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

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