there. Your thick file probably had something to do with that. 

Message 10 of 11
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