据 DoC 消息:Citi 已经修改了一些信用卡的申请条款,将获得开卡奖励 Offer 的条件继续压缩。只要在 24 个月内开过或关过任意一张同类信用卡:ThankYou 系列(ThankYou Preferred, ThankYou Premier 或 Prestige)、AA(美航)、Hilton(希尔顿)或 Expedia 的信用卡,即无法获得新的开卡奖励。
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样例

Citi Prestige 卡

Bonus ThankYou points are not available if you have had ThankYou Preferred, ThankYou Premier or Citi Prestige cards opened or closed in the past 24 months.

Citi AA Platinum 卡:

American Airlines AAdvantage® bonus miles are not available if you have had any Citi / AAdvantage card (other than a CitiBusiness® / AAdvantage card) opened or closed in the past 24 months.

Citi

Citi 最近经历了很多变化:

  • 开卡奖励冷却时间从 18 个月增加到 24 个月;
  • ThankYou Preferred 和 ThankYou Premier 的开卡奖励纷纷消失;
  • Citi Prestige 福利大缩水;以及
  • 这次的 ThankYou 系列卡开卡奖励互斥

这里的趋势是非常明显的,就是开卡奖励不断缩水,拿的难度越来越大。Citi 卡的价值在逐渐降低。因而我们推荐有需求申 Citi 的卡的童鞋,可以尽量询问 Citi 查询自己是否有 Pre-Qualified Offer,可以绕过这个条款。或者也可以考虑申请商业(Business)卡绕过。现在也不知道 Citi 是否真的会执行这个条款,应该很快会有 DP 到来。
你有 Citi Prestige 或 AA 信用卡吗?你对此怎么看?