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**The Guide to Citi’s Credit Card Application Rules** Hey everyone! I wanted to share some important information about Citi’s credit card application rules that could help you navigate their offerings better. **Citi’s 48-Month Rule** Citi has a 48-month rule that restricts certain credit card welcome bonuses to once every 48 months. If you apply for a card and cancel it, you won’t be eligible for the welcome bonus again until 48 months pass since your first application. This rule affects a variety of cards, including: - Citi® / AAdvantage® Platinum Select® World Elite Mastercard® - Citi® / AAdvantage® Executive World Elite Mastercard® - American Airlines AAdvantage® MileUp® - CitiBusiness® / AAdvantage® Platinum Select® Mastercard® - Citi Prestige® Card - Citi Strata Premier℠ Card - Citi Rewards+® Card - Citi Rewards+® Student Card - Citi Double Cash® Card - Costco Anywhere Visa® Card by Citi - Costco Anywhere Visa® Business Card by Citi **Workarounds for the 48-Month Rule** If you want to earn more AAdvantage miles, consider opting for co-branded credit cards, like the AAdvantage® Aviator® Red World Elite Mastercard®. Alternatively, you can wait out the 48-month period but keep your existing Citi credit cards open at least until your second welcome bonus posts to avoid resetting the clock. **Citi’s 8/65 Rule** Citi also has an 8/65 rule, which states that you cannot apply for more than one Citi credit card in an eight-day period and no more than two credit cards within 65 days. **Recap** If you find yourself ineligible for a welcome bonus due to these rules, don’t worry! There are still ways to earn points and miles. For those interested in maximizing rewards, consider these top travel credit cards for 2024: - **Chase Sapphire Preferred® Card**: Flexibility, point transfers, and a large bonus. - **Wells Fargo Autograph℠ Card**: No annual fee. - **Capital One Venture Rewards Credit Card**: Flat-rate travel rewards. - **Chase Sapphire Reserve®**: Bonus travel rewards and high-end perks.

When assessing the bankability of your business, it's crucial to understand the key factors that lenders consider when determining whether to extend credit. Achieving bankability means having a clear distinction between your personal and business credit while establishing a business entity capable of securing financing independently. **1. Lender Compliance: The Initial Checkpoint** The first step in becoming bankable is meeting lender compliance requirements. Lenders utilize sophisticated algorithms to evaluate the risk associated with your business when you apply for a loan. They assess various criteria to determine if your business falls into categories known for higher default rates. Until you meet these compliance standards, your business will be viewed as a higher risk, making it difficult to secure financing. **2. Business Credit History: Building a Solid Foundation** A strong business credit history is essential. If your business credit reports show fewer than ten reporting tradelines, you may not have sufficient credit history to be considered bankable. Additionally, if your tradelines only range from $300 to $500, they won’t demonstrate the “Comparable Credit” lenders are looking for. It's important to establish a track record of credit that aligns with the loan amount you are seeking. **3. Business Credit Scores: Aim for 70 or Higher** Just as personal credit scores play a significant role in your financial health, business credit scores are equally important. Your business should aim for a credit score of 70 or above, which is comparable to maintaining a personal score of 700. Unlike personal credit, where you might have a grace period for late payments, business credit reports are updated daily. This means that even a slight delay in payment can negatively impact your credit standing. **4. Business Bank Rating: Financial Stability Matters** Lenders will also evaluate your business bank rating, which reflects your ability to service debt or cover monthly loan payments. This rating is determined by your average daily balance in your business bank account over the past 90 days. To be considered bankable, you should strive for at least a "Low 5" bank rating. A solid bank rating indicates that your business has the financial capacity to meet repayment obligations.

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