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Citi Credit Card Application Tips to Get Approved

**Citi Credit Card Application Tips to Get Approved**



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Learn how to get approved for Citi credit cards with the need to know rules. Citi has some strange rules so it’s important to understand before you apply to increase your chances of being approved!

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Secret Tips I Can’t Share with The Public:

Travel Rewards Coach take a unique approach to the travel credit card rewards game. Jason uses travel points & miles to travel the world free full time through the art of travel hacking.

I teach my students how to maximize everyday spending to maximum points accumulation or cash back. Travel Credit cards can be an amazing way to earn free travel & increase your credit score & net worth when used correctly.

Using my method of “Reversed Engineered Travel Hacking” coaching my students earn the most miles possible for the destinations they want to go based on the way they already spend money. They also learn how to save more miles (& fees) when redeeming their points.

Book a custom coaching session with Jason:

✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️

Some referral links may be affiliate offer or I may receive a small amount of points by signing up through my links. It’s the easiest way to support the channel. Thank you in advance!
what's up guys today I'm gonna give you the need-to-know rules when you're applying to city cards but if this is your first time here my name is Jason I'm the founder of Nomad travel hacker comm the travel rewards consultant and I teach the use of travel points and miles for free travel and experiences so be sure and subscribe so you don't miss anything ok guys where today we're talking city cards and what you need to know when applying to make sure you get approved so back in the day city 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 card holders so it's important you understand the rules or you might get flat out tonight so let's jump into the rules and see how they look so first of all so this is the six six and high credit line both of these are not rules so 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 gonna get denied so while this isn't like a hard rule by City 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 city then 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 city card I would definitely consider trying to get rid of some of that credit otherwise you might automatically be denied so 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 are 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 yeah 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 so really the interesting part about this guy's is that the rules are actually eight sixty ninety but there's a lot of data points and people suggesting that city isn't as counted on their applications like there's 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 know you had too many within 60 days and people try to fight it and lost so a lot of people have had a lot more success waiting an extra five to six days so I recommend waiting 66 96 days rather than just the the 60 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 okay so this looks familiar you cannot get a scientist ina bonus once every 24 months you know that's not too bad but really where City comes into play and gets a bit tricky is they're basically saying it's 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 they're and I'm not even gonna count them for 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 a a one personal and one business thank you car and the banking series is like their transferable point series similar to an American Express Membership Rewards or Chase Ultimate Rewards etc so 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's 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 you know 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 but guys hopefully this video was helpful for you and you understand now what you need to do to get approved for citi cards give it a thumbs up if it was drop me a comment and let me know what's your favorite city card if you guys haven't already go ahead and subscribe so you don't miss any upcoming videos and as always use my links down below it will help keep beer in my fridge and I super super appreciate it thanks for watching talk to you guys soon

✈️ Quick Airline Alliance Tutorial & Gift for YOU ✈️

**✈️ Quick Airline Alliance Tutorial & Gift for YOU ✈️**



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View Time:3:7Minutes

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Quick chat about the power of the 3 airlines alliances & a free gift for you:

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Secret Tips I Can’t Share with The Public:

Travel Rewards Coach take a unique approach to the travel credit card rewards game. Jason uses travel points & miles to travel the world free full time through the art of travel hacking.

I teach my students how to maximize everyday spending to maximum points accumulation or cash back. Travel Credit cards can be an amazing way to earn free travel & increase your credit score & net worth when used correctly.

Using my method of “Reversed Engineered Travel Hacking” coaching my students earn the most miles possible for the destinations they want to go based on the way they already spend money. They also learn how to save more miles (& fees) when redeeming their points.

Book a custom coaching session with Jason:

✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️

Some referral links may be affiliate offer or I may receive a small amount of points by signing up through my links. It’s the easiest way to support the channel. Thank you in advance!
what's up TRC fan a super short video today but basically I just wanted to have a little gift for you so I was working with one of my students last week and we were talking about the airline alliances and you know that's something I'm noticed is a big topic of confusion for a lot of people just getting into the game so many people don't know that there are airline alliances and to be honest until I really got on this game I didn't either and I hear all the time you know well I never fly AAA why would I want any a miles or well I'll never fly United again after what happened last year and you know stuff like that all the time so people think that they just need to get something like a Chase Sapphire Preferred or an Amex platinum and get you know Amex points or chase points and then book within the system to fly internationally and that is not the way to do it so usually the best way to do it is through transfer partners or just booking through partner Airlines through you know a lot of the US airlines so most people don't realize that each of the three biggest airlines in the u.s. is attached to one of the three biggest airline alliances and it's getting easier and better than ever there's more and more airline partners available to booked inside of the online booking system AAA has really made a big improvement recently to where it used to be really hard to book any partners but they've really expanded that a lot United has always been great for that and you know Delta is actually not too bad for that either so basically long story short it just created this little document because my student was saying it's always annoying for him to have to go and find these things online and look at it and if you go to the like the oneworld alliance or the Star Alliance websites are actually like not it's a little hard to actually find where they show the Alliance is we know weird enough so basically I just had my team and I we put together this easy little PDF just with all the Alliance's and all of the partner Airlines just in one easy place and a simple PDF and a couple different formats so that's pretty much it so I just wanted to share it with you guys and give it to you for free so basically just click the link down below and you can go and download that I figured more people should enjoy it since I actually took there's quite a bit of time to put it all together and make it look nice and I do think it looks nice if I Tuesday sell myself but that is pretty much all for today guys so I hope this video I hope hope you guys enjoy it so give this video a thumbs up if you appreciate it drop me a comment and let me know if you guys like it if you haven't already go ahead and hit subscribe so you don't miss any upcoming videos and as always using any of the links down in the description help support the channel thanks for watching guys talk to you soon

✈️6 Little Known Tips of Travel Credit Cards 💳& Travel Hacking

**✈️6 Little Known Tips of Travel Credit Cards 💳& Travel Hacking**



Views:8364

Rating:4.80

View Time:7:39Minutes

Likes:264

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💳 Free PDF 25 Dopest Travel Cards in 2019:
6 little known tips about travel hacking. How many of these tips about travel reward credit card life did you know?

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Amazon Shopping:

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Secret Tips I Can’t Share with The Public:

Travel Rewards Coach take a unique approach to the travel credit card rewards game. Jason uses travel points & miles to travel the world free full time through the art of travel hacking.

I teach my students how to maximize everyday spending to maximum points accumulation or cash back. Travel Credit cards can be an amazing way to earn free travel & increase your credit score & net worth when used correctly.

Using my method of “Reversed Engineered Travel Hacking” coaching my students earn the most miles possible for the destinations they want to go based on the way they already spend money. They also learn how to save more miles (& fees) when redeeming their points.

Book a custom coaching session with Jason:

✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️

Some referral links may be affiliate offer or I may receive a small amount of points by signing up through my links. It’s the easiest way to support the channel. Thank you in advance!

💳 5 Rules You Need to Know for American Express 💳 Credit Card Applications

**💳 5 Rules You Need to Know for American Express 💳 Credit Card Applications**



Views:27273

Rating:4.65

View Time:4:6Minutes

Likes:384

Dislikes:29

Watch the updated & much improved video:
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Before you apply to any American American Express Credit Cards you need to watch this video. These 5 rules for Amex applications are super important and most people don’t know about them.

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Thank You for Supporting The Channel:

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✈️ Free Trial Expert Flyer: Must have for Travel Hackers

🍺20% Off Priority Pass:

🍴Shopping via this link is like buying me a (cheap) beer:
Amazon Shopping:

✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️

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💳 Chase Sapphire Preferred:

💳 Southwest Premier:

💳 Southwest Plus:

💳 United Plus Explorer:

💳 SPG Cards:

💳 Delta Gold 60k offer:

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Secret Tips I Can’t Share with The Public:

Travel Rewards Coach take a unique approach to the travel credit card rewards game. Jason uses travel points & miles to travel the world free full time through the art of travel hacking.

I teach my students how to maximize everyday spending to maximum points accumulation or cash back. Travel Credit cards can be an amazing way to earn free travel & increase your credit score & net worth when used correctly.

Using my method of “Reversed Engineered Travel Hacking” coaching my students earn the most miles possible for the destinations they want to go based on the way they already spend money. They also learn how to save more miles (& fees) when redeeming their points.

Book a custom coaching session with Jason:

✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️✈️

Some referral links may be affiliate offer or I may receive a small amount of points by signing up through my links. It’s the easiest way to support the channel. Thank you in advance!
what's up guys today I'm going to talk about the five rules that you need to know for American Express credit cards and credit card applications okay so American Express is a bit picky and their rules are a bit more strict than some of the other credit card holders so there's five rules that you need to know okay so rule number one is you can only get a credit card sign up offer once a lifetime so you may be able to get a card cancel it apply again and get approved but you cannot get that signup bonus that being said you get most of the value or at least a lot of the value on most cards from the sign up bonus so if you're not able to get a sign up bonus for a travel rewards card then it's almost certainly not worth getting that card so you got to be very careful while when applying the cards and make sure that you get an escalated sign up bonus American Express is always having specials and offering higher signup bonuses an offer to retain your customers so be sure that you do some research and find out what is a normal offer and wait until they do have a higher offer than normal that way you get the most value out of this as possible rule number two is that you can only get a proof or one card every five days so to go to proof of that second card you have to wait six days now rule number three is that you can only apply you can only have two cards in 90 days so basically to get that third card you have to wait past that 90 day period to get approved for a third American Express card the fourth rule is that you can only have five active American Express cards at a time to get approved for more cards if you already have five open you're basically going to need to close one of those cards down and be very careful with what cards you apply for to get that you know higher signup bonus as well as what cards you're currently keep open as you only have access to five of them now I will say that the American Express charge cards which are different than credit cards do have different rules and it seems that you can have as many of those as you like they do not have spending limits and basically you're just supposed to pay those charge cards off every month at the end of the month and if you don't you get a fee so they're a little bit different than credit cards but the rules on one card every five days to every 90 days do not apply but the once-in-a-lifetime rule does apply but the fifth rule is for American Express cards is it you want to keep your total spending limit under thirty thousand dollars is what I recommend so data points say that you can have it as high as thirty five thousand dollars and why you want to keep it under thirty to thirty five thousand dollars as once you have it over thirty to thirty five thousand dollars that they have been known to do a what is known as a financial review these are very dreaded and travel hacking nobody wants to deal with it and it's a really big pain in the ass basically what that is is they're gonna want to see proof of your income proof of where you live just ask for a whole bunch of documents and question you like they're the FBI and you're and being investigated for murder so in order to not have to deal with that nobody wants to deal with it trust me your spending limit under thirty to thirty five thousand dollars if it starts to start creeping up there all you have to do is call American Express and have that number reduced because most people do not need that much anyway so comment below and tell me what is your favorite American Express card also let me know if there are any other travel hacking tips or digital Nomad questions that you have for me and I will make a video to answer those for you this video was helpful please give it a thumbs up or share it with a friend really helps me out and thank you for your time again guys I will talk to you tomorrow thanks you

💳 WHY YOU SHOULD NEVER CLOSE A CREDIT CARD

**💳 WHY YOU SHOULD NEVER CLOSE A CREDIT CARD**



Views:4291

Rating:4.83

View Time:6:21Minutes

Likes:203

Dislikes:7

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it is a beautiful morning on Monday July something I got my nice ice cold water right here and we are gonna be starting the week off right by talking about one thing you guys should never ever ever do with credit cards many people actually close their credit cards because a they've had a bad relationship with them they fell into consumer debt they just didn't want to deal with it and they think credit cards are bad and they think that closing that credit card will solve all their problems and nothing bad will happen B or to B what is this a lot of people close their credit cards because they don't want to pay an annual fee so say for example you have the American Express Platinum Card or you have the Chase Sapphire Reserve card both those cards have annual fees of up to four hundred to five hundred if you get the business version even five ninety five or six hundred dollars now if you have an annual fee that high and you're not reaping all the benefits it definitely makes sense to close a card but there are other options and I'm gonna be talking to you guys about that towards the end of the video now the main reason you guys you don't want to close a credit card is because it will tank your score now I've seen friends in real life whose scores tank 40 50 even 60 points when they closed a credit card so think about it like this you guys are starting a brand new Pokemon game and you know you just got your new Pikachu and you're out and now you're like level 50 you got a hundred pokemons say you close that first Pokemon you had that you ranked up that you leveled up all the way to level 50 if you do that you're getting rid of your strongest hint I guess it's a crappy analogy I'm doing when you close a credit card it's your first credit card that credit card gives you that history with your account you're history makes up a good portion of your credit score on top of that utilization if your first credit card has a limit of $1,000 and you'll only have three cards and in total you have $3,000 limit and you take that credit card off and say you have a little bit of a balance you go from a $3,000 utilization limit to a 2,000 utilization limit and then if you have a balance and that goes up your score goes down now the main thing you guys want to do before cancelling a credit card is to figure out what your options are there are a ton of options you guys you are not just limited to closing and opening cards you guys can do something called downgrading a card now like I mentioned earlier if you guys have a high annual fee card what you guys can do is call in and be like look hey I have this card and I'm not sure if I want to keep it the annual fee is really high is there any way we can work something out and most of the time you'll get hit with something called a retention offer these credit card companies don't really want you to downgrade or close your card they want you to keep that card because they still are profiting and they're gonna do as much as they can to keep you on with that card especially if you talk to the right representative so most of the time they're gonna offer you a point incentive or they're gonna give you a discount on your annual fee now this has happened a ton of times if this happens to you please don't be surprised but know that this is in your arsenal now retention offers are definitely one way to stay in the credit card game with that high annual fee card but that is not your only option now if you really don't want that card because of the annual fee and you actually want to get rid of it don't close that card but downgraded if we're talking about the Platinum for example you could downgrade that card to the regular American Express a green card which has a lower annual fee than the Platinum does or if you're with a Chase Sapphire reserve you can downgrade that card to the regular Chase Sapphire or you could do something else to you guys and this is called product changing a lot of people often forget that you can product change a lot of cards there are certain rules so for example I want to be able to actually product change the Platinum Card to the American Express blue business plus credit card because the Platinum Card is considered a charge card so there are different rules like this but it's not that difficult to learn if you guys are within the chase ecosystem and you have the Chase Sapphire Reserve and you think maybe you're one I'll travel a lot maybe you're two I'll travel a lot but maybe you're three I won't go that often what you can do is instead downgrade or product change that card into a freedom car and a freedom unlimited a regular sapphire card or even the Chase Sapphire Preferred but there are other options you guys don't ever close a credit card whenever I see people unknowingly close their credit cards I see their points just tanked you guys if you have a Macy's card if you have a TJ Maxx card if you have a card with any retail store that you don't use and you're like I really don't like them anymore don't close it you can cut up the card don't use it just leave it open you guys and maybe every once in a while you can leave a subscription like a netflix invoice or your Spotify invoice to actually pull out of that card and just set up automatic payments let there be history on it use that card to the full potential by not using it I know it sounds a little like what is this man talking about but you guys can actually just keep that card to have that account history and to have that utilization help your credit score but please do not close your credit card now guys I know this might have been common sense for a lot of people but this is a video I had to make because I keep seeing this in my DMS so guys if you're thinking about ever closing a credit card don't do that make sure you guys check out those option if you guys are not successful with the retention offer check out my other video on the supervisor life credit hack basically what that is is you guys can ask your supervisors and figure out how to really you know optimize the system because the system wasn't really meant for people like us so make sure you guys check out that video if you guys want to utilize the retention offer hack but guys I hope you enjoyed this video and if it did help you out make sure you drop a thumbs up make sure you guys drop a comment if you guys want to support the channel be sure to check out the links if you guys are trying to apply for any credit card make sure you guys check out the links in the description I do receive a small commission make sure you guys check out the advertisers disclosure but if you want to support the channel feel free to do that but in the meantime cue the Japanese outro music and I'll see you guys on the next one be jeonggi out not for me date the husband you are it's more