Yup. I have the same setup as you, except for the GM card.

4 CitiCards
Citi Professional
Associated Bank
2 CitiBusiness cards

SecondCor521 said:Well, I think the limit may be 4 regular Citi cards. In my recent A0R I got declined twice for Citi cards; they said I had the maximum number of cards that can be issued to an individual.

At the moment I do have 4 regular Citi personal cards plus a Citi Professional, 2 regular Citi business cards, as well as the GM and Associated Bank cards, which are issued by Citi but probably don't count against the 4 card limit.

2Cor521

they also limit exposure. i recently got a denial : Account Privilidges restricted.

have about 175K in limits on other cards (citi and affiliated) but wanted associated.

fortunately the lady let me transfer 24K and 24K to my citi professional for the 0% BT; the card was about 9 months old but had a $0 fee, 12 months from date of posting BT offer. which is awesome. I was denied the CL transfer originally 8 months ago but the CSR said WTF and put it through and it worked!

I recently applied for 2 citi cards. One was approved. The other one was rejected because they only allow you to apply for one card every 6 weeks.

ddyourself said:My recent applications were declined twice. I have a credit score around 750, with debt to credit ratio at 5%, I don't really see a problem there. Called, they claim each person can only hold at most 4 cards, apparently I have reached the limit. Is this true? Nobody has more than 4 accounts with citi?
Not True. I currently have 7 active citi personal credit cards. Last one(7th) was approved with very low CL(2K). Giving low CL is a way to limit your total credit exposure(control the risk) to citi, I guess.

I bet there are people in this forum with more citi cards.

No, citi does allow you more than 4

Make sure to cancel in time next year.

memberships fee dues are pro-rated refunded??

I think there might be different divisions of CITI, and one of them might have a max of 4 cards limit.

For example, I wanted to get a Citi Hilton Honors, and none of my cards could be converted into that. So they told me to apply for a new one.

Possible buckets at citi:

Personal Master Cards,
Personal Visa Cards,
Personal AMEX cards,
Affinity Cards (Airline, Hotel, etc),
Co-branded cards w/ other bank's names on them,
Small business cards.

I am pretty sure that between all those categories you can have way more than 4.

However, I am pretty sure that they do have a maximum credit exposure. The latter is based on income, though.

Visa/MC/AMEX have not shown any indications of triggering an extra "bucket" at citibank by themselves, all of the really good indiciations have been affinity/cobrand cards.

Sometimes, when trying to reallocate credit, the CSR will say it's because one card is a Visa and one is a MC. But that's because the CSR is an idiot.