Is There A New Citi Application Rule? One Card Per 60 Days

Citi has always had strict rules on how many credit cards you could be approved for. Previously these rules have been as follows (in addition to the one bonus per family of cards per 24 months):

• 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

There has been a few threads on reddit (1, 2, 3) that there is a new rule and that you’re limited to one personal card per 60 day period. According to what I’ve read, this excludes targeted/mailed offers and started at or around August 27th, 2016 (this is also when the new rule regarding one bonus per family of cards went into place).

I asked for datapoints on Twitter and only had readers confirming their experience:

@Drofcredit my parents and I have been denied recently for the same reason. Analyst said new rule. No more than 1 app in 60 days.

— Vee Jay (@veejangl) November 14, 2016

Other datapoints agreeing with rule:

• 1

Datapoints disagreeing with rule:

• 1

My Thoughts

I have no idea if this is a new rule or not, I always think it’s suspicious when representatives mention specific time frames (e.g 60 days in this case) as it usually means that it’s a hard coded rule they can’t override. I don’t think it really matters that much anymore either as you’re limited to one bonus per family of cards per 24 months.