Citi Application Tips

• 24 Month Rule: To apply for a card within the same brand, must wait 24 months after opening or closing account.


• Velocity Rules: Max 1 personal card per 8 days. Max 2 personal cards per 65 days. Max 1 business card per 95 days.


• Get Same Card Again: Citi allows getting same card again (even if card is still open) as long as you follow the 24 month rule and velocity rules (above).


• Hard inquiries DO NOT combine into 1 when approved same day

Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858