Posted by Chuck on August 12, 2016
Credit Cards

Published on August 12th, 2016 | by Chuck

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Apply for Citi Cards until August 28th under the Old Terms

Citi recently put new language in the terms for signup bonuses that groups all products of the same family as one for signup bonus restrictions, leaving us to getting just one of the group per

I reached out to our Citi media contact to verify when the new terms went into effect.

She got back to me clarifying that they haven’t yet gone into effect. They’ll start on August 28th.

This change will take effect on August 28

If you recently opened a Citi card or closed a Citi card, and there’s a card from the same family with a nice signup bonus, it makes sense to apply now before the new rules go into effect on August 28. Once the new terms go into effect, it will be a two-year wait before you can get the bonus on a card from the same family.

Just remember that Citi does limit us to applying for one card per 8 days and two cards per 65-days. Don’t forget that in your haste!

Useful Related Posts:

Unfortunately, the Premier card doesn’t currently have a signup bonus.



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Tim
Tim

Does the 2/65 limit also include business cards, or just personal?

William Charles
ted
ted

got mailers at home, and they don’t expire until later this year. will they be impacted after 8/28?

William Charles

Not sure, sorry.

Bob
Bob

This means everyone can apply for the CSR on 8/21 and still get one more Citi card before these rules take effect.

James
James

Citi’s 8/65 rule only applies to Citi cards.

dan
dan

meant 2/65?

dan
dan

nvm james, u meant 8 & 65 days rule

Glenn
Glenn

I think what he *might* have meant is that if you want to wait to apply for anymore cards until AFTER the CSR on 8/21 so as to stay under the 5/24 rule for Chase, which is presumed to apply to this card (except that he says “everyone” when presumably most of us aren’t under 5/24), then you can still apply for that Citi card AFTER that and before 8/28. Maybe.

Bob
Bob

Yeap. And I mean everyone because everyone is hoping that 5/24 won’t apply to the CSR.

John
John

Is the Citi representative of a level that even if the landing page has the new rules, you would go ahead and apply believing old rules apply?

W
W

This is my concern too since the T&C have been updated.

Mark O
Mark O

My questions too! It is written the other way so it seems like a big gamble to me.

William Charles

It’s a risk, personally I think it’s worth it but up to you. It’s directly from their media department and they are usually careful about what they say before sending us information.

Ian
Ian

Reminds me of when Chase United bumped up the bonus offer from 30 or 50k to 70k miles in June or July ’16. SM requests for upgrades were denied (there was DP SM requests worked; but more days into the offer, there were more decline for bonus bumps.)

brian
brian

This is confusing cause on the landing page it mentions the “American Airlines AAdvantage® bonus miles are not available if you have had any Citi®/AAdvantage® card (other than a CitiBusiness®/AAdvantage® card) opened or closed in the past 24 months.” but it doesn’t state August 28. How do we confirm this?

Ted
Ted

Trust ….. There will be someone willing to try and they usually report back with the results once the tracker shows up.

Raj
Raj

Agreed, this is confusing. Did you ask your contact why the terms already show the new language?

William Charles

No we haven’t. I guess they want everything in place and working before the cut off date.

johnny
johnny

any must have citi cards to get before this change? opinions welcomed. i plan to give CSR a go on 8/21 so i would throw a citi card in but i have no real need for any. i already have a citi double cash from feb 2015 and a premier from feb 2016. should i put in an app and if so which card? or should i just not force it

brian
brian

what does CSR mean?

Srsly
Srsly

Are you serious?

mastervk
mastervk

Chase Sapphire Reserve _Will be launched on 8/21

Glenn
Glenn

As always it depends on your situation. IF you want some more TYP points, AND you would use them at the 1.6 rate of the Prestige rather than your current 1.25 AND you would do it before next July when the Prestige devalues THEN you might want to apply for a Prestige card now. BUT it’s got a high annual fee and you MAY not be able to get the value out of it to justify that.

Etc. Do you have any use for more AA miles, more HH points, etc? Do you have the spend? Do you have other places to put it that work better for you?

NinjaX
NinjaX

love all the comments here… just goes to show why this happens…

Gary
Gary

Because people don’t know how do shut up? Not too much of that here.

NinjaX
NinjaX

yuup…

Bodiddely
Bodiddely

What I wouldn’t give for a working Premier link!

bellevuemike
bellevuemike

Same thing for the Hilton cards. The new restrictive language is present.

Would be nice to get real confirmation.

Tom
Tom

Any idea if the AT&T Card, which is also based on Thank You points, is considered part of the Premier/TY family?

William Charles

It isn’t according to the current fine print. I suspect if it’s added to AT&T, it’ll be for the AT&T brand of cards.

Guy
Guy

Would love clarification on the effective date, as others have mentioned above, the language is on all new online applications right now

Dom
Dom

I just got a targeted email offer for Citi AA spend $750 in 3 months for 30k, spend $5k in 6 months for additional 10k. It doesn’t have the new terms and expires Sept. 15.

Joe S
Joe S

Same

William Charles

Nice, hopefully this still works!

Abey
Abey

Everything can be so much better
And it would be BREAKING NEWS
If downgrading your citi card doesnt count
As an open or closed account within 24 months.
Just for an example Four months ago
I downgraded Citi AA Platinum into Citi AA Gold
So if downgrading doesnt count then i could apply for Citi AA Executive in 8 months since its 24 months from when i opened the Platinum
But If downgrading does count then i better apply before 8/28 for the Exectutive or i will have to wait 20 more months.
So its a huge game swinger if a downgrade resets the clock or not.

(by the way not sure where to write this
But i wanna share
SOMETHING VERY USEFUL FOR YOU
I curently have 8 Chase personal cards
Freedom, sapphire, ihg, hyatt, marriott, southwest, fairmont and united.
The sapphire and united i downgraded a few months ago.
Then i applied for the new chase freedom unlimited but i got a letter that i was denied because of too many credit inquiries and too many credit card applications.
TODAY Just for the heck of it, as i was bored and anxious i applied for the new Ritz Carlton card.
And gues what! i couldnt believe it myself.
I GOT APPROVED!!!
And thats my 9th personal open card with Chase!

Now that i calmed down i wonder if i can push the envekope for the Chase Sapphire Reserve or thats pushing it to a whole new level…

I do wanna add that when i downgraded my Chase United a few months ago, i also asked to lower the credit limit from 10K to 1K because i felt that im reaching or reached the limit of overall credit chase would approve me for and i might have a better chance for another card if i have a lower overall credit. But it didnt work to get approved for the freedom unlimited so that is still a mystery if it helped for the Ritz Carlton.

italdesign
italdesign

Ritz Carlton card is not subject to 5/24.

Raul
Raul

LMFAO. Had to burst his bubble didn’t ya. Poor guy thought he had stumbled onto something.

NinjaX
NinjaX

just shows you the number of n00bs flooding this game… its a serious headache…

ed
ed

The way the comment by Abey is formatted I thought it was a poem. 🙂

joe
joe

I received a Citi AA plat. card in Feb. was automatically changed to world elite shortly afterwards and received 50k bonus. If I apply for the Citi AA plat. again will I get the bonus? TIA

William Charles

Haven’t been keeping up on that loophole, sorry.

Lynn
Lynn

I think flyertalk says that loophole is closed

fathiss
fathiss

Thanks for the heads up. I already have the Hilton Hhonors card but was able to pick up the Hilton Hhonors reserve last night. Had to call in as usual, but was approved after about 10 minutes.

W
W

When did you get your no fee Hhonors? Do you qualify for 2 free nights from Reserve?

dan
dan

lol, if the new language was on the appl, confirm in writing if u will get the sign-up bonus for the reserve

PG
PG

And let us know here!

fathiss
fathiss

Lmao, written proof? When did cc issuers start giving written confirmations of bonuses in approval emails? You must be new to this. They did confirm to me on the phone I would receive the $100 statement credit after spending $100 at a Hilton, and I would receive two free nights (I think weekend nights) after spending $2500 on the card. I think I can rely on it. Besides, my comment was to offer my thanks for the heads up, that’s all.

William Charles

They gave lots of people confirmation (SM + phone) about the Citigold bonus previously, don’t see why it’s ridiculous for this.

fathiss
fathiss

Your experience is different than mine. I get approved for 20+ cards per year between me and spouse from different banks and have never been given a written confirmation email of the bonus. Only over the phone. Can you show where you have gotten a written confirmation of the bonus in the past from Citi?

jon
jon

Datapoint that I was able to get approved for the Citi Hilton Hhonors card today even though I was approved for the Hhonors Reserve approximately a year ago. The new language was on the application and I plan to get written confirmation. I did that with the Citigold bonus earlier in the year and it came in handy. Fingers crossed…

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