Citi 1/8

Understanding the Citi 1/8 rule:

You'll be declined if you apply for a second Citi card within 8 days. This rule rarely gets flagged. But if you have a business -- and decide to apply for a personal card and a business card at the same time -- this rule could trip you up.

Important to know:

You should also be aware of another Citi rule regarding business cards. The Citi 1/95 Rule says that you cannot get a second business card within 95 days of the first. So if you get a Citi business card first and want to get a second Citi card, you’re only allowed to get a personal one (and only after 8 days).

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards.  So here’s what you need to know:

• Approval rules are rarely fully publicized by the banks
• We use our own research and data points from other users in creating the rules listing
• Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
• There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.