TY 1/24

Understanding the TY 1/24 rule:

This rule is unique to the Citi ThankYou family. Simply put -- you'll be declined for a ThankYou card if you have either opened or closed a Citi ThankYou card in the past 24 months. For this reason, and since we generally don't recommend the Prestige card, you might want to consider closing your Premier card after 10 months. ThankYou points will expire 90 days after cancellation, so make sure you have used them or have found a transfer home beforehand.

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.