Can I apply for more than one Citi credit card?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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pzzdog
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Can I apply for more than one Citi credit card?

Postby pzzdog » Wed Aug 08, 2012 5:31 pm

I got approved for Citi on 8/7, can i apply for multiple Citi credit cards - Thank you card or Citi dividend today?

Or bank of America Cash Rewards, which one better? any advice?


hematino
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Postby hematino » Thu Aug 09, 2012 4:47 am

You sure can, I've personally applied for the Citi Forward and the Citi Dividend literally within 5 minutes of each other. Instant approval for both. Not sure which card you were already approved for, but my advice to anyone looking to do this would be apply for the one you want the highest limit on first. Citi gave me a pretty good limit on the first one, and a considerably smaller limit on the second. Technically they do hard pull you twice, but Experian combined it into one on my credit report, probably due to the close proximity. This supports everything Ratfacedudeguy2 said on another post about hard inquiries appearing immediately.

I have read that you cannot get more than 2 personal cards from Citi within 180 days, but I have no idea if its true. I can only verify that I received two in a very small time window.
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FutureBillionaire
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Postby FutureBillionaire » Thu Aug 09, 2012 8:21 am

pzzdog wrote:I got approved for Citi on 8/7, can i apply for multiple Citi credit cards - Thank you card or Citi dividend today?

Or bank of America Cash Rewards, which one better? any advice?


What benefit are you looking for? That will help me provide you a better suggestion.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

CC Deville
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Postby CC Deville » Thu Aug 09, 2012 8:06 pm

Citibank will allow up to three cards (others might disagree, as always YMMV).

I find that the Citibank Dividend is not the best cash back card for me. This year their bonus catagories, while inventive, did not benefit me. I like cash back on the things I have to buy anyway and I do not have a lot of disposable income right now. So I prefer my BankAmericard Cash Rewards Visa Signature: 3% on gas, 2% on groceries and 1% on everthing else. You also get 10% bonus for depositing your cash reward into a Bank of America checking account. Dividend this year has had the bonus cash back on New Years resolutions (fitness etc Jan-Mar); Home Improvement (incl Home Depot Apr-June); Summer Travel (airlines etc Jul-Sept) and who knows what Oct-Dec will be but I would assume holiday purchases as that would fit with their themes this year. So far, no gas, no groceries. But this can change from year to year as last year they did have a quarter each for gas and groceries. I use either my Chase Freedom or Discover More to fill in the 5% catogories on grocery stores and gas.

But it depends on your spending. Amex BCP offers great cash back if you believe you will spend enough annually to offset the $75 annual fee. US Bank also recently began marketing the Cash + card that allows you to chose your own 5% catagories.

So it really comes down to how you spend and what you spend on. It also comes down to your credit. Chase Freedom and US Bank Cash + are going to be harder to get (Chase not really, but you could get a low credit line; US Bank is conservative and if you don't qualify for at least a $5K credit line they will instead open a 1% cash back card).



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