cancel
Showing results for 
Search instead for 
Did you mean: 

Multiple Citi Cards

Highlighted
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


Take the myFICO Fitness Challenge
Message 1 of 11
10 REPLIES 10
Highlighted
Regular 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 - $8,500; CO BuyPower - $500; Target MC - $7,000; Chase Amazon Prime - $2,000; Care Credit - $20,000; PNC Core - $7,500; Citi DoubleCash - $6,300 - AmEx Everyday Preferred - $15,000; Citi Simplicity - $21,000; Chase World of Hyatt - $17,300; PayPal LOC - $8,000; PNC Cash Rewards - $25,000

Hidden Trade Lines - Chase Ink Cash - $19,600; Amazon Business Prime - $5,000; Chase Ink Preferred - $10,000; AmEx BBP - $2,000

Total CLI - $175,700
Message 2 of 11
Highlighted
Senior 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
Highlighted
Valued 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
Highlighted
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
Highlighted
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
Highlighted
Established 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.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 7 of 11
Highlighted
Valued 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
Highlighted
Established Contributor

Re: Multiple Citi Cards

These (4) accounts were all cold app in February 2019. Rewards+,Simplicity, and DC not to forget HD.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 6,000
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 10,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 900 Fico 8 Scores EQ=760EX=755 TU=750Scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 9 of 11
Highlighted
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. 



01/2019:
06/2020:

Closed: CareCredit $10K, B&H Payboo $7500
Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.

P.S. I’m a dude, yo!
Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.