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Multiple Citi Cards

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Valued Member

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?




src="http://ficoforums.myfico.com/html/assets/challenge.png">Starting Score: 498
Current Score: EQ 677 TU 688 EX 692
Goal Score: 800 across the board


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Message 1 of 11
10 REPLIES 10
New Contributor

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 Platnium - $500; CO Quicksilver - $5,500; CO BuyPower - $500; Target MC - $5,000; Chase Amazon Prime - $2,000; Care Credit - $14,400; PNC Core - $3,500; Citi DoubleCash - $4,300 - AmEx Everyday - $5,000; Citi Simplicity - $17,000; Chase World of Hyatt - $17,300; PayPal LOC - $3,750

Total CLI - $78,750
Message 2 of 11
Valued Contributor

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
Established Contributor

Re: Multiple Citi Cards

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

 

This discusses the nuances of the major CCC's.

500K+ TCL / 800+ FCOs
Message 4 of 11
Valued Contributor

Re: Multiple Citi Cards

I just got two Citi AA cards fifteen days apart. My 6th Citi in last year. Go for it.
More cards than I can mention in a signature.
Message 5 of 11
Super Contributor

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
Frequent Contributor

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.
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple 1k
Citi Rewards+ 6,100
Citi Double Cash 8,300
Citi Simplicity 1,500
Home Depot 1,000
Discover 7,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 Fico 8 Scores EQ=690 EX=670 TU=666 Scores and CL current as of 7/24/19 AAoA=7yr6months AoOA=17yrs
Message 7 of 11
Established Contributor

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.

500K+ TCL / 800+ FCOs
Message 8 of 11
Frequent Contributor

Re: Multiple Citi Cards

These (4) accounts were all cold app in February 2019. Rewards+,Simplicity, and DC not to forget HD.
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple 1k
Citi Rewards+ 6,100
Citi Double Cash 8,300
Citi Simplicity 1,500
Home Depot 1,000
Discover 7,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 Fico 8 Scores EQ=690 EX=670 TU=666 Scores and CL current as of 7/24/19 AAoA=7yr6months AoOA=17yrs
Message 9 of 11
Super Contributor

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. 


Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 10 of 11
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