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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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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