I'm looking to start building my Citi stack, but I have some recent apps for business cards that put me at 3/6. I know anything over like 1/6 is a shot in the foot applying for Citi. Has anyone had luck calling recon and arguing that the business cards should overlooked? For personal cards I'm 0/6 so Gemini suggested this independently as an option, but I'm feeling like that is typical chatbot blowing smoke.
I know the deal with business cards still being a personal responsibility even if they don't show on my report, so my hopes aren't super high, but just was curious of any data points one way or another.
Anyone beat the Citi 0/6 rule with the recent apps being business cards?
byu/Ok-Baby4492 inCreditCards
Posted by Ok-Baby4492
2 Comments
Citi or other banks biz card? If the latter, then most shouldn’t appear on your profile anyways, so Citi won’t see it.
ETA: what does your inquires look like?
Just a data point for you to ponder… I just got the following cards:
December: Citi Double Cash, Elan Max Cash, Elan CLI Hard Pull
January: Citi Strata Elite
February: Citi Custom Cash
March: Citi Aadvantage Platinum Pro
As a result, I’m not so sure about the Citi 1/6 rule.