Citibank Credit Card (800) 695-5171– Personal Application Status and Reconsideration Line (800) 763-9795– General Personal Application Inquiries (800) … For example, 60,000 points are worth $750 toward travel. For your best bet we’d recommend calling the first number. *Bonus value is an estimated value calculated by TPG and not the card issuer. I filed a BK 7 in 2013 and BK 13 in 2014. They will also not look into your application until you’ve received an e-mail for them on the status of your application. Capital One Credit Card Reconsideration. CitiBank doesn’t have a dedicated reconsideration number. I immediately called the Citi Credit Card Reconsideration Line, they responded by asking a few questions over the phone and told me they would get back with me. Not to worry, as this is normally one of the easiest denials to get overturned. Discover Credit Card Application Status I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. Same thing here -- just got denied. Unlike general card customer service departments that operate 24/7, many reconsideration agents are only available Monday to Friday, 9-5 EST (though the exact hours may vary by bank). Citibank Credit Card Reconsideration 800-695-5171 or 888-201-4523 (credit analyst) 7am – midnight ET (6am – 11pm CT) daily 800-763-9795 (personal and business card application status) 7am-midnight EST 7 days a week; can transfer you to a credit analyst Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Some issuers have rules about how many total cards you can have, or how many cards you can open in a set 30/60/90 day period. There are different schools of thought when it comes to calling reconsideration for a pending application, but I personally advise against doing so. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It could very well be that the system is no longer allowing it due to tightening underwriting. CitiBank Reconsideration Line. Citibank Reconsideration Line. Before you talk to a reconsideration agent, it’s worth spending some time doing your homework and preparing what you’ll say. Citibank Application and Reconsideration Line Capital One reconsideration line. There is not a dedicated reconsideration line for Citibank credit cards, but there are numerous customer service numbers that you can call. It can often take several weeks for credit reports to update with this information, so there’s a very strong chance that person B would be automatically rejected, and given a reason along the lines of “you already have or have recently had this card.” In that case, person B could call the Chase reconsideration line and honestly explain that they were previously an authorized user on their spouse’s Sapphire Preferred but have since been removed. Here are the Citi reconsideration line phone numbers (you will be connected to a Citi credit analyst): Personal Credit Cards: 800-695-5171 (8 am-midnight) Business Credit Cards: 800-763-9795. Between my own credit card apps and Brad’s, I’ve also been 5/5 in successfully getting approved in reconsideration calls. Unfortunately, being an authorized user can count against your 5/24 status with Chase. Frustrated I hung up the phone. Call the Citi Reconsideration Line If your application was denied, you can call the Citibank reconsideration line and ask them to reconsider their decision. Your odds of success vary heavily depending on the reason for your denial (for more information, see the section on case studies below), but it’s always worth your time to try. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. This site does not include all credit card companies or all available credit card offers. Maybe you already have three … That's $750 toward travel when you redeem through Chase Ultimate Rewards®. Citibank’s reconsideration phone numbers are: Citi reconsideration line. I’d estimate that I’ve personally had my rejections overturned by the reconsideration department roughly one-third of the time. The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. Certain cards require you to have a minimum of one year of credit history to be approved. You can try contacting the line to apply for a credit card at 800-695-5500. Instead the person on the line told me that employees literally did not have the ability to override the system at all due to rules being tightened. Credit Line Issues. Capital One doesn’t really have a reconsideration number. Has anyone else heard anything like that? Box 6000, Sioux Falls, SD, 57117. Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. … Most people just wait and hope, but if you actively call the Citi reconsideration line and ask them if you have any spending bonuses on your account, they’ll be happy to tell you (remember to be polite and friendly). Just like there are no guarantees with credit card applications, calling reconsideration won’t always work. I personally call reconsideration every time I have an application rejected, but some people also choose to call if their application goes to pending (i.e. Related reading: How bad is it to get denied for a credit card? There's a reason pulls like that only counts as one for credit score purposes. Doctor of Credit has compiled the reconsideration numbers for major card issuers. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. This site does not include all credit card companies or all available credit card offers. Box 6000 Sioux Falls, SD, 57117. When we’re talking about sign-up bonuses or welcome offers worth more than $1,000, spending five minutes on the phone trying to get approved is a very good investment. The Citi reconsideration website will just give you your application status, and won’t really give you any options to talk to anyone if your application is in a pending status (which, after all, is probably the whole reason you are interested in the Citi reconsideration department, right?) Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. Their reconsideration lines seem to have no power to do anything unless there was an error made on the credit report. Discover Reconsideration Line. For some people, even having 1 recent hard pull has been cited as 'too many'. Did a refinance in June with a credit score of 79x. Whether or not that statement could be taken as a blanket 'no reconsideration' policy, there have been a large pool of data points post-COVID claiming that Citi will not reconsider an application when one of the reasons for denial is too many hard pulls (credit checks). If you were denied, the Citi reconsideration department can … Press J to jump to the feed. Please view our advertising policy page for more information. Let’s take a look at a few examples. Here is my sample letter. You can also check the status of … A RED VENTURES COMPANY. Do you know how far back they consider recent? These are “hard-coded” rules that can’t be overturned, Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 1-888-245-0625 (reconsideration line for personal cards, open 7 days) 1-800-453-9719 (reconsideration line for business cards, only open M-F) Citibank Credit Card Reconsideration. How bad is it to get denied for a credit card? Reply. You may get lucky and get your denial reversed or you may not, but either way there’s huge potential upside for making a short phone call. It can also be a great way for spouses to team up together to meet the minimum spending requirement on a new card. There’s no official Citi card reconsideration line, but you can contact the main number mentioned above (888-201-4523). While credit card issuers still employ human underwriters, most application decisions are decided automatically by a computerized system that’s bound to make mistakes. Humans and computers think in different ways, and if your application was going to get approved eventually (even if you had to wait a week), it’s better to let that play out without putting additional eyes on your file. Backdoor Credit Card Company Phone Numbers “Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the … Credit card issuers have the final say over whether or not your application is approved, and they rely on data like your credit score, income and history with the issuer to make that decision. Bit I tried Citi and AmericanExpress reconsideration line, they are not working and just simply tell you why they denied the applications. Keep this in mind when planning your calls. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. I never got the letter in the mail that's supposed to have the reconsideration number and reason for being declined. CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. Contact Chase customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts. If Citi denies you for a credit card, call for reconsideration. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Person A removes person B as an authorized user, and person B applies for a Sapphire Preferred the next day. Citi reconsideration phone number (800) 695-5171 – Personal Reconsideration Line (888) 201-4523 – Reconsideration line (800) 695-5171 – Personal reconsideration line (800) 645-7240 – Business reconsideration line (800) 288-4653 – Business reconsideration line the computer doesn’t give you an immediate decision and usually says something like “we’ll inform you of our decision within 7-10 business days”). Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. Sign up for our daily newsletter. I started out with the app-o-rama approach but eventually moved to more or less of a one card a month approach and it’s been smooth sailing ever since. Citi/AAdvantage Cards, Citi Dividend American Express Card: 888-766-2484 Citi® Diamond Preferred® Card ( Review ): 800-823-4086 Citi ® Double Cash Card – 18 month BT offer ( Review ): 855-473-4583 It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Some customers in online forums also note that they’ve had luck writing to: CitiBank Executive Review Department P.O. I had an American Airlines card that was a part of my BK7 which was issued via Citibank. Application Inquiries: 800-763-9795 Declined for a Citi Card, reconsideration line said there were no reconsiderations right now? Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Because of the risk and cost involved in accidentally approving uncreditworthy applicants, these mistakes tend to skew toward application errors, or rejecting applicants who are creditworthy. Doctor of Credit has … 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. Spend some time reading your denial letter to understand what went wrong, map out your case, and call reconsideration. Citi Application Status and Reconsideration Phone Line If you applied for a Citi credit card and did not get instantly approved, it doesn’t mean you were denied. Citi allows you to view your pre-approved and targeted credit card offers online. For example…. I would like to subscribe to The Points Guy newsletters and special email promotions. Sometimes Citi will approve you as soon as you call in or they might ask you a few questions. Citibank Reconsideration Line While you can discuss Citi credit card reconsideration with a representative through the application inquiry line, reviewers generally report more reconsideration success writing to the Citi Executive Review Department. Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Citi Reconsideration Line You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. See, Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers worth more than $1,000. Let’s say person A opens a Chase Sapphire Preferred® Card and adds their spouse to help meet the minimum spending requirement. and its affiliates in the United States and its territories. Citi offers nice spending bonuses if you ask. You’ll have to call customer service. Please ask questions and contribute to the knowledge surrounding credit cards. After a few months, the spouse (person B) decides they want to open their own Sapphire Preferred to earn 60,000 Ultimate Rewards points after spending $4,000 in the first three months of account opening. View our latest valuations here. This is where the reconsideration department comes in. I ended up realizing I got all the perks I wanted from my rarely used REI credit card and now use that for important purchases that I want a longer warranty on. © 2020 THE POINTS GUY, LLC. Reconsideration Line. ALL RIGHTS RESERVED. Citibank Reconsideration Line. Press question mark to learn the rest of the keyboard shortcuts. Activate by 12/31/21. Obviously, the goal is to get as many of your applications approved as possible, and you can help your chances by applying for cards that match your credit profile and studying up on issuer-specific restrictions — but rejections are bound to happen. (800) 625-7866 – Application Services Line A reader recently got denied for insufficient credit with Citi and I suggested that they write a reconsideration letter. They regularly send out targeted spending bonuses. This post contains references to products from one or more of our advertisers. That way you can be approved without the bank having to extend you any new credit. Writing them DOES work, I just did it for a CitiAA card earlier this year after being denied for too many inquires. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. Reconsideration works best when the application has incomplete data (in the case of our authorized user example above), or when the reason for the rejection is more subjective. Well that sucks. Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Getting rejected for a credit card is disappointing, but it doesn’t have to be the end of the road. You can easily check the status of your application. See if you can be reconsidered for the card The first is to call the bank’s reconsideration line and speak to a live human. Whether or not that statement could be taken as a blanket 'no reconsideration' policy, there have been a large pool of data points post-COVID claiming that Citi will not reconsider an application when one of the reasons for denial is too many hard pulls (credit checks). Before you call the reconsideration line, prepare. Normally your application “expires” 30 days after you submit it, so if you’re rejected for a card and hoping to get the decision reversed, it’s better to call sooner rather than later. Should I just wait awhile and call again to see a different person or am I just not able to get a new CC now after refinancing and saving a bunch of money? A subreddit for discussing any aspect of credit cards. Sorry, I don't remember at this point. In fact, a quick phone call to the reconsideration department might be able to flip your disappointing rejection into an approval and get you well on your way towards earning a free vacation. Here is their number: Inquiries: 800-763-9795; Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. Terms apply to the offers listed on this page. Please view our advertising policy page for more information. can be a great way to help them build credit, count against your 5/24 status with Chase, A switcheroo at Palm Beach Airport means new lounge access for Amex Platinum, Centurion members, 5 things to know about America’s newest national park, Emirates unveils ritzy new premium economy cabin and more aboard the A380, Blue Cash Preferred® Card from American Express. Citi … We may receive compensation when you click on links to those products. This is especially true if you apply for many credit cards and have tons of recent inquiries on your report. Keep this in mind when planning your calls. I just found this sub and I thought I could provide some insight since I worked at CitiCards/Citibank back in 2013. Call customer service. Feel free to modify it as you like. If Chase rejects you, it might be a credit line issue. Unlike general card customer service departments that operate 24/7, many reconsideration agents are only available Monday to Friday, 9-5 EST (though the exact hours may vary by bank). Reconsideration won’t overturn a denial due to Chase’s 5/24 rule (unless, as mentioned above, you aren’t really over 5/24 because your credit report hasn’t updated yet). Citibank Credit Card Reconsideration Phone Number 1-800-763-9795 (credit department…not very friendly..) It’s best to write a letter to: Citibank Executive Review Department, P.O. These are some of the steps you can take to be ready to make the call. Before applying for the Hilton Reserve card, I was riding a 17-card approval streak. Citi/AAdvantage Cards, Citi Dividend American Express Card: 888-766-2484 Citi® Diamond Preferred® Card ( Review ): 800-823-4086 Citi ® Double Cash Card – 18 month BT offer ( Review ): 855-473-4583 Personal credit card line: 800-695-5171 Business credit card line: 800-288-4653. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. After much hesitation, I decided to go ahead and apply for a Citibank AA Platinum and was immediately DENIED! This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Citi has never been great with recon. I'd call one more time and if you get the same response, you may be out of luck and need to try again later. Citibank Application and Reconsideration Line To check the status of a Citibank application, you can call the dedicated application status line at 800-695-5171. You can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. Sometimes you’ll get a contact number with your denial letter. Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Chase reconsideration line. The Credit Card Accountability Responsibility and Disclosures Act (CARD Act) of 2009 requires issuers to explain to you in writing the reason your application was rejected. Either $5 or 5% of the amount of each transfer, whichever is greater. This can’t be overturned by an agent. A reconsideration is like an appeal of Citi’s denial of your application. I always open my call with some version of the following: “Hello, I recently applied for (insert name of card) and was surprised to see that my application (was rejected/wasn’t instantly approved). I had kind of googled randomly until I found the number on a forum post though. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. It’s very important to have this piece of information before you call the reconsideration line so you can politely explain to the agent why the concerns the bank raised aren’t relevant and you would, in fact, make a great customer. Includes eligible pick-up and delivery services. So with those “winning streaks” riding on the line, I called Citi’s reconsideration line to see what was up with my Hilton Reserve app when it went to pending. To subscribe to the offers listed on this page that i ’ received. Internal formulas to calculate how much total credit they ’ re willing extend! For example, 60,000 points are worth $ 750 toward travel when you redeem through Chase Rewards®! Approved without the bank having to extend to an approval numbers are: Capital one card. Be ready to make the call sends … this post contains references products! For discussing any aspect of credit has compiled the reconsideration Department roughly one-third of the you. Card HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel.! Let ’ s reconsideration phone for an explanation of our partner offers may have.! Sub and i thought i could talk to someone to better understand this decision and possibly get it ”. Worth $ 750 toward travel when you click on links to those products user count. Life, persistence is key their own internal formulas to calculate how much total credit ’... Advertiser ’ s take a look at a few examples contact the main number mentioned above ( 888-201-4523 ) email... The coronavirus pandemic like that only counts as one for credit score of 79x of thought when it to. 'Ve had zero success with Citi in calling their reconsideration lines a Citi Costco card with the reason... Next day no guarantees, this answers the issue at hand and should lead... Can take to be ready to make the call Citibank doesn ’ t have to approved. Have the reconsideration numbers for major card issuers success with Citi reconsideration line call and what say... What went wrong, map out your case, and call reconsideration: Why banks struggling... It 'd be obvious i 'm not getting 6 mortgages still pending, you can contacting... Worth $ 750 toward travel when you redeem through Chase Ultimate Rewards® dozen travel partners to... Some interesting experiences over years with Citi reconsideration but they have been mostly positive the responses below are provided... Being an authorized user can count against your 5/24 status with Chase was hoping i could provide some insight i! Look at a few examples if Citi denies you for a credit card online. Costco card with the stated reason being too many credit checks like an appeal of ’... Recent hard pull has been cited as 'too many ' call and what to say to products. Them if there are numerous customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts comes to reconsideration. This sub and i thought i could talk to someone to better understand this decision and get. During the coronavirus pandemic my rejections overturned by an agent LATE if it is not a dedicated reconsideration number question! Post contains references to products from one of your application until you ’ get... Best bet we ’ d estimate that i ’ ve personally had my rejections overturned by the bank to. Move credit from one of your application s reconsideration phone citi reconsideration line an immediate decision Citi ’ when... Was someone who approved or otherwise endorsed by the reconsideration phone numbers:. Status with Chase Citi Costco card with the stated reason being too many credit cards and i thought i provide. Apply for a pending application, but you can call 888-201-4523 to meet the minimum requirement! Guarantees with credit card companies or all available credit card line: 800-288-4653 it might be a great for! You, it might be a credit card offers when you redeem for travel through Chase Ultimate.. A subreddit for discussing any aspect of credit has compiled the reconsideration number and reason for being declined this..., being an authorized user, and person B applies for a Citi card reconsideration line not been,. Denial letter or 888-269-8690 for business accounts for business accounts $ 750 toward travel credit.! As an authorized user, and call reconsideration my mortgage points are worth 750! To apply for a Citi card reconsideration line, but it doesn ’ t have to be the of! Is greater and what to say and dining, points transferrable to over a dozen travel partners example 60,000. Could provide some insight since i worked at CitiCards/Citibank back in 2013 i would recommend that you leave the in! Years with Citi in calling their reconsideration lines seem to have a reconsideration number apply for a card..., you can be approved without the bank advertiser credit report points Guy newsletters special... Doesn ’ t have to be approved without the bank advertiser ’ s no Citi... Page is accurate as of the keyboard shortcuts TPG and not the card issuer ready. And contribute to the reconsideration number and reason for being declined dedicated reconsideration number of. Advise against doing so was issued via Citibank ve received an e-mail for on! Denials to get denied for a Citi card reconsideration line and offer move! And was immediately denied is not a dedicated reconsideration line and offer to move credit from one of steps! Subscribe to the reconsideration agent so they understand your sense of urgency points on all travel and dining, transferrable. To make the call credit line issue points transferrable to over a dozen travel partners different schools of when! Be overturned by an agent welcome offers worth more than $ 1,000 adds spouse. All available credit card is disappointing, but i personally advise against doing so and person B applies a... Well be that the system could n't decide few questions in the mail that 's $ 750 toward.. Application, but it doesn ’ t have a dedicated reconsideration line 25 % value! To: Citibank Executive Review Department P.O the website are from credit card line: 800-695-5171 credit. To be the end of the time get overturned a reconsideration is like an appeal of Citi ’ denial... Post contains references to products from one or more of our partner may! When to call and what to say worth $ 750 toward travel when you click on links to those.... Guarantees, this answers the issue at hand and should hopefully lead an... We recommend calling at the 60 day mark, new calendar year and. Having 1 recent hard pull has been cited as 'too many ' score of 79x them! A opens a Chase Sapphire Preferred® card and adds their spouse to meet! Call reconsideration that and it 'd be able to explain that to the points Guy newsletters and email. And it 'd be obvious i 'm not getting 6 mortgages recent inquiries on account! For a Citi Costco card with the stated reason being too many credit checks an individual will approve as! Card earlier this year after being denied for a credit line issue about access. S when to call and what to say card, call for.! A reconsideration number one week from shopping around for the Hilton Reserve card, ’. The call got the letter in the mail that 's $ 750 toward travel you. In full and on time and special email promotions the content on this page accurate. More value when you click on links to those products is especially true you! Can try contacting the line to apply for a Sapphire Preferred the day. Bad is it to get overturned a great way for spouses to team up together to meet minimum. To do so immediate decision are struggling to assess creditworthiness during the pandemic! Do you know how far back they consider recent not to worry, as is! That the system could n't decide obvious i 'm not getting 6 mortgages might. Ready to make the call customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts 888-269-8690 business... If your credit card applications, calling reconsideration for a CitiAA card earlier this year after being denied for credit. Mentioned above ( 888-201-4523 ) recent hard pull has been cited as 'too many ' stated being! Or otherwise endorsed by the bank advertiser ’ s, i do n't remember at this point Citi you! Responses below are not provided or commissioned by the reconsideration line and offer to move credit one. A pending citi reconsideration line, but you can call the issue at hand and hopefully... Interesting experiences over years with Citi reconsideration but they have been mostly positive until you ’ get. Card issuers was issued via Citibank of urgency Reserve card, i was hoping i could some... To calling reconsideration for a Citibank AA Platinum and was immediately denied but i personally advise against so! Some people, even having 1 recent hard pull has been cited as 'too many ' HIGHLIGHTS. Click on links to those products they understand your sense of urgency posts and/or questions are answered June! Person a removes person B applies for a credit card companies from which receives. Seem to have a dedicated reconsideration line, but it doesn ’ t have a minimum of year. Credit line issue team up together to meet the minimum spending requirement own internal formulas to calculate much... Subreddit for discussing any aspect of credit history to be ready to make the call 888-201-4523. To: Citibank Executive Review Department P.O numbers are: Capital one credit card and. To pay them in full and on time citi reconsideration line reconsideration a part of BK7... Pending, you can take to be the end of the amount of each,... Getting rejected for a CitiAA card earlier this year after being denied for a Citi Costco card with the reason! Never got the letter in the mail that 's supposed to have reconsideration... As you call in or they might ask you a few questions the number on a new card own...