Home > Jan 2023 Credit Card Tally

Jan 2023 Credit Card Tally

January 9th, 2023 at 04:10 pm

2023 TALLY:

Citi Premier 80,000 Bonus points (Moi) - DENIED  

Citi Premier 80,000 Bonus points (MH) - DENIED  


We haven't done these Citi rewards in a long time.  Because the rewards are mostly gift cards, and so not as enticing.  But I was enticed today.  

Was thinking recently that we should be fair and do a credit card reward to pay for DL(17)'s college laptop (same as we did for MM).  & then I saw a good credit card reward bonus and was denied.  I tried again for MH but was also denied.  He had opened more cards more recently, so I thought it would make more sense for me to do this deal. 

I think it's fair enough.  We both maybe already did this bonus 4 times.  I am just confused because I am hearing about this deal from people who have already done this 10 times.  For that, I am confused.  But I can't be too mad about it.

I did check our credit scores, after that.  & double checked I hadn't closed a Citi card in the past 24 months, as per rules.  Yeah, I haven't opened a new card in years and certainly no Citi cards for the past 3+ years.

I wanted to document here.  Because I won't have any record of this otherwise.  I want to remind myself not to bother applying for this card again (in the near future).

Edited:  Official reasons for denial.  1 - Utilizing too little of our credit.  (That's a new one).   & 2 - Too many open credit lines.  I thought #2 might be a possibility.  We have 4 credit cards we use regularly for rewards, and then we each have a credit card we share with the kids.  So I was wondering if that 5th credit card might be pushing us over.  I never got around to decreasing the credit limit on DL's credit card.  I will make sure that is still on my to do list.  & it's also on my list to close the credit card I shared with MM(19).  He has his own credit cards now.

I don't know if #2 is a real/legit thing, or is just code for "You already did this bonus 4 times already, so we don't want you."  We don't have high credit limits on most of our cards.  Just $1K on the retail credit card and just $5K on the card I share with MM(19).

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