Can I Get the Citicard Miles Bonus Again if I Reapply?

While Citi'south credit card awarding rules aren't as complicated or restrictive as some issuers, they can still be confusing. It's important to know these rules or else you risk being denied for a new carte or forfeiting a sign-up bonus. In this mail service we'll cover the basics for applying and some strategies for insuring that you get the bonus.

Well-nigh of Citi'southward rules are directed at individuals who have or are applying for multiple Citi cards. The bank is a major card issuer, and then y'all may run into this situation more often than you'd recall. For example, you can't get both a Citi / AAdvantage Platinum Select card and a Citi Premier℠ Carte in the same calendar week considering of Citi's 8-day rule.

These are some of the more than popular travel rewards cards Citi offers:

Citi Credit Cards	Annual Fee	Sign-Up Bonus
ThankYou Preferred (no longer bachelor)	None	None
Citi Premier℠ Card	$95	None
Citi Prestige® Carte du jour (no longer available)	$495	50,000 ThankYou points
Citi® / AAdvantage® Platinum Select® World Elite Matercard	$99 (waived for the starting time 12 months)	50,000 AAdvantage miles
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®	$99, waived for first 12 months	65,000 AAdvantage miles
Citi® / AAdvantage® Executive Globe Elite Mastercard®	$450	50,000 AAdvantage miles
Citi Hilton HHonors Reserve (no longer available)	$95	2 gratis nights
Citi Hilton HHonors Visa Signature (no longer available)	None	75,000 HHonors points

How Many Cards Can Y'all Have?

Unlike American Express, Citi does non limit the number of cards you can have. It does, though, place an overall credit limit across all of your Citi cards. That limit varies by customer and is based on your creditworthiness.

If a new carte du jour puts you over that credit limit, your application will typically go awaiting. Under these circumstances, call the Citi Reconsideration line at 1-800-695-5171 and ask the agent to move credit from an existing card to your new card.

The eight/65/95 Dominion

While Citi doesn't limit how many cards yous can accept, it does limit how often you can become a new carte. The so-chosen eight/65/95 rule is autograph for those restrictions and refers the number of days you lot have to await before applying.

Officially, Citi says that you can become only one card a week and no more than two cards every ii months. In reality, Citi has been known to deny customers who utilise too soon. To be safe, you should wait at to the lowest degree eight and 65 days to avert being denied.

There'due south an additional brake for business organization cards : Yous can only go one business organisation menu in a 95-mean solar day period. Here again, the dominion is officially 90 days, but it'southward all-time to wait 95.

It'south important to annotation that business cards also utilise to the 8/65 portion of the rule. Nether no circumstances can you go two cards in eight days or three cards in 65 days, even if one of them is a business carte du jour.

In other words, don't utilise for a new Citi bill of fare if any of these statements are true:

1. You've been canonical for any Citi card in the concluding eight days.
ii. You lot've been canonical for whatsoever two Citi cards in the last 65 days.
3. You're because a Citi business card and yous've been approved for a Citi business card in the last 95 days.

Unlike Chase, which has a similar 5/24 rule (just five new accounts in the last 24 months), Citi's limits on new cards just apply to other Citi cards. Hunt includes all new credit accounts when considering an awarding.

Getting the Sign-Up Bonus

Compared to its competition, Citi is generous with its sign-up bonuses . There are no restrictions on how many sign-up bonuses y'all tin go for different cards.

All the same, you tin't simply downgrade a carte after earning the sign-up bonus and hope to get a 2nd card. Not merely do you have to wait 24 months earlier reapplying for the same card, but Citi prevents customers from downgrading a bill of fare until they've had information technology for at to the lowest degree a twelvemonth.

Call Before You Apply

Credit card rules can be confusing, and they can modify without notice. On top of that, issuers will sometimes have different rules for different cards in their lineup. If you lot're thinking about getting more than than one Citi bill of fare, information technology's worth the time to call customer service to exist sure that you won't run across whatever issues. Don't hazard existence denied or missing out on a sign-up bonus .

Editorial Disclosure: Opinions expressed here are writer'south lone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed past whatsoever of the entities included within the post.

UGC Disclosure: The responses below are not provided or commissioned by the bank advertiser. Responses take not been reviewed, approved, or otherwise endorsed by the banking company advertiser. Information technology is not the banking company advertiser's responsibility to ensure all posts and/or questions are answered.

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