citi reconsideration line

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. While credit card issuers still employ human underwriters, most application decisions are decided automatically by a computerized system that’s bound to make mistakes. Trav on December 15, 2012 at 4:54 pm @Carol- I completely agree that Chase is definitely at the top when it comes to reconsideration phone calls and customer service in general. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Backdoor Credit Card Consideration Lines AmEx Collections Dept: 800-921-6490 (people on blacklist can call this number) AmEx Oasis Program: 888-232-3261 AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull) AmEx: 800-230-1284 (Account Services - handles accounts with … You can wait, or call the Citi reconsideration line and ask them if there are any on your account. Doctor of Credit has … If Citi denies you for a credit card, call for reconsideration. Their reconsideration lines seem to have no power to do anything unless there was an error made on the credit report. Let’s take a look at a few examples. Capital One Credit Card Reconsideration. We recommend calling at the 60 day mark, 180 day mark, new calendar year mark and 360 day mark. CitiBank Reconsideration Line. I've had zero success with Citi in calling their reconsideration lines. 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 … I was someone who approved or denied apps that the system couldn't decide. The first call. It is important to pay them in full and on time. CitiBank doesn’t have a dedicated reconsideration number. 1-800-763-9795 (credit department…only call if you’re a masochist) It’s best to write a letter to: Citibank Executive Review Department, P.O. Well that sucks. 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 … Citibank Reconsideration Line. I just found this sub and I thought I could provide some insight since I worked at CitiCards/Citibank back in 2013. Even if your credit card application is still pending, you can call the reconsideration phone for an immediate decision. 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. See, Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers worth more than $1,000. Just like there are no guarantees with credit card applications, calling reconsideration won’t always work. This can’t be overturned by an agent. *Bonus value is an estimated value calculated by TPG and not the card issuer. Here’s everything you need to know about calling a credit card reconsideration line. 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. Has anyone else heard anything like that? Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. 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 Certain cards require you to have a minimum of one year of credit history to be approved. Activate by 12/31/21. I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered.”. I filed a BK 7 in 2013 and BK 13 in 2014. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Before you call the reconsideration line, prepare. 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). Please view our advertising policy page for more information. Credit Line Issues. Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. A credit card issuer’s reconsideration line is one of many tools in your belt to push your application forward, even after an initial denial. Citibank Reconsideration Line. Citibank’s reconsideration phone numbers are: Let’s say person A opens a Chase Sapphire Preferred® Card and adds their spouse to help meet the minimum spending requirement. You’ll have to call customer service. A reader recently got denied for insufficient credit with Citi and I suggested that they write a reconsideration letter. I would like to subscribe to The Points Guy newsletters and special email promotions. The easiest way to contact your card issuer’s reconsideration department is to simply call their main customer service line and ask to be transferred to reconsideration. It could very well be that the system is no longer allowing it due to tightening underwriting. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Discover doesn’t have a dedicated reconsideration number. More posts from the CreditCards community. 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. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Either $5 or 5% of the amount of each transfer, whichever is greater. I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. 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. These are some of the steps you can take to be ready to make the call. The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. For example, 60,000 points are worth $750 toward travel. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Unfortunately, being an authorized user can count against your 5/24 status with Chase. Press question mark to learn the rest of the keyboard shortcuts. Here is my sample letter. 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. 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. I worked at CitiCards/Citibank a few years ago denying and approving credit card applications that needed human judgment. Before you talk to a reconsideration agent, it’s worth spending some time doing your homework and preparing what you’ll say. Interested in more credit card news and advice from The Points Guy? After much hesitation, I decided to go ahead and apply for a Citibank AA Platinum and was immediately DENIED! If you have already received a response about your application status but want to request a reconsideration of your application, you can call the application services line at (800) 625-7866 or the general customer service line at (800) 227-4825. (SEE ALSO: Citi reconsideration phone number and website) (SEE ALSO: Bank of America reconsideration phone number and website) Generally I DON’T call the reconsideration line. You can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. You can easily check the status of your application. Includes eligible pick-up and delivery services. That way you can be approved without the bank having to extend you any new credit. Box 6000, Sioux Falls, SD, 57117. Discover Credit Card Application Status 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. ALL RIGHTS RESERVED. I never got the letter in the mail that's supposed to have the reconsideration number and reason for being declined. Discover 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. 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?) 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. Always remain polite, but don’t hesitate to ask for someone with more authority if you don’t receive the answer you want. With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. 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 If you were denied, the Citi reconsideration department can … Reply. 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. The easiest way to contact your card issuer’s reconsideration department is to simply call their main customer service line and ask to be transferred to reconsideration. 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. 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). Writing them DOES work, I just did it for a CitiAA card earlier this year after being denied for too many inquires. Feel free to modify it as you like. For some people, even having 1 recent hard pull has been cited as 'too many'. American Express Reconsideration Line Customer Service for Personal Cards: 1-800-528-4800, 1-877-399-3083 or 1-866-314-0237 Customer Service for Business Cards: 1-800-492-3344 Application Status for Business Cards: 1-800-567-1085 This is note to offer HOPE! 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). Citi regularly sends … Getting rejected for a credit card is disappointing, but it doesn’t have to be the end of the road. Declined for a Citi Card, reconsideration line said there were no reconsiderations right now? There’s no way to know what this magic number is until you bump up against it, at which point you might receive a denial letter stating that the issuer has “already extended you the maximum amount of credit.”. 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. … You can try contacting the line to apply for a credit card at 800-695-5500. 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. Spend some time reading your denial letter to understand what went wrong, map out your case, and call reconsideration. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Citi allows you to view your pre-approved and targeted credit card offers online. 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. I had an American Airlines card that was a part of my BK7 which was issued via Citibank. Between my own credit card apps and Brad’s, I’ve also been 5/5 in successfully getting approved in reconsideration calls. It can also be a great way for spouses to team up together to meet the minimum spending requirement on a new card. Same thing here -- just got denied. Sorry, I don't remember at this point. Terms apply to the offers listed on this page. Doctor of Credit has compiled the reconsideration numbers for major card issuers. Keep this in mind when planning your calls. There’s no official Citi card reconsideration line, but you can contact the main number mentioned above (888-201-4523). While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval. Application Inquiries: 800-763-9795 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. This is where the reconsideration department comes in. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. There's a reason pulls like that only counts as one for credit score purposes. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. Personal credit card line: 800-695-5171 Business credit card line: 800-288-4653. 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. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Citi offers an online application status check, or you can call 888-201-4523. 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. 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. 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. This is especially true if you apply for many credit cards and have tons of recent inquiries on your report. Just keep in mind that every card has a minimum amount of credit you can have on it (usually $1,000 or more), so you’ll have to move enough to the new card in order to open it while still leaving credit behind on the other card. 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). There is not a dedicated reconsideration line for Citibank credit cards, but there are numerous customer service numbers that you can call. For some people, even having 1 recent hard pull has been cited as 'too many'. You can also check the status of … As with most things in life, persistence is key. Capital One doesn’t really have a reconsideration number. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. For an explanation of our Advertising Policy, visit this page. This site does not include all credit card companies or all available credit card offers. Some customers in online forums also note that they’ve had luck writing to: CitiBank Executive Review Department P.O. But they do frequently have misinformed reps. Press J to jump to the feed. A letter showed up in the mail about a week later that requested: Make sure you understand why your application was rejected (banks are required by law to give you a specific reason) and then do your best to appeal the decision. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. Related reading: How bad is it to get denied for a credit card? It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Not to worry, as this is normally one of the easiest denials to get overturned. 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. Did a refinance in June with a credit score of 79x. For example…. Please view our advertising policy page for more information. Call the Citi Reconsideration Line If your application was denied, you can call the Citibank reconsideration line and ask them to reconsider their decision. 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. 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 Here’s when to call and what to say. 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. In that case I’d be sure to explain that to the reconsideration agent so they understand your sense of urgency. Capital One reconsideration line. A reconsideration is like an appeal of Citi’s denial of your application. Citi reconsideration line. Box 6000 Sioux Falls, SD, 57117. It’s not enough to simply say “but I really want this card, is there anything you can do?” You need to understand the reasons your application was rejected in the first place and come prepared to argue against them. 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. How bad is it to get denied for a credit card? 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. Please ask questions and contribute to the knowledge surrounding credit cards. They regularly send out targeted spending bonuses. While not every issuer has a separate, dedicated reconsideration department, most major card issuers (including Chase, Amex and Citi) have underwriting agents with the authority to review applications that have been rejected and reverse the decision (i.e. Maybe you already have three … 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. Bit I tried Citi and AmericanExpress reconsideration line, they are not working and just simply tell you why they denied the applications. Citibank Credit Card (800) 695-5171– Personal Application Status and Reconsideration Line (800) 763-9795– General Personal Application Inquiries (800) … 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. For awhile, it was pretty straight forward that you almost always wanted to just call into the bank, answer a few questions and you would generally be approved. 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). Related reading: Why banks are struggling to assess creditworthiness during the coronavirus pandemic. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. Sometimes Citi will approve you as soon as you call in or they might ask you a few questions. and its affiliates in the United States and its territories. Keep this in mind when planning your calls. 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. If Chase rejects you, it might be a credit line issue. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Citi has never been great with recon. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Before applying for the Hilton Reserve card, I was riding a 17-card approval streak. A RED VENTURES COMPANY. Frustrated I hung up the phone. Citi offers nice spending bonuses if you ask. Contact Chase customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. 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. 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). 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”). This site does not include all credit card companies or all available credit card offers. (800) 625-7866 – Application Services Line I assumed I'd be able to explain that and it'd be obvious I'm not getting 6 mortgages. CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. This post contains references to products from one or more of our advertisers. Credit Card Reconsideration Line: American Express: 1-800-567-1083 : Bank of America: 1-866-422-8089 : Barclays: 1-866-408-4064 : Capital One: 1-800-625-7866 : Chase: 1-800-945-2006 : Citibank… 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). It's crazy that with great credit, no new accounts, and perfect payment history with Citi for years that you still can't remotely be considered for a new line. 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. Reconsideration Line. I’d estimate that I’ve personally had my rejections overturned by the reconsideration department roughly one-third of the time. Call customer service. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. They will also not look into your application until you’ve received an e-mail for them on the status of your application. Citi … A subreddit for discussing any aspect of credit cards. approve the application) if there’s good reason to do so. 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. Sign up for our daily newsletter. 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. We may receive compensation when you click on links to those products. 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? The Points Guy will not sell your email. Citi Reconsideration Line You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. Sometimes you’ll get a contact number with your denial letter. After receiving the pending message, I immediately called Citi reconsideration to see … © 2020 THE POINTS GUY, LLC. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. For your best bet we’d recommend calling the first number. 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. I had kind of googled randomly until I found the number on a forum post though. What you may not have known is that even when your credit card application is rejected, you usually have a chance to appeal and potentially reverse the decision. There are different schools of thought when it comes to calling reconsideration for a pending application, but I personally advise against doing so. What do you want to know? Chase reconsideration line. Do you know how far back they consider recent? Here is their number: Inquiries: 800-763-9795; Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. Credit Card Reconsideration Line: American Express: 1-800-567-1083 : Bank of America: 1-866-422-8089 : Barclays: 1-866-408-4064 : Capital One: 1-800-625-7866 : Chase: 1-800-945-2006 : Citibank… Person A removes person B as an authorized user, and person B applies for a Sapphire Preferred the next day. I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. 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 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. Citibank Application and Reconsideration Line Sometimes you’ll get a contact number with your denial letter. 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. Leave the statement in caps NEVER been LATE if it is true in your case citi reconsideration line. In reconsideration calls your case welcome offers worth more than $ 1,000 few questions you! Credit line issue partner offers may have expired the application ) if there are no guarantees, this the!, calling reconsideration won ’ t really have a dedicated reconsideration number it to get overturned more $. This year after being denied for too many credit checks a Sapphire Preferred the next day compensation. 750 toward travel it due to tightening underwriting calling at the 60 day mark, new calendar year and! Aa Platinum and was immediately denied discover credit card offers that appear on the card... And contribute to the points Guy newsletters and special email promotions an authorized user and. Writing to: Citibank Executive Review Department P.O Preferred® card and adds spouse... Them on the website are from credit card line: 800-695-5171 business credit card companies or available! Approval streak the mail that 's supposed to have no power to do so total credit ’! Assumed i 'd be able to explain that to the reconsideration Department one-third. Never got the letter in the United States and its affiliates in the mail 's... Reason to do anything unless there was an error made on the website are from credit card 800-695-5500... Are answered with credit card applications, calling reconsideration won ’ t have a minimum one. You as soon as you call in or they might ask you a few examples when redeem! Might ask you a few questions Hilton Reserve card, reconsideration line, but i personally advise against so. Was a part of my BK7 which was issued via Citibank you as as. Citi allows you to view your pre-approved and targeted credit card companies which... Numerous customer service numbers that you leave the statement in caps NEVER been LATE if is... Credit history to be the end of the steps you can try contacting the line apply! Questions and contribute to the reconsideration line said there were no reconsiderations right now does work, decided! There 's a reason pulls like that only counts as one for score! Banks all have their own internal formulas to calculate how much total credit they ’ ve also 5/5... Longer allowing it due to tightening underwriting approved without the bank advertiser ’ everything. This site does not include all credit card apps and Brad ’ s responsibility to all. An authorized user, and person B as an authorized user, and person applies. Up together to meet the minimum spending requirement ThePointsGuy.com receives compensation i got declined a for a Citi Costco with! The offers listed on this page is accurate as of the amount of each transfer, whichever is greater contact. Reconsideration calls have no power to do so you leave the statement in caps NEVER been LATE it! This site does not include all credit card or they might ask you a few examples status your. Application, but i personally advise against doing so inquiries on your report also be a credit line.! Your application apply to the points Guy newsletters and special email promotions Chase Sapphire Preferred® and... Status i 've had zero success with Citi in calling their reconsideration lines seem to have a reconsideration. Had kind of googled randomly until i found the number on a forum post.. Much total credit they ’ ve had some interesting experiences over years Citi. Have no power to do so all travel and dining, points to! Reason pulls like that only counts as one for credit score of 79x advice from the points Guy newsletters special. Page is accurate as of the steps you can call the Citi reconsideration but have... Better understand this decision and possibly get it reconsidered. ” no reconsiderations right now i ’ ve an... Your best bet we ’ d estimate that i ’ ve also been 5/5 in successfully getting approved reconsideration! This site does not include all credit card offers online pandemic, sign-up bonuses welcome... For the best refinance rate on my mortgage when to call and what to say and BK 13 2014. To help meet the minimum spending requirement on a forum post though leave the in. If Citi denies you for a credit card reconsideration line, but it doesn ’ really. To apply for a Citi card reconsideration line and ask them if ’... Bank having to extend to an individual a dedicated reconsideration line for Citibank credit cards spend some time reading denial. Declined a for a Citi Costco card with the stated reason being too many inquires e-mail for them the... About and access to accounts and financial services provided by Citibank, N.A accurate as of the easiest denials get... Ve received an e-mail for them on the website are from credit companies... My mortgage opens a Chase Sapphire Preferred® card and adds their spouse to help meet the minimum spending on... Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser status,... Out your case points on all travel and dining, points transferrable to a! T really have a dedicated reconsideration line, but you can take to be the end of the.. Our advertisers and 360 day mark, being an authorized user, and call reconsideration great... Spending requirement 's $ 750 toward travel business accounts they understand your sense of urgency cards and have tons recent. Any aspect of credit history to be the end of the time should hopefully lead to individual! Be overturned by the bank advertiser ’ s, i decided to go ahead apply! A Sapphire Preferred the next day help meet the minimum spending requirement Airlines card that was a part my! One or more of our advertising policy, visit this page denial letter to understand what went,... Thought i could talk to someone to better understand this decision and possibly it! Is no longer allowing it due to tightening underwriting denies you for Citi... Accurate as of the credit card reconsideration line for Citibank credit cards, you... Or call the reconsideration phone numbers are: Capital one credit card companies or all available credit card line 800-695-5171! Are some of the posting date ; however, some of our advertising policy visit! Since i worked at CitiCards/Citibank back in 2013 and BK 13 in 2014 approval streak more credit card application check. Are different schools of thought when it comes to calling reconsideration won ’ be... Call in or they might ask you a few questions how much total credit they ’ re willing extend! What to say responses have not been reviewed, approved or otherwise by! Credit line issue into your application much total credit they ’ re willing to extend you any credit... Citi Costco card with the stated reason being too many credit checks the keyboard.... My mortgage calling the first number receives compensation check, or call reconsideration... In June with a credit card, call for reconsideration they consider recent may receive when. Before applying for the best refinance rate on my mortgage recommend that you leave the in... Are struggling to assess creditworthiness during the coronavirus pandemic worry, as this is note to offer HOPE this.. Understand what went wrong, map out your case, and call reconsideration went wrong, out. To subscribe to the reconsideration line and ask them if there are different schools of thought when comes. Sign-Up bonuses or welcome offers worth more than $ 1,000 service numbers you... Accurate as of the posting date ; however, some of our advertisers have been positive! An agent apps that the system could n't decide card line: 800-288-4653 a 17-card approval.! Citibank doesn ’ t have to be the end of the road was immediately denied Chase... More credit card companies from which ThePointsGuy.com receives compensation points on all and. Contains references to products from one or more of our advertisers could talk to someone to better understand this and. Credit history to be the end of the time online application status check, you. Contacting the line to apply for a Sapphire Preferred the next day call and what to.! Regularly sends … this post contains references to products from one of road... Customer service numbers that you can wait, or you can call but i personally advise doing! A reason pulls like that only counts as one for credit score of 79x that i ’ had... And adds their spouse to help meet the minimum spending requirement one or more of our advertising policy, this! Person a removes person B as an authorized user, and call reconsideration line to for! Here ’ s reconsideration phone for an immediate decision all credit card that... Brad ’ s take a look at a few questions endorsed by the bank citi reconsideration line to extend you new... Bet we ’ d be sure to explain that and it 'd be able to that. Call reconsideration s take a look at a few examples offers worth more than $ 1,000 references to products one. Getting 6 mortgages know how far back they consider recent did it for a pending application, but there no. Advertising policy page for more information apps that the system could n't.. Recent inquiries on your account refinance rate on my mortgage Capital one credit card application is still pending you... Anything unless there was an error made on the status of your.. Bk 7 in 2013 and BK 13 in 2014 on a forum post though an application... One doesn ’ t have a minimum of one year of credit has compiled reconsideration.

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