Many people mention that Citi does not approve applicants who have six hard pulls on their credit report within the past six months. two AA cards), but not when you apply for two separate cards. I believe this issue is only when you apply for two of the same cards (e.g. ![]() There does seem to be a fraud detection in place when you apply for two cards within 60 days which requires manual intervention. ![]() Is there a new 1/60 rule? Based on numerous data points, my understanding is that this is not a firm approval rule. In the past few months, some people have been told by Citi that only one new card can be approved per 60-days. All calendar days count, even non-business days.The only day that matters is the application date, not the card approval date.if you violated the 8/65 rule, that application will likely not count against you toward your 8/65 ( Reddit). If your application did not get processed, e.g.And the same is probably true for business cards: if you were denied a business card, you’ll have to wait 95 days to try again. For example if you were denied for your second card on Day #9, you still have to wait until Day #66 for the third application. Thus, it’s possible to get three cards within 60 days (2 personal and one business) ( 1, 2, 3). You can apply for a business card using an EIN within 8/65 since business applications run separately. Being the 8-day rule is a soft rule, it’s difficult to track solid data on this. This can be the case even when applying for both with your SSN. The 8-day rule is often relaxed when applying for one business and one personal card, meaning that you can apply for a personal and business card on the same day or the same week and don’t have to wait 8 days in between ( Frequentmiler and others). A friend reports that during a recent business card application, Citi didn’t even do a hard pull due to the fact that he had done two personal two applications within the past 60 days. Other reports (1, 2) confirm this as well. It appears that both business cards and personal cards combine toward for the 65-day wait. Again, we’ll wait an extra 5 days to be safe.įor example, if you apply for a business card today Day #1, you can apply for another business card on Day #96. Must wait 90 days between business card applications.Regarding business cards, the rule is as follows: Then on Day #74 you can apply for the next one. Then you’ll have to wait until Day #66 to apply for a third card. That is, after applying for a Citi card (Day #1), wait eight days before applying for another Citi card on Day #9. ![]() These two rules have borne the short-hand ‘Citi’s 8/65 rule’. The real rule is 60 days, but it’s become common to wait 65 as a safeguard since Citi has been known to miscount.
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