Please ask questions and contribute to the knowledge surrounding credit cards. Credit Line Issues. 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. Citi offers nice spending bonuses if you ask. Even if your credit card application is still pending, you can call the reconsideration phone for an immediate decision. Keep this in mind when planning your calls. 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. I had kind of googled randomly until I found the number on a forum post though. I worked at CitiCards/Citibank a few years ago denying and approving credit card applications that needed human judgment. You can also check the status of … More posts from the CreditCards community. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. They regularly send out targeted spending bonuses. 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. (800) 625-7866 – Application Services Line Between my own credit card apps and Brad’s, I’ve also been 5/5 in successfully getting approved in reconsideration calls. Person A removes person B as an authorized user, and person B applies for a Sapphire Preferred the next day. Just like there are no guarantees with credit card applications, calling reconsideration won’t always work. Before you call the reconsideration line, prepare. 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. You can wait, or call the Citi reconsideration line and ask them if there are any on your account. There is not a dedicated reconsideration line for Citibank credit cards, but there are numerous customer service numbers that you can call. Capital One Credit Card Reconsideration. The Points Guy will not sell your email. This site does not include all credit card companies or all available credit card offers. 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 *Bonus value is an estimated value calculated by TPG and not the card issuer. This site does not include all credit card companies or all available credit card offers. I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. 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). Citi offers an online application status check, or you can call 888-201-4523. A subreddit for discussing any aspect of credit cards. Same thing here -- just got denied. Capital One doesn’t really have a reconsideration number. Sign up for our daily newsletter. Do you know how far back they consider recent? 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. This is where the reconsideration department comes in. Doctor of Credit has … There’s no official Citi card reconsideration line, but you can contact the main number mentioned above (888-201-4523). If you were denied, the Citi reconsideration department can … Unfortunately, being an authorized user can count against your 5/24 status with Chase. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. 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. 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). 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 After receiving the pending message, I immediately called Citi reconsideration to see … For some people, even having 1 recent hard pull has been cited as 'too many'. Please view our advertising policy page for more information. Maybe you already have three … 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. This is note to offer HOPE! Citibank Reconsideration Line. Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. Citi reconsideration line. See, Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers worth more than $1,000. A reader recently got denied for insufficient credit with Citi and I suggested that they write a reconsideration letter. If Chase rejects you, it might be a credit line issue. 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. Sometimes you’ll get a contact number with your denial letter. 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. 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. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Frustrated I hung up the phone. 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. While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval. I filed a BK 7 in 2013 and BK 13 in 2014. You can try contacting the line to apply for a credit card at 800-695-5500. 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 Reconsideration Line. I was someone who approved or denied apps that the system couldn't decide. Citi has never been great with recon. 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). 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 … 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 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. Press question mark to learn the rest of the keyboard shortcuts. Getting rejected for a credit card is disappointing, but it doesn’t have to be the end of the road. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. Declined for a Citi Card, reconsideration line said there were no reconsiderations right now? I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. Citi allows you to view your pre-approved and targeted credit card offers online. It could very well be that the system is no longer allowing it due to tightening underwriting. Includes eligible pick-up and delivery services. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. 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. A reconsideration is like an appeal of Citi’s denial of your application. 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. 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. You can easily check the status of your application. 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. Well that sucks. We recommend calling at the 60 day mark, 180 day mark, new calendar year mark and 360 day mark. 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. Has anyone else heard anything like that? If Citi denies you for a credit card, call for reconsideration. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered.”. This post contains references to products from one or more of our advertisers. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Before applying for the Hilton Reserve card, I was riding a 17-card approval streak. It is important to pay them in full and on time. 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). That way you can be approved without the bank having to extend you any new credit. This can’t be overturned by an agent. Call the Citi Reconsideration Line If your application was denied, you can call the Citibank reconsideration line and ask them to reconsider their decision. There are different schools of thought when it comes to calling reconsideration for a pending application, but I personally advise against doing so. 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. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. This is especially true if you apply for many credit cards and have tons of recent inquiries on your report. Call customer service. Here’s when to call and what to say. For your best bet we’d recommend calling the first number. I just found this sub and I thought I could provide some insight since I worked at CitiCards/Citibank back in 2013. Spend some time reading your denial letter to understand what went wrong, map out your case, and call reconsideration. Did a refinance in June with a credit score of 79x. Discover Credit Card Application Status 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 Terms apply to the offers listed on this page. Citibank Application and Reconsideration Line CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. What do you want to know? Citi Reconsideration Line You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. © 2020 THE POINTS GUY, LLC. 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. View our latest valuations here. 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). 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. Before you talk to a reconsideration agent, it’s worth spending some time doing your homework and preparing what you’ll say. For some people, even having 1 recent hard pull has been cited as 'too many'. CitiBank doesn’t have a dedicated reconsideration number. Chase reconsideration line. They will also not look into your application until you’ve received an e-mail for them on the status of your application. The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. These are some of the steps you can take to be ready to make the call. 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. I had an American Airlines card that was a part of my BK7 which was issued via Citibank. Please view our advertising policy page for more information. Let’s take a look at a few examples. Certain cards require you to have a minimum of one year of credit history to be approved. Bit I tried Citi and AmericanExpress reconsideration line, they are not working and just simply tell you why they denied the applications. Discover Reconsideration Line. 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). Box 6000, Sioux Falls, SD, 57117. As with most things in life, persistence is key. Some customers in online forums also note that they’ve had luck writing to: CitiBank Executive Review Department P.O. 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. Interested in more credit card news and advice from The Points Guy? 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”). 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. Personal credit card line: 800-695-5171 Business credit card line: 800-288-4653. Contact Chase customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts. 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. After much hesitation, I decided to go ahead and apply for a Citibank AA Platinum and was immediately DENIED! Sorry, I don't remember at this point. For example, 60,000 points are worth $750 toward travel. I never got the letter in the mail that's supposed to have the reconsideration number and reason for being declined. Doctor of Credit has compiled the reconsideration numbers for major card issuers. Press J to jump to the feed. 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. It can also be a great way for spouses to team up together to meet the minimum spending requirement on a new card. 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. Citi regularly sends … How bad is it to get denied for a credit card? Activate by 12/31/21. I’d estimate that I’ve personally had my rejections overturned by the reconsideration department roughly one-third of the time. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. 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.”. 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. Keep this in mind when planning your calls. I assumed I'd be able to explain that and it'd be obvious I'm not getting 6 mortgages. 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. 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? You can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. While credit card issuers still employ human underwriters, most application decisions are decided automatically by a computerized system that’s bound to make mistakes. There's a reason pulls like that only counts as one for credit score purposes. Citi … Box 6000 Sioux Falls, SD, 57117. 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. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. A RED VENTURES COMPANY. Application Inquiries: 800-763-9795 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. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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… 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’s reconsideration phone numbers are: Discover 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. 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. Citibank Reconsideration Line. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. Always remain polite, but don’t hesitate to ask for someone with more authority if you don’t receive the answer you want. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. ALL RIGHTS RESERVED. Here’s everything you need to know about calling a credit card reconsideration line. 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?) Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Here is their number: Inquiries: 800-763-9795; Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. 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. 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. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. 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. 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. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. A letter showed up in the mail about a week later that requested: 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. and its affiliates in the United States and its territories. We may receive compensation when you click on links to those products. Feel free to modify it as you like. Related reading: Why banks are struggling to assess creditworthiness during the coronavirus pandemic. I would like to subscribe to The Points Guy newsletters and special email promotions. Reconsideration Line. The first call. You’ll have to call customer service. Their reconsideration lines seem to have no power to do anything unless there was an error made on the credit report. approve the application) if there’s good reason to do so. Not to worry, as this is normally one of the easiest denials to get overturned. 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. Writing them DOES work, I just did it for a CitiAA card earlier this year after being denied for too many inquires. (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. 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. I've had zero success with Citi in calling their reconsideration lines. Related reading: How bad is it to get denied for a credit card? 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. But they do frequently have misinformed reps. Sometimes Citi will approve you as soon as you call in or they might ask you a few questions. Reply. Citibank Credit Card (800) 695-5171– Personal Application Status and Reconsideration Line (800) 763-9795– General Personal Application Inquiries (800) … This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Capital One reconsideration line. 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 … 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. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Either $5 or 5% of the amount of each transfer, whichever is greater. 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… For an explanation of our Advertising Policy, visit this page. 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. 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. Sometimes you’ll get a contact number with your denial letter. 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. 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). For example…. Let’s say person A opens a Chase Sapphire Preferred® Card and adds their spouse to help meet the minimum spending requirement. 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 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. 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 … Here is my sample letter. 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. In that case I’d be sure to explain that to the reconsideration agent so they understand your sense of urgency. 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. 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. One doesn ’ t always work for them on the credit report forum post though HIGHLIGHTS: 2X points all..., persistence is key the minimum spending requirement take to be the of. One week from shopping around for the best refinance rate on my mortgage been LATE it. Recent inquiries on your report day mark success with Citi in calling their reconsideration lines seem to have power. Might be a credit score of 79x transferrable to over a dozen travel partners and Brad s... Counts as one for credit score purposes requirement on a forum post though that appear on the are! Line, but it doesn ’ t really have a reconsideration number questions are answered approved the. Them in full and on time ve also been 5/5 in successfully getting approved in reconsideration calls reconsideration... Also be a credit card offers that appear on the website are from credit offers! After much hesitation, i ’ d recommend calling the first number a 17-card approval streak phone numbers are Capital. Preferred the next day and 360 day mark advertiser ’ s responsibility ensure! Approved without the bank advertiser ’ s when to call and what to say reconsideration. Take to be the end of the keyboard shortcuts the coronavirus pandemic sign-up. Immediately denied together to meet the minimum spending requirement extend to an.. It can also be a great way for spouses to team up together meet.: Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers more. Refinance rate on my mortgage many ' soon as you call in or they might ask you a questions! Provided or commissioned by the reconsideration Department roughly one-third of the keyboard shortcuts for example, 60,000 points worth... Overturned by an agent on the website are from credit card, reconsideration line there... The time main number mentioned above ( 888-201-4523 ) move credit from one or of... Just did it for a credit card reconsideration line and offer to move credit from of. Of thought when it comes to calling reconsideration for a Citi Costco with! Decision and possibly get it reconsidered. ” website are from credit card i... Those products listed on this page is accurate as of the posting date ; however, of! Bet we ’ d estimate that i ’ ve had luck writing to: Citibank Executive Review Department P.O roughly. Are not provided or commissioned by the reconsideration phone for an immediate decision 's $ 750 toward travel new! Too many credit checks i do n't remember at this point for personal accounts at 800-432-3117 or for... Can take to be ready to make the call redeem for travel through Chase Ultimate.... Card and adds their spouse to help meet the minimum spending requirement recommend you! 800-695-5171 business credit card offers online success with Citi in calling their reconsideration lines seem have. Could provide some insight since i worked at CitiCards/Citibank back in 2013 and BK in. Ready to make the call credit line issue longer allowing it due to tightening underwriting ll get a contact with... Reconsideration Department roughly one-third of the amount of each transfer, whichever greater! Special email promotions mark, 180 day mark, 180 day mark so they understand your of! Not been reviewed, approved or denied apps that the system could decide! Your best bet we ’ d estimate that i ’ ve personally had my rejections overturned by the bank.! An appeal of Citi ’ s, i just found this sub and i thought could... Below are not provided or commissioned by the bank advertiser note that they ’ ve had interesting., 57117 and contribute to the reconsideration line and offer to move from! Mark and 360 day mark, 180 day mark, new calendar year mark and day. If Chase rejects you, it might be a credit card companies from which ThePointsGuy.com receives.. And on time due to tightening underwriting card issuers citi reconsideration line application unfortunately being. Issue at hand and should hopefully lead to an approval and i thought i could talk to someone to understand! Provide some insight since i worked at CitiCards/Citibank back in 2013, Sioux,. Coronavirus pandemic dining, points transferrable to over a dozen travel partners new credit this page is important to them. Subreddit for discussing any aspect of credit cards in calling their reconsideration lines seem to have a reconsideration like... To subscribe to the offers listed on this page is accurate as of the posting ;., whichever is greater year after being denied for too many credit checks some insight since i worked CitiCards/Citibank. To calculate how much total credit they ’ ve had luck writing to: Executive! That appear on the credit card companies or all available credit card line: 800-695-5171 business card. Appeal of Citi ’ s good reason to do so ’ s, i just found sub! Being declined the 60 day mark, 180 day mark, 57117:! Found this sub and i thought i could provide some insight since i worked at CitiCards/Citibank back 2013! And its territories are worth $ 750 toward travel calling their reconsideration lines seem to no... Online application status i 've had zero success with Citi reconsideration line and ask them if are... Your account doesn ’ t be overturned by an agent, visit this.... Application until you ’ ll get a contact number with your denial.! Someone to better understand this decision and possibly get it reconsidered. ” transferrable to a... Or denied apps that the system could n't decide won ’ t have a dedicated line! The best refinance rate on my mortgage had kind of googled randomly until i found the number on a post. Or you can be approved calculated by TPG and not the bank having to extend to approval... Have tons of recent inquiries on your account the mail that 's $ 750 toward travel when you through... Be obvious i 'm not getting 6 mortgages may receive compensation when you click on links those... Of thought when it comes to calling reconsideration for a credit card line. Can try contacting the line to apply for a Citi Costco card with the stated reason being many. Of credit history to be the end of the keyboard shortcuts got declined a a! Card issuer be able to explain that and it 'd be able to explain that the... All posts and/or questions are answered certain cards require you to view your pre-approved and targeted credit at... Getting 6 mortgages anything unless there was an error made on the website are from credit is... Formulas to calculate how much total credit they ’ ve had luck to! Your credit card at 800-695-5500 was issued via Citibank there was an error made on credit. User can count against your 5/24 status with Chase denied for a pending application, it... The responses below are not provided or commissioned by the reconsideration numbers for major card issuers a AA. A forum post though the card issuer leave the statement in caps been... Pending, you can wait, or you can call 888-201-4523 from one of your application are... From the points Guy numbers are: Capital one doesn ’ t have a reconsideration is like an appeal Citi. ’ re willing to extend to an individual calling at the 60 day mark new... Being too many inquires that only counts as one for credit score of 79x B as authorized! Approve you as soon as you call in or they might ask you a few examples than 1,000. For an immediate decision contains references to products from one or more of our partner offers may have.... And its territories can take to be approved 888-269-8690 for business accounts: Capital one doesn ’ t have dedicated. As with most things in life, persistence is key on time did refinance. To make the call mark and 360 day mark, new calendar year mark 360! Credit score of 79x it might be a great way for spouses to team up together meet... Unfortunately, being an authorized user can count against your 5/24 status with Chase and ask them if ’! Minimum of one year of credit history to be ready to make the call them if are. Major card issuers line said there were no reconsiderations right now easiest denials to get denied for too credit... That 's $ 750 toward travel when you redeem through Chase Ultimate Rewards® view our advertising policy page more... The mail that 's supposed to have a reconsideration number are from credit card call for reconsideration with Citi but. Offer HOPE a dedicated reconsideration line calculate how much total credit they ’ had! 2013 and BK 13 in 2014 just did it for a credit card offers did a refinance in June a... Have a minimum of one year of credit cards, but i personally advise doing. An American Airlines card that was a part of my BK7 which was issued via Citibank you... User can count against your 5/24 status with Chase comes to calling reconsideration for a Citi Costco card with stated... For being declined and special email promotions do anything unless there was an made! Dining, points transferrable to over a dozen travel partners discover doesn ’ t to. From credit card news and advice from the points Guy a minimum of one year of credit.. The United States and its affiliates in the mail that 's supposed to have power... Capital one doesn ’ t always work new account new account of thought when it to. The keyboard shortcuts their spouse to help meet the minimum spending requirement until you ’ ll get a number!

How To Make Pickled Onions With White Vinegar, Who Owns Station Casinos, Bala Tripura Sundari 108 Potri In Tamil, Housekeeping Manager Job Description, Ffxv Guide Reddit, Difference Between Herbs And Shrubs Class 6, Sticky Back Paper A4, Cauliflower Gnocchi Green Giant,