Posted by Chuck on December 13, 2016
Credit Cards

Published on December 13th, 2016 | by Chuck

150

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.



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150 Comments on "Citi 24-Month Churning Rule Explained in Detail"

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David
David

what about citi business cards? same rules?

Brandon French
Brandon French

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

Thomas
Thomas

You should be fine, doesn’t apply to business

Brandon French
Brandon French

Thank you sir

William Charles

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

Dave
Dave

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

William Charles

[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
Brandon French

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…

William Charles

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

TheBigEasyTraveler
TheBigEasyTraveler

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

Ben
Ben

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.

Glenn
Glenn

Read again.

Ender
Ender

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

Jesson
Jesson

Product change is equal to closing one account and opening the other account at the same time.

Dan
Dan

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?

projectx
projectx

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?

William Charles

Rules are as follows:

You can only apply for one Citi personal card every 8 days
You can apply for no more than two Citi personal cards every 65 days
You can apply for one Citi business card every 95 days

Pretty sure this is a new rule about one card every 60 days, but some conflicting datapoints so that isn’t 100%: https://www.doctorofcredit.com/new-citi-application-rule-one-card-per-60-days/

Sallu25
Sallu25

I applied for Citi Hilton on 12/28/16 and then applied for AA PS on 1/2/17. Got approved for both.

savemesf
savemesf

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

Lantean
Lantean

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.

jcb
jcb

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.

Rob
Rob

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.

Glenn
Glenn

The issue is you then have to pay (another) annual fee. Alternative is to open the card, get the bonus quickly, close it, then wait two years.

Dave
Dave

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?

Fan of Doc
Fan of Doc

Dave – why don’t you try yourself? Be the DP you want to be, rather than pushing others to try for you…

Alex
Alex

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

Glenn
Glenn

Yes

Master Allan
Master Allan

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
Glenn

Citi will be very upset they lost another churner.

Master Allan
Master Allan

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.

Debbie
Debbie

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 :-(.

William Charles

Good tip!

Nick
Nick

Does product changing, restart the clock as well?

caleb kurtz

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.

Chris
Chris

Please tell us afterwords. I am suspicions that the rep that told you that was not informed or was just making it up so they can keep you as customer.

Miles Hustler
Miles Hustler

Whatever happened with this? Did downgrading reset the clock for you?

Biggie F
Biggie F

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.

Biggie F
Biggie F

Okay, you’d miss a bonus in the 3rd and then again in the 5th year, but, hey… who knows how long any of this — any of us — is going to last?

Joe Shapiro
Joe Shapiro

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.

Mike
Mike

Does that offer include a code, and if so, is it different from offer to offer?

Meghan Mason
Meghan Mason

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

Chris P
Chris P

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?

Mod
Mod

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?

William Charles

Yes, sometimes pre-qualified offers don’t have the language so you should be ok.

Raul
Raul

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

Raul
Raul

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.

Colin Robertson

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!

John H
John H

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?

William Charles

Did the mailer mention the 24 month restriction? Anyway at the moment there is a link without this restriction so I’d recommend using that: https://www.doctorofcredit.com/citi-aa-50k-mile-no-24-month-language-updates-bonus-mail-getting-second-card/

sirtheta

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

William Charles

What do you mean?

sirtheta

That business cards count as a separate family.

John H

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

Miles Hustler
Miles Hustler

No

Ben
Ben

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

Donald Flowers
Donald Flowers

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

William Charles

Not that I know of

Master Allan
Master Allan

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
Master Allan

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.

John
John

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.

Matt
Matt

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?

bostonwalker
bostonwalker

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.

Mlh
Mlh

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

Matt
Matt

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.

PJ
PJ

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?

Daniel
Daniel

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

Rebecca
Rebecca

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.

boon
boon

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

William Charles

I take it it didn’t include the 24 month language?

PG
PG

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
Matt

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
PG

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.

MontyFC
MontyFC

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.

paulie
paulie

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

LOGAN
LOGAN

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
tinytavosa

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
Logan

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
tinytavosa

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 :-/

Samuel
Samuel

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.

Shyam
Shyam

Is ATT access more card considered in the 24-month rule, since that’s a TYP earning card.

William Charles

No, only the listed cards count

Shyam
Shyam

Thanks, was approved for the second Premier card with 24/12 status while the first one is still open.

Shalabh
Shalabh

I have a question regarding the closing the older card after the new card is approved :

Citi Premier 1 ( Opened Sep 2015 )
Citi Prestige ( Opened Nov 2015 )

Citi Premier ( Approved Nov 2017 , 24 month + 2 day since last Thank You card )

Can I now close Citi Premier 1 as I am still under 37 days since the annual fees posted ?

Shyam
Shyam

Your application dates are similar to mine.
Citi Premier 1 (opened Aug 2015)
Citi Prestige (opened Oct 2015).
Citi Premier 2 (opened Nov 2017) 24 months + 28 days, if I don’t consider ATT access more.

Try calling retention, I got $95 statement credit for spending $95 retention offer to cover the annual fee. I called a couple days before my annual fee post (statement close date).

Shyam’s Verdict (in DOC’s style):
I wouldn’t risk closing the Premier 1 now, since it might reset your 24-month cycle and eventually invalidate you from getting the bonus on Premier 2.
Once you get the Premier 2 bonus, decide on closing the Premier 1 if you don’t get any good retention offer. Hopefully Citi still refunds prorated annual fee by then.

Eiro68
Eiro68

Just trying to clarify… If I closed an AA Citi card on 2/15/2016, would I be eligible for the bonus again on 2/16/2018 or 3/1/2018 (which would be somewhat similar to what Chase requires in terms of 5/24, the following month after)

Erik
Erik

Could someone please advice:

3/10/15: I opened a personal AAdvantage Platinum
7/4/16: I converted AAdvantage Platinum to AAdvantage Bronze
12/30/17: I converted AAdvantage Bronze to Double Cash

If I apply for the AAdvantage Platinum now. will I be eligible for the bonus?

p.s. Did I make a mistake converting from AAdvantage Bronze to Double Cash on 12/30/17? If so, I may still be able to cancel the conversion…(?)

William Charles
Erik
Erik

My card number remained the same when converting from AA Platinum to Bronze. However, the card number *will* change when the conversion from Bronze to Double Cash is completed.
(I just missed the deadline to cancel the conversion 🙁 ).

So if I understand your Blogs, the conversion to Double Cash “effectively” qualifies as closing the Bronze card on 12/30/17?

If so, would you say that I am ineligible for the Bonus if I apply today?

According to two Citi Supervisors (one was a manager) I *am* eligible for the Bonus because I kept my AA card open for more than 24 months. “That is what the disclaimer means” according to the manager. She notated my Bronze account.

MarcoPolo
MarcoPolo

I am not seeing the following parts of the post:

2.2 Card doubles (business)
2.3 Workaround
2.4 Downgrades, downgrades
2.5 Didn’t receive bonus
2.6 Business cards

Have they been removed?

William Charles

No, some people were saying that they didn’t see them when they had adblocker installed for some reason? Definitely not intention on our part.

J. Sarayda Shapiro
J. Sarayda Shapiro

I would like to close my Citi Access More card, as my annual fee is due. (Also, I don’t seem to be getting 3x points on all/most purchases, as many people were.)

As far as I know, Citi Access More is not part of a “family” of Citi brands. Therefore, closing my Citi Access More card should NOT start any “24-month clock” during which I am barred from opening some Citi card products. Am I correct?

AL
AL

Won’t start any 24 month clock. Not in any other “family”. You are good to go.

J. Sarayda Shapiro
J. Sarayda Shapiro

Great! Thanks!

Lily
Lily

I had the once-amazing Forward card which just got product changed to Preferred (ugh). I was going to apply for the Prestige this Spring because that would be 24 months since I opened my Premier card. Is this product change going to count as a new open account and screw things up for me?

tinytavosa
tinytavosa

The information is up to date as far as we know about Business and Personal not counting against each other on AA/AA biz, correct? I am about the try some things with the 2 player game and would hate to double disqualify lol. Thanks!

LC
LC

Tiny, I can vouch that its up to date. AA personal and AA biz are considered separate products. Doesn’t matter what the CSR’s say. You technically should be able to apply for them both on same day but I wouldnt chance it as this is YMMV. (Space them out 8-9 days apart) and follow standard 2/65 (any citi cards), 1/90 (busines cards) and its really 5 inquiries per 6 months on same bureau. If you attempt to apply already having 6 inquiries you will be denied – learned this the hard way. Citi usually double pulls Experian and Equifax, at least in my experience. I always freeze experian for $4.99 – 1 month trial and get in 2 apps that way. Good luck!

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