Is Citi Getting Tougher With Premier Approvals?


Citi increased the welcome offer on their Premier card to 80,000 points recently which is the highest bonus they’ve ever offered on the card.

As a result, many people have jumped on the opportunity to earn a stack of ThankYou points. Unfortunately it seems like a lot of those applicants have had their plans foiled because Citi has declined their application which raises the question – is Citi getting tougher with approvals on the Premier card?

Citi Premier credit card

Miles to Memories posited the same question a few days ago as they’d noticed data points suggesting that Citi wasn’t being quite as generous with approvals as you might expect given historical approvals.

We’ve noticed the same thing in the Frequent Miler Insiders group with a reader reporting that she got declined for the following reasons:

  • Your credit report shows a high amount of unused credit compared to your available credit lines.
  • Your credit report shows too many bank or national revolving accounts.

Several other group members subsequently shared on that thread that they too had been declined for the Premier card for similar reasons.

Citi has been pretty easy on new approvals in the past, so have they really gotten more stingy with approvals, or are we just hearing more data points of applications being declined due to a correspondingly higher number of people applying for the card in the first place due to the increased welcome offer?

Even if you are declined for the Citi Premier card, all hope might not be lost. One of the commenters on that Facebook thread shared that they were declined for the Premier card and then called the reconsideration line (1-800-695-5171). The agent he spoke to then approved his application without any further information being required. I suspect that your success when calling the reconsideration line will be highly a case of YMMV, but it’s certainly worth a try if Citi initially declines you for a new Premier card.


Have you applied for the Citi Premier 80,000 ThankYou point offer? If so, were you successful? If not, did they give a different reason to those above? Let us know in the comments below.

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