Documented rule history
Active — last confirmed November 3, 2023Is the Citi 8/65 velocity rule still active? On our documented record it is active, last confirmed November 3, 2023: Five-day recent-inquiry auto-decline added. We have 3 dated, sourced changes on record since 2017. Statuses reflect documented confirmations, not live issuer policy.
Every documented change — newest first
November 3, 2023
Five-day recent-inquiry auto-decline added
Reports indicated applications were auto-declined if any bank had pulled the applicant's credit in the previous five days, with the stale pull reused for up to 60 days unless reconsideration requested a fresh one.
July 1, 2018
Reported one-card-per-60-days limit judged not a firm rule
Date approximate. Some applicants were told only one new card could be approved per 60 days; Doctor of Credit concluded this reflected fraud screening when applying for two of the same card rather than a firm approval rule.
March 27, 2017
Rule first documented (1 per 8 days, 2 per 65 days, business 1 per 95 days)
Date approximate; taken from the March 2017 screenshot in Doctor of Credit's original post. The real window is 60 days, with 65 used as a safeguard; business applications require a 90-day gap, and denials still count.
Questions
Yes — active on our documented record, as last confirmed November 3, 2023: Five-day recent-inquiry auto-decline added. Always verify before applying — issuers change unwritten rules without notice.
March 27, 2017: Rule first documented (1 per 8 days, 2 per 65 days, business 1 per 95 days). Since then we have documented 3 changes, each dated and sourced on this page.
November 3, 2023 — Five-day recent-inquiry auto-decline added. Reports indicated applications were auto-declined if any bank had pulled the applicant's credit in the previous five days, with the stale pull reused for up to 60 days unless reconsideration requested a fresh one.
Application rules are unwritten issuer policy; they change and get enforced without notice, and exceptions exist. Statuses reflect our last documented confirmation, not live issuer policy. Not financial or legal advice.
Bonus Eagle. “Citi 8/65 velocity rule — The Application Rules Record.” bonuseagle.com. https://www.bonuseagle.com/rules/citi/8-65-velocity-rule
All Citi rules: the full issuer page.
