I'm going to give you the need-to-know rules when you're applying to Citi cards, I'm the founder of Nomad travelhacker.com, the travel rewards consultant, and I teach the use of travel points and miles for free travel and experiences. We're talking Citi cards and what you need to know when applying to, make sure you get approved, back in the day Citi used to be very Chernobyl very easy to apply to. They've gotten a lot stricter over the last couple of years, as have many of the cardholders, so it's important you understand the rules or you might get flat out tonight. Let's jump into the rules and see how they look.
First of all, this is the six six and high credit line, both of these are not rules to speak, but they are things that you should definitely note and take into consideration, as there's quite a few data points out there that suggest. That six six means that if you have had six hard polls within the last six months, then there's a good chance you're going to get denied, so while this isn't like a hard rule by Citi, definitely something to consider. And if you're well over that you got a bunch of hard polls recently maybe consider getting card summer olds.
Another thing that people have noted is that if you have like a ridiculous amount of credit with them, then there's a good chance they will deny you. So if you have a really high credit line with the Citi, I don't know what that number is, no one really has an exact number for it. But if you feel it's too much and you're thinking of applying to a Citi card, I would definitely consider trying to get rid of some of that credit, otherwise, you might automatically be denied.
The 865 ninety-five rule. what does that mean? Basically, it means that you can only get approved for one personal card every eight days and no more than two in a sixty-five day period. Now, these are not just for approvals, but these are actually just for applications. So if you apply to hard and you're denied, this will still count, but I'm just calling it basically the same thing as an approval, but if you applied to more than two personal cards every eight days more than two every 65, you will automatically be denied. So you can only get one business card every 95 days, really the interesting part about this is that the rules are actually eight sixty ninety, but there's a lot of data points and people suggesting that Citi isn't as counted on their applications, like there's a lot of people that have said this, said that they were at the 61 or 62 or 63 day mark, and they basically said that you had too many within 60 days and people try to fight it and lost. A lot of people have had a lot more success waiting an extra five to six days, so I recommend waiting 66 or 96 days rather than just the 60 or 90, that they have in place just because for some reason a bank can't seem to count. I know it sounds strange, but there's a lot of data points that suggest that, so you might as well wait a few more days and increase your chances of getting approved.
This looks familiar, you cannot get a scientist Ina bonus once every 24 months, that's not too bad, but really where Citi comes into play and gets a bit tricky is they're basically saying it does not just perk hard, but you can only get a sign of bonus once every 24 months per product line.
Now that they're officially completely done with Hilton, and I'm saying that they only have American Airlines and thank-you as true product lines. Right now they have a few other cards out there, but to be honest, I'm not even going to count them for this discussion, but basically, you can only get approved for one American Airlines and one thank-you card that being said the personal and the business are considered separate. So basically within a 24 month period, you can get one personal and one business, one personal and one business thank-you card, and the banking series are like their transferable point series, similar to an American Express Membership Rewards or Chase Ultimate Rewards, etc.
These are definitely things that you need to understand, because they will let you get these other cards, but they will not let you get a signup bonus for, so that really sucks. It's a major bummer and getting those cards on the signup bonus really is kind of a waste of your time, so these are all things that you should definitely take into account when you're applying for Citi cards. Hopefully they've got some new good stuff coming out lately, but they don't have a lot of exciting cards going on right now, so hopefully, that'll change soon.