Citi 6/6

Understanding the Citi 6/6 rule:

This rule is primarily for Citi approvals, but it can also impact U.S. Bank card approvals as well. It's also a rule that's not completely trackable by the Points Navigator, as other inquiries such as a car loan, home loan, and even declined credit card applications will apply. The best way to check is to look at a credit service like Credit Karma to see how many hard inquiries you've had in the last 6 months.

Important to know:

This does not appear to be a hard and fast rule, as there have been many reports of people who were beyond that threshold and were still approved for a new Citi card.

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.