As I reported back in August, Citi began enforcing a strict rule aimed at slowing down credit card churners. (read: churners) The rule, in short, says that you cannot receive a particular sign up bonus if you’ve opened or closed a card in that family in the last 24 months.
Put simply, under their standard language you would not be able to receive any Citi American Airlines credit card bonus if you’ve;
A. Signed up for ANY Citi AA credit in the last two years
B. Closed ANY Citi AA credit card in the last two years
However… it seems that Reddit has exposed a Citi AA Platinum card application which is missing the language disclosing this 24 month churning rule. Whether this is intentional or accidental, it seems as though Citi would have to honor their sign up bonus if they don’t warn against the 24 month policy.
Standard application language on the 50,000 miles bonus:
You can see above that the language clearly states that a 24 month cool-off period must take place before you can get the sign-up bonus again.
Now, here is the missing language on this potentially “leaked” Citi AA 50,000 mile Platinum application:
Citi, sometimes referred to by a rhyming four-letter-word, is notorious for back-peddling on their errors and non-disclosures. You can read horror stories of chasing down CitiBank with the help of the CFPB over a 50k bank account bonus. I eventually did receive my 50k AA bonus for enrolling in a CitiGold bank account, albeit after a lot of back-and-forth. Anyway, that is my word of warning. I would HIGHLY recommend you save the screenshot below showing no “24 month” language and the current date.
Additional word of advice, make sure all your communication with CitiBank is saved, which means you will want to email or chat only. Do not call and get a verbal confirmation, that means jack if you have to push them to honor the sign-up bonus.
If you are comfortable potentially having to escalate this to a superior, should they deny you at first, go for it. It is possible that they could fix this language AT ANY TIME so make sure to read the application first before applying.
Here is the link which shows no 24 month language at the time of my writing this post: DIRECT LINK