Posted by Chuck on December 13, 2016
Credit Cards

Published on December 13th, 2016 | by Chuck

131

Citi 24-Month Churning Rule Explained in Detail

Citi has a rule that once you get the signup bonus on a credit card, you can’t get it again within 24-months.

We often get questions in the comments section from people trying to understand the nuances of this rule so I thought I’d explain it here as clearly as possible.

The Rule Explained

The rule applies to all Citi cards including American Airlines, ThankYou, Hilton, and Expedia. Here’s an example of the rule as it shows on ThankYou cards:

Bonus ThankYou points are not available if you have had ThankYou Preferred, ThankYou Premier or Citi Prestige cards opened or closed in the past 24 months.

There are three parts to the rule:

  • Basic rule: Citi has a rule that if you were approved for a credit card, you won’t get the signup bonus again if you apply within 24-months of the first approval.
  • Card grouping: Citi groups all cards within one ‘family’ as if they are one card. For example, the ThankYou Prestige, Premier, and Preferred are considered as one card. So if you open a Preferred, you won’t be able to get the bonus on the Prestige for another 24-months.
  • ‘Open or close’: Citi resets the clock both with the open/approval date of the card and the close date of the card. This part is a bit nonsensical. Essentially, if you have a card open for 24-months, you can readily get the bonus again, but if you close the card you’ll have to wait 24-months before getting another bonus. Just accept this as a fact of Citi life.

The ‘open or close’ part is what most often confuses people.

 Q&A

Card Doubles

1) If I apply for a card in July 2017, can I apply for the same card in August 2019 while the first card is still open and get the bonus?

Yes, since you haven’t opened or closed the card within 24-months you are eligible for the bonus. Note, there’s no guarantee Citi will approve someone for a second card of the same version as the one they currently have. Many people have had success holding multiples of the same card, especially with AA cards, but no guarantee that can’t change or that this applies to all cards.

Card doubles (business)

2) Is that true for Citi business cards as well – can I have two of the same card, concurrently?

No, the terms indicate that a single business can’t hold two of the same card, and Flyertalk confirms the same. So you’ll have to close the card, wait 24-months from close, then apply again to get a second bonus.

Workaround

3) Is there any way around the 24-month rule?

You might occasionally bump into a targeted offer or pre-qualified offer which doesn’t have the 24-months verbiage. I you do, go for it!

Downgrades, downgrades

4) What happens if I downgrade a Citi card? Does that reset the clock as if you closed it?

Good question, and a very important one. I tried to clarify this issue with Citi but haven’t had success. You can see this post for a discussion on this topic.

The Flyertalk wiki writes that AA cards which are downgraded/product-changed do reset the 24-month clock, whether the downgrade is within the same card family (e.g. AA Platinum to AA Gold) or outside the family (e.g. AA to ThankYou). Frequentmiler puts forth the theory that product-changes within the same brand might not reset the clock, only product-changes outside the family cause a reset.

TPG heard from Citi that downgrades do not reset the clock provided it keeps the same card number. Read more in this post about which cards get new numbers and which ones keep the same.

Didn’t receive bonus

5) What happens if you open or close a card but never got get the signup bonus (e.g. I didn’t meet the minimum spend)?

The language is pretty clear that you will not be eligible for the bonus in this case since you have ‘opened or closed’ the card within the past 24-months. That said, we don’t have any actual data points as to how Citi acts in this case. It’s definitely worth assuming that you won’t get the bonus.

Business cards

6) Does the 24-month rule apply to Citi business cards?

Yes, but business cards are considered separately and don’t combine with personal cards. So if you get a Citi personal ThankYou card you can still get the bonus on a ThankYou business card within 24-months and vice versa.

Calculating the date

7) How do I calculate the exact date of a new card?

The important date here is the date the card was approved, not the date you applied, nor the date the bonus was received.

(If you apply for a new card after 24 months while still holding the old card, and you subsequently close the old card immediately after approval of the new card before the bonus on the new card posts, the bonus will probably still be attached to your account based on the date of approval, and we have one report backing that up as well. To be safe, wait until after you receive the signup bonus on your new card before cancelling an old card.)

Examples

Scenario 1 (two similar examples)

  • I open a Citi ThankYou Premier card in March 2017. It’s now April 2019 and I still have the card. I can now apply for another ThankYou card and get the bonus. I can apply either for the Prestige or Preferred card. I can even apply for a second Premier card, and if approved I’ll get the bonus. (But there’s no guarantee Citi will like approving someone for duplicates of the same card, as discussed above.)
  • I open a Citi AA Platinum card in March 2017. It’s now April 2019 and I still have the card. I can now apply for another AA card and get the bonus. I can apply either for the AA Executive or AA Gold card. I can even apply for a second AA Platinum card, and if approved I’ll get the bonus.

Scenario 2 (two similar examples)

  • I open a Citi ThankYou Premier in March 2017 and I close it when the annual fee becomes due in March 2018. I have to wait until March 2020 before getting the bonus on any ThankYou card.
  • I open a Citi AA Platinum in March 2017 and I close it when the annual fee becomes due in March 2018. I have to wait until March 2020 before getting the bonus on any AA card.

Best Application Practices

Given that the 24-month rule resets with both opening and closing a card, the best way to maximize Citi bonuses is by trying to time your card closures along with an application. For example, if you last opened the Premier card in August 2015, keep it open until August 2017 and apply for the Prestige card. After being approved for Prestige, close out the Premier card to save the annual fee. (You can probably close right away, though it might be worth waiting until the bonus posts on the new card, if possible.)

Of course, this strategy won’t always work, depending whether you’re willing to pay the annual fee.

See Strategies For Dealing With Citi’s New Application Rule for more info, and see 17 Things to Know about Citi Credit Cards for general info on applying for Citi cards.

Aside from Citi’s rule for giving signup bonuses, they also have rules as to how many cards you can signup for total (8/65 rule), irrespective on the bonus. We discuss that rule in detail in a separate post.



131 Responses to Citi 24-Month Churning Rule Explained in Detail

  1. David says:

    what about citi business cards? same rules?

    • Brandon French says:

      Ditto on this. I just got a business AAdvantage card but it’s been less than 24 months since my last personal card :\

    • Chuck says:

      David, as discussed in the post, business cards also have the 24-month rule, but it’s counted separate from personal cards.

    • No offence, but did you actually read the post? Chuck mentioned business cards multiple times and how they are affected.

      • Dave says:

        William – Am I blind as a bat? The first thing that popped in my head was about businesses but in all seriousness, I didn’t see it mentioned in Chuck’s post from today either? I even used Ctrl F to search for the word “business” Anyhow Chuck’s comment has me straightened out above

        • [Is that true for Citi business cards as well – can I have two of the same card, concurrently? No, the terms indicate that a single business can’t hold two of the same card, and Flyertalk confirms the same. So you’ll have to close the card, wait 24-months from close, then apply again to get a second bonus.]

          Does the 24-month rule apply to Citi business cards? Yes, but business cards are considered separately and don’t combine with personal cards. So if you get a Citi personal ThankYou card you can still get the bonus on a ThankYou business card within 24-months and vice versa.

          From the article above when I ctrl+F for business. Sorry I wasn’t trying to sound rude but it just seemed like a lot of readers didn’t read the article at all and asked questions before reading when Chuck had put time and effort into answering questions in the post.

          • Brandon French says:

            Haha no worries about sounding rude. It’s deserved sometimes. I kinda want to blame this on a partial posting though. I swear it was kind of a stub when I read it this morning. Now it’s longer…

          • Maybe Chuck edited it between when you wrote your comment and I replied :), we can blame him if you like haha.

  2. TheBigEasyTraveler says:

    Excellent work as usual. Thank you for all the details.

  3. Ben says:

    Hey Doc,

    Good post as usual. One question. I opened a premiere card in May 2015 and a prestige card in August 2015. If I close my premiere card in May 2017, will that affect my ability to get another prestige card in August 2017. I confused as to how the 24 month rule and the card family rule work together.

    Is the rule if I close any card within a card family, then I cannot get the bonus again for 24 months? Or does that only apply to the specific card itself. Thanks.

  4. Ender says:

    What about product change? Would this be considered as open/close?

  5. Dan says:

    You are the king of this community. Thank you for the info on business cards. I got my AF waived and I was going to hold it for a year to be able to get the bonus again, but now I know that I have to close it and wait 2 years since they wouldn’t give me a second one…unless I just use a different business name with these same SSN?

  6. projectx says:

    Outstanding post.

    One question on personal/business cards. I understand Citi’s rules to be only one application every 8 days, and no more than two applications every 65 days. Does this rule hold true if you’re getting a mix of personal and business?

  7. savemesf says:

    Since the AT&T Access card earns TY Points, what are the odds it is considered the same family as Prestige / Premier / Preferred?

  8. Lantean says:

    this is great. thank you.

    i recently did PC from Premier to Preferred… and they issued a new card number.
    so I am guessing it counts as an open/close?

    Thanks.

  9. jcb says:

    Thanks for this. Would like to see the answer to the product change as well.

    Do you have DPs on which cards they don’t mind issuing a second one while the other is active? I’d assume it’s better to downgrade if that doesn’t reset the clock.

  10. Rob says:

    Seems it would be best to get a card, wait two years and then get a second card at the same time you close the first card. This way the clock would reset at the same time for the closing of the first and the opening of the second.

  11. Dave says:

    A lot of people asking about downgrades/product changes, DoC mentions in his post that FT is saying that these do reset, but I don’t think there are enough datapoints to form a firm conclusion on this matter. Maybe those of you who are pondering a new application can try?

  12. Alex says:

    Do these rules apply to cards approved before the rule was in effect?

  13. Master Allan says:

    Excellent Post.

    Same question as Alex above but if I guessed on the answer I say Yes the rules apply. A shot in the foot for Citi. I intend to replace my AMEX Plat with a competitor premium card. No incentive for a Citi Prestige because early last year I opened and regularly use a ThankYou Preferred? Hello Chase Sapphire Reserve, my new card.

    • Glenn says:

      Citi will be very upset they lost another churner.

      • Master Allan says:

        My comment has nothing to do with churning nor did you comprehend my statement before spewing replies. I’m a current customer of AMEX considering another brand with additional value to support my premium travel lifestyle. I cannot (or should not) replace my AMEX with the Prestige having opened a Preferred card 12 months ago. So I’ll review the offerings from Chase. Bonuses are incentives for business relationships. I would not even accept a new job if there were no improvements compared to my current.

  14. Debbie says:

    Citi close my husband’s HH account due to non use. We were only a few months away from our 24 month waiting period for a new one. I am assuming that they have just reset the clock on us! So, a warning, if you are waiting out the clock, at least put some spend on the card so that Citi doesn’t cancel the it :-(.

  15. Nick says:

    Does product changing, restart the clock as well?

  16. caleb kurtz says:

    Confirmed with Citi, a downgrade DOES NOT reset the clock. I am going to downgrade my AA Platinum to the no AF bronze card today.

  17. Biggie F says:

    I may have missed it, but I see no mention of AU status. Can I assume that openings and closings of cards where one is an authorized user are irrelevant for timing resets? This can make a big difference when one is playing a “two-person” game, e.g., trading back and forth annually (hence every 2nd year as primary) on the AA Executive card, to maintain AA lounge access.

  18. Joe Shapiro says:

    2 questions:

    For some reason, Citi is sending me an AA Platinum offer each month by email with no language that bypasses the 24 month rule (I have 2 currently and got bonus on both). They just sent me a new one yesterday – can my wife and I both signup using this link, and if 2 people can’t, can just my wife use the link, or is it somehow shown in their system that it was sent to me and not her.

  19. Meghan Mason says:

    How long do you need to have the card to downgrade? I was thinking of downgrading ASAP after getting the bonus.

  20. Chris P says:

    I’m assuming that since I closed my AA Citi Exec card and product changed to a TY Preferred July 2016, I’m not only not eligible for a bonus from any AA card, but also any Thank You points card? (I was okay with the AA part but didn’t foresee the potential TYP implications at the time…)

    Do we have an data points on this yet?

  21. Mod says:

    So, I just checked my pre-qualified offers on Citi’s website and the Citi AA card pops up. However, after scouring the webpage and reading all the T&C I can’t see anything about the 24 month language. I did open the same AA card back in January, so I’d love to get it at 50k again.

    If I can’t find anything about being disqualified because of the 24 month rule, am I safe to apply?

  22. Raul says:

    So what about citi hilton cards? Only ask because they don’t both offer points. One offers points the other offers free nights.

    • Raul says:

      Nevermind, just checked out the T&C and it says ineligible if you have had any citi hilton honors card opened in the last 24 months.

  23. I don’t think Chase will introduce a third Ink card, especially after just releasing Ink Preferred. It replaced Ink Plus and they phased out the third Ink Bold card, which was a charge card. I doubt they’d offer a 100k sign-up when Preferred already comes with 80k, would cannibalize a bit imho.

    Keep up the great work in 2017!

  24. John H says:

    My wife had an AA Platinum Select that we cancelled in 4/16. She gets a mailer for getting a new card from AA for 50K. She applies and does minimum spend, but they would not give her points saying it had not been 2 years.

    We had a couple Aviator cards that we cancelled in 2/16.

    I had a AA Gold which I closed in 5/16.

    Any suggestions on getting those points for my wife? What other AA cards should we be getting?

  25. sirtheta says:

    Looks like business cards are no longer mentioned. Would be nice to have them back in 😛

  26. John H says:

    If I downgrade from Prestige to Preferred, do I lose my Prestige points after a certain date?

  27. Ben says:

    Did the part about Business cards get deleted from the post?

    • Chuck says:

      I still see it there?

      • Matthew says:

        I don’t see the part about business cards anywhere in the post, Chuck. William posted this from your post, but it’s no longer there, and I can’t find one mention about business cards except in the comments, which is confusing. “Is that true for Citi business cards as well – can I have two of the same card, concurrently? No, the terms indicate that a single business can’t hold two of the same card, and Flyertalk confirms the same. So you’ll have to close the card, wait 24-months from close, then apply again to get a second bonus.”

  28. Donald Flowers says:

    Is there a link for the 50,000 AA biz without the 24 month language?

  29. Master Allan says:

    Not encouraged with a pending annual fee this morning I downgraded my Citi TY Premier to a Citi TY Preferred. The CSR specifically said “convert”, never saying the words open and close. It was a real easy process and I noticed the card type changed in my online Citi account from Premier to Preferred within seconds of hanging up (wow). Same card number. Same billing dates.
    I’m thinking of a Citi Prestige card this time next year for some expenditures but didn’t want to pay the annual fee for my old premier another 365 days.

    • Master Allan says:

      If no one else, I’ll be providing the datapoint Spring of 2018! From what I experienced I would be really surprised if the open/close/start/stop clock has reset for me.

  30. John says:

    If I close a Citi personal AA card do I have to wait 24 months before I’m eligible for the bonus on a Citi AA business card? I am recently closed a personal card and was considering applying for the business card.

  31. Matt says:

    my annual fee for second year just came up on my citi premier. no retention offers.

    if i apply for a citi prestige and get approved, do i need to meet min spend and get the points before cancelling the premier or am i ok to cancel the premier once the prestige is approved?

    • Chuck says:

      If this is one year since you got Premier, then you are not eligible for another year. If it’s 24 months since you got Premier, you can cancel it as soon as you are approved for Prestige.

      • Jeeves says:

        Oddly I just got approved (actually a family member) for a Prestige with a year old premier with pending AF. This would technically be against their new rules it seems. I’m on the fence about paying the AF on the older Premier. I was going to pay it in order to be able to open another one in a year after hitting 24 months, but if the rules ‘catch up’ or are more strictly enforced in a years time they could easily say i had opened the Prestige a year ago. For those interested it was an auto approval. I’m guessing since it is the promotional 75k period with the prestige they may bending the rules slightly to increase sign ups. Gunna sleep on it till last possible minute but i’m leaning towards downgrade to Preferred. Have a good one everybody, thanks for the great work.

  32. bostonwalker says:

    applied the citi AA platinum 60k offer, got approved and the welcome letter mentioned the bonus. However, just remembered i closed a citi AA executive card within 24 mon window. Messaged csr and they said the bonus is attached to my account (i didn’t dig too much about the closing another AA card within 24 mon). Do i have chance to get the bonus? Is the 24 mon rule strictly enforced? I plant to spend $3k anyway, just to see my luck. Will report back the result.

  33. Mlh says:

    Convoluted question – Opened AA Biz 10/2013, PCed to no AF TY Biz 11/2014, closed 4/2017. Am I eligible?

  34. Matt says:

    Please Chuck or William… help me with this question on Citi 24 month rule. I am pretty sure you have not addressed it and I really would love some data points that you have seen so far…

    Does the “24 month” count backwards from the date of the new application or from the date of bonus posting date? This is important because if one just closed old card immediately after getting a new card, the new card’s bonus might not post because technically you just closed old card just couple weeks/months from the bonus supposed posting date even though the closure of the account is after new card application.

    • Chuck says:

      It’ll go by the date the card was approved, not when bonus was received. (I think that was your question.) Maybe I’ll add that in.

      • Matt says:

        Uh… I am not sure if you got my point. Let me give an example:

        6/5/2015 – old citi premier opened.
        7/2/2017 – new citi premier approved and opened.

        Now if I close old citi premier on 7/3/2017, will I still get the bonus from new citi premier when I finish spend and getting bonus, let’s say on 9/1/2017??

        Will they say, “well, technically you closed citi premier on 7/3/2017 which is still within 24 months of 9/1/2017? How do they count 24 months? Is it counting backwards from 9/1/2017 (the date of supposed new bonus posting) or Counting backwards from 7/2/2017 (the date of the new card application)?

        Citi’s language is just vague…
        “Bonus ThankYou points are not available if you have had ThankYou Preferred, ThankYou Premier or Citi Prestige cards opened or closed in the past 24 months”

        To be safe, I guess I could delay closing my old premier until after 9/1/2017. Downside is just delaying the 24 month clock.

        I am hoping that someone can help provide some data points on this! Maybe Chuck or Will saw some data points somewhere. No blogger clarified this so I thought I should ask…

        • According to the fine print you would not be eligible for the bonus. I don’t know if it makes a difference when you opened the card or if they look at your eligibility when the bonus posts.

          • Matt says:

            You said: “According to the fine print you would not be eligible for the bonus.I don’t know if it makes a difference when you opened the card or if they look at your eligibility when the bonus posts.”

            Will, thank you for helping me but I really want you to clarify your comment as I believe you do not quite understand my situation. I really would like to know what made you believe that I would not be eligible for the bonus?

            My thought was-
            6/5/2015 (old premier open date) is more than 24 months away from 7/2/2017 (new premier open date) – I should get bonus if they count 24 months from when I signed up for new premier to get its bonus. Therefore, closing old premier on 7/3/2017 WILL NOT invalidate bonus posting from new premier on 9/1/2017.

            However, if they count 24 months from when I supposed to receive bonus from my new premier card 9/1/2017 (like if they look at my eligibility right when the bonus posts), then my hypothetical closing date of old premier on 7/3/2017 WILL INVALIDATE receiving the bonus on 9/1/2017 (less than 24 months apart). If this is the case, I should not have closed my old premier on 7/3/2017, a day after being approved for new premier. I should have waited for new premier’s bonus to post on 9/1/2017 before closing old premier– so maybe on 9/2/2017.

            Uh… I hope I made it clearer about my question and my thought process. Again I really appreciate you guys jumped right in and helped your reader on important questions as always. 🙂

          • You’re not eligible for the bonus if you’ve OPENED or CLOSED the account within the last 24 months. If you close the account on 7/3/2017 then you won’t not be eligible until 2019 according to the fine print. The question is if they check your eligibility when you apply for the card or when you qualify for the bonus.

          • Matt says:

            My previous post is still waiting for moderation but my question in short:

            When does Citi’s system determine the bonus eligibility and start to count back 24 months? Does that happen on initial card application date, 7/2/2017 new premier open date like above situation or On the day when they are about to award bonus, 9/1/2017 the above hypothetical tentative bonus posting date from new premier?

          • I assume it’s account opening date, it’s possible it’s application date but I doubt it.

          • Chuck says:

            Matt, if you want a guess, I’d guess that you will get the bonus as it gets fixed at time of signup.

          • Matt says:

            Will, you said “You’re not eligible for the bonus if you’ve OPENED or CLOSED the account within the last 24 months. If you close the account on 7/3/2017 then you won’t not be eligible until 2019 according to the fine print. The question is if they check your eligibility when you apply for the card or when you qualify for the bonus.”

            Will, if you could see the detailed example I gave previously, you will know that my new premier open date is on 7/2/2017 which is a day BEFORE I closed my old premier on 7/3/2017. So, my question was whether I will get bonus from my new premier with open date on 7/2/2017. Almost all bloggers will say yes so I was puzzled why you said no. However, my ultimate question is more picky than that.

            I believe that Chuck got what I was asking. He replied “Matt, if you want a guess, I’d guess that you will get the bonus as it gets fixed at time of signup.” I dont think any blogger has addressed this so that’s why I really wanted some data points.

            My ultimate question – whether bonus eligibility get fixed at time of sign up or is it dynamic i.e. they will check again and continuously if you have closed or opened any previous premier card the past 24 months just on the day they are about to award the bonus points. If the process is dynamic, then closing old version of the card just a day after new card application will still prevent us from getting the bonus.

          • I think I answered your questions in my reply. According to the fine print you would not be eligible if you close your premier on 7/3/2017, even if you opened the new card before closing the old one. The question is whether the fine print is enforced as written or if they check your eligibility when you open the account (basically your final question). The answer to that is I don’t know. I would just keep the old account open until the new bonus posts.

          • Matt says:

            Thank you, Will. I thought you did not understand my question but you actually did!

            Most bloggers and Chuck recommended that people can close old account immediately after new card approval. I am not saying this is right or wrong as we still need more data points on this.

            Since you (Will) and I take the conservative stance on this, it will be nice if you or Chuck could probably reword the section on Best Application Practices: “Given that the 24-month rule resets with both opening and closing a card, the best way to maximize Citi bonuses is by trying to time your card closures along with an application. For example, if you last opened the Premier card in August 2015, keep it open until August 2017 and apply for the Prestige card. Immediately after being approved for Prestige, close out the Premier card to save the annual fee.”

            If you want, you could change the last sentence to “waiting bonus point to post before closing old account.” And if you want, you could call for more data points!

          • Chuck says:

            Good point, Matt. I’ll reword that.

  35. PJ says:

    I currently have the AA personal card. It’s been 24+ months since opened. I applied for a second of the same AA personal card. I’ve just got an email asking me to call in. If they do ask why I’m applying for a second of the same card what reasons could I give to assist in getting card approved?

    • Chuck says:

      I guess you’d have to say something about separating expenses. Not sure what else to say. Let us know how it goes.

      • PJ says:

        When I called in, they just asked about reallocating credit from other cards. Never asked me about why 2nd of same card. Approved!!!

  36. Daniel says:

    I am wondering if TYP student is included in that TYP family as well. Can anyone provide insight?

  37. Rebecca says:

    I am new to all of this. I just had a Citi Card in my name and closed the account. My husband had an additional card, but the account was open in my name. Would I be able to open the same card in his name?

    Sorry if this is a dumb question, but I am new to all of this.

    • Chuck says:

      Rebecca, we love newcomers! There are tons of details, and it’s hard to swallow all at once.

      I think you’re saying that your husband was an authorized user card under the account which was in your name. In that case, he IS eligible for his own bonus, no matter when his card was closed (or even if it would still be open).

  38. boon says:

    The 60k AA card from the mailer was not affected by this rule just got my 60k posted earlier this month.

  39. PG says:

    It’s been over 24 months since applying for a TYP earning card. Converted both the Prestige and Premier a year ago- one to the the Preferred and one to a DCB. Any firm data points on whether I would be eligible for the bonus? If I call Citi or chat with them and ask if I am eligible, can I get a reliable answer?

    • Matt says:

      You should try to read the section on “downgrade. downgrade.” It talks about how product change may or may not be affected.

      There are not “firm data points” as we still need to collect them…I guess is that you will probably not be eligible for the bonus.

      Citi customer agents are highly variable. They might get you wrong answers. It wont hurt though. If you really want to take the risk, you can always ask them about this and even have a supervisor involved. You document everything and also have them document everything for future references.

      • PG says:

        Thanks for the thoughts- Your take on Citi CSR’s is about what I’d expect as well. Good reminder to document everything, especially asking them to do so as well.

        This article is old enough now and the rule around long enough, I’d expect more DP’s to be available. Perhaps I need to dig a little deeper.

        And yeah, I hear the probably not eligible, but I love finding those cracks to slip through, especially now that most all the banks are tightening up so much more.

  40. MontyFC says:

    Opened first AA Platinum card in May 2017 for 60k AA miles.

    Opened second AA Platinum card (through targeted mailer) in July 2017 for 50k miles. The bonus for the first card hadn’t posted yet.

    Still received the bonus miles for the May card in Aug. So looks like it evaluates for past cards opened/closed from application/approval date and not on the date minimum spend is met or statement is generated.

  41. paulie says:

    So I just want to be sure about this. I have the Citi Premier, I want to get the Prestige for the bonus. I have Premier as of 8/31/15, so if I apply 9/1 or later I am eligible for the bonus, even though I have not closed the Premier account. Second part, If I am eligible for the bonus and get approved, if I close the Premier does it have any effect

  42. LOGAN says:

    Weird question that I am not sure has been answered. I had a citi preferred card a long time ago. Should have closed it but no fee so why bother. Well I forgot to put usage on it so earlier this year I get a letter from citi saying they closed it. So will I be denied the bonus because they closed my card?

    • tinytavosa says:

      Honestly, I think its going to disqualify you. They are picky. If you call and talk to a manager you may get some clarity (regular CS don’t help and will tell you anything) and they may be willing to notate your account as to being eligible so if you get denied the bonus you have some grounds. They did this for me, but I have not applied yet so can’t confirm a notation by a manager as going to work, even if I do get it, it is all probably very YMMV if the system doesn’t automatically grant a bonus.

      • Logan says:

        You would be correct. Called Citi and got them to check with a supervisor and I was told I would be disqualified. Guess I’m waiting till March of 2019 then.

        • tinytavosa says:

          Just so you know, when I called Cit regarding if I was disqualified because of a product change (Citi Premier > Citi Preferred > Citi Doule Cash), I was told by the initial rep “I would not qualify because a product change is a closure, how he sees it” (aka complete speculation, he had no for sure idea, or solid info). When I pressed harder he said he would speak to a supervisor, came back and told me that actually I would be fine, It should work. I didn’t stop there though, because the answer I was looking for was if their back end system had a rule and I also didn’t trust any one rep, lol… so I asked for a manager/supervisor (a lady over the Phoenix call center) who said this type of closure is a “grey area” after reviewing her available resources. She then offered to notate my account to be eligible if the grey area went toward not being eligible automatically. At any level, your “closure” (involuntary) may give you a chance if you talk directly to a supervisor or two and plead your case, but in reality, your scenario seems much closer to being black and white in their minds, given as it was closed for inactivity, even if it was not voluntary.

          Just thought you might have hope, but sometimes I hate fighting for promise, because then you have to fight for them to fulfill their promise, just as I will do later with the Premier bonus when I apply. But either way, darn you Citi.

          I feel your pain in other ways. I’ve lost 2 cards to inactivity before I knew what I was doing. One being the first credit card I ever got (longest history loss = no good)

          Good luck :-/

  43. Samuel says:

    I recently opened a Citi AA Business card for the 50k offer. It has been well over 24 months since I last had this product. However the welcome letter indicated I would not be eligible for the bonus offer. Upon further digging I learned I am not eligible because I was listed as an employee on my wife’s account which was closed a year ago. Are they correct to exclude me for having an employee card on my wife’s account, or should I be fighting this? Thanks.

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