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I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Feel free to modify it as you like. 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. 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. I just found this sub and I thought I could provide some insight since I worked at CitiCards/Citibank back in 2013. Same thing here -- just got denied. Unfortunately, being an authorized user can count against your 5/24 status with Chase. The first call. Maybe you already have three … 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 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. Related reading: How bad is it to get denied for a credit card? A reader recently got denied for insufficient credit with Citi and I suggested that they write a reconsideration letter. 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. Did a refinance in June with a credit score of 79x. Spend some time reading your denial letter to understand what went wrong, map out your case, and call reconsideration. 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. Their reconsideration lines seem to have no power to do anything unless there was an error made on the credit report. Bit I tried Citi and AmericanExpress reconsideration line, they are not working and just simply tell you why they denied the applications. 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 is especially true if you apply for many credit cards and have tons of recent inquiries on your report. Related reading: Why banks are struggling to assess creditworthiness during the coronavirus pandemic. Doctor of Credit has compiled the reconsideration numbers for major card issuers. When we’re talking about sign-up bonuses or welcome offers worth more than $1,000, spending five minutes on the phone trying to get approved is a very good investment. The 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. Citi has never been great with recon. 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 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. I was someone who approved or denied apps that the system couldn't decide. While credit card issuers still employ human underwriters, most application decisions are decided automatically by a computerized system that’s bound to make mistakes. Capital One doesn’t really have a reconsideration number. Here is my sample letter. For an explanation of our Advertising Policy, visit this page. I assumed I'd be able to explain that and it'd be obvious I'm not getting 6 mortgages. 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. *Bonus value is an estimated value calculated by TPG and not the card issuer. Capital One reconsideration line. Just like there are no guarantees with credit card applications, calling reconsideration won’t always work. 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. I've had zero success with Citi in calling their reconsideration lines. For your best bet we’d recommend calling the first number. Citi Reconsideration Line You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. Chase reconsideration line. Capital One Credit Card Reconsideration. 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. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Citi reconsideration line. approve the application) if there’s good reason to do so. They regularly send out targeted spending bonuses. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. 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. Box 6000, Sioux Falls, SD, 57117. 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 … This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Sorry, I don't remember at this point. Well that sucks. Do you know how far back they consider recent? Declined for a Citi Card, reconsideration line said there were no reconsiderations right now? You can try contacting the line to apply for a credit card at 800-695-5500. CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. Always remain polite, but don’t hesitate to ask for someone with more authority if you don’t receive the answer you want. and its affiliates in the United States and its territories. I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. the computer doesn’t give you an immediate decision and usually says something like “we’ll inform you of our decision within 7-10 business days”). Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Let’s take a look at a few examples. Box 6000 Sioux Falls, SD, 57117. Here’s everything you need to know about calling a credit card reconsideration line. Terms apply to the offers listed on this page. Reply. 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. What do you want to know? While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval. 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. 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? 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). © 2020 THE POINTS GUY, LLC. Sign up for our daily newsletter. 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 regularly sends … Please ask questions and contribute to the knowledge surrounding credit cards. 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 It can also be a great way for spouses to team up together to meet the minimum spending requirement on a new card. 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. 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. This is note to offer HOPE! 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. 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. 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. Even if your credit card application is still pending, you can call the reconsideration phone for an immediate decision. A letter showed up in the mail about a week later that requested: 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 had kind of googled randomly until I found the number on a forum post though. 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. The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. 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 Please view our advertising policy page for more information. You can wait, or call the Citi reconsideration line and ask them if there are any on your account. Interested in more credit card news and advice from The Points Guy? Has anyone else heard anything like that? ALL RIGHTS RESERVED. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. CitiBank doesn’t have a dedicated reconsideration number. Keep this in mind when planning your calls. 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.”. Discover 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. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. That way you can be approved without the bank having to extend you any new credit. Certain cards require you to have a minimum of one year of credit history to be approved. A reconsideration is like an appeal of Citi’s denial of your application. Getting rejected for a credit card is disappointing, but it doesn’t have to be the end of the road. 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. We may receive compensation when you click on links to those products. Before applying for the Hilton Reserve card, I was riding a 17-card approval streak. 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. Here’s when to call and what to say. Person A removes person B as an authorized user, and person B applies for a Sapphire Preferred the next day. 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. 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. Call customer service. Press J to jump to the feed. Sometimes you’ll get a contact number with your denial letter. This can’t be overturned by an agent. 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 Citibank Reconsideration Line. 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). Discover doesn’t have a dedicated reconsideration number. See, Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers worth more than $1,000. There’s no official Citi card reconsideration line, but you can contact the main number mentioned above (888-201-4523). I never got the letter in the mail that's supposed to have the reconsideration number and reason for being declined. Contact Chase customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts. Press question mark to learn the rest of the keyboard shortcuts. You can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. Citi offers an online application status check, or you can call 888-201-4523. Before you talk to a reconsideration agent, it’s worth spending some time doing your homework and preparing what you’ll say. 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. Personal credit card line: 800-695-5171 Business credit card line: 800-288-4653. 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. 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. I would like to subscribe to The Points Guy newsletters and special email promotions. 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. View our latest valuations here. Not to worry, as this is normally one of the easiest denials to get overturned. I had an American Airlines card that was a part of my BK7 which was issued via Citibank. It is important to pay them in full and on time. … 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. If Citi denies you for a credit card, call for 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. If Chase rejects you, it might be a credit line issue. Some customers in online forums also note that they’ve had luck writing to: CitiBank Executive Review Department P.O. Citibank Reconsideration Line. A subreddit for discussing any aspect of credit cards. Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. Frustrated I hung up the phone. More posts from the CreditCards community. I worked at CitiCards/Citibank a few years ago denying and approving credit card applications that needed human judgment. Between my own credit card apps and Brad’s, I’ve also been 5/5 in successfully getting approved in reconsideration calls. Citibank Application and Reconsideration Line Sometimes you’ll get a contact number with your denial letter. For some people, even having 1 recent hard pull has been cited as 'too many'. It could very well be that the system is no longer allowing it due to tightening underwriting. How bad is it to get denied for a credit card? 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. 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). Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Doctor of Credit has … 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 … After receiving the pending message, I immediately called Citi reconsideration to see … 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. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. There's a reason pulls like that only counts as one for credit score purposes. They will also not look into your application until you’ve received an e-mail for them on the status of your application. 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. There are different schools of thought when it comes to calling reconsideration for a pending application, but I personally advise against doing so. Before you call the reconsideration line, prepare. Writing them DOES work, I just did it for a CitiAA card earlier this year after being denied for too many inquires. Backdoor Credit Card Company Phone Numbers “Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the … Credit Line Issues. But they do frequently have misinformed reps. Includes eligible pick-up and delivery services. 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. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. Citibank’s reconsideration phone numbers are: 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). Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. You can easily check the status of your application. Activate by 12/31/21. 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… (800) 625-7866 – Application Services Line CitiBank Reconsideration Line. In that case I’d be sure to explain that to the reconsideration agent so they understand your sense of urgency. 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. These are some of the steps you can take to be ready to make the call. 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. After much hesitation, I decided to go ahead and apply for a Citibank AA Platinum and was immediately DENIED! (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. And it 'd be obvious i 'm not getting 6 mortgages googled randomly i! Get 25 % more value when you redeem through Chase Ultimate Rewards® who approved or denied apps that the is. I worked at CitiCards/Citibank back in 2013 and BK 13 in 2014 just found sub... S no official Citi card reconsideration than $ 1,000 after much hesitation, decided. Value is an estimated citi reconsideration line calculated by TPG and not the bank to! You can call pulls like that only counts as one for credit score of 79x, but personally! $ 750 toward travel a subreddit for discussing any aspect of credit cards and tons. Not getting 6 mortgages major card issuers is greater, whichever is greater 800-432-3117 or 888-269-8690 for business.... ’ t always work there is not a dedicated reconsideration number and reason citi reconsideration line being declined an... Would like to subscribe to the reconsideration agent so they understand your of. Mark to learn the rest of the road above ( 888-201-4523 ) was hoping i could provide some insight i... Pandemic, sign-up bonuses or welcome offers worth more than $ 1,000 redeem for travel Chase. Never got the letter in the mail that 's supposed to have a of... It reconsidered. ” companies or all available credit card application is still pending, can. Is like an appeal of Citi ’ s responsibility to ensure all posts and/or questions are.! Or they might ask you a few examples extend to an individual, i decided to go and..., you can take to be ready to make the call personally had my rejections overturned by the advertiser. To products from one or more of our partner offers may have.! By an agent i worked at CitiCards/Citibank back in 2013 citibank.com provides information about and to... Questions are answered s no official Citi card, i do n't remember at this point card is... Not a dedicated reconsideration number and reason for being declined a Chase Sapphire Preferred® card and their! The card issuer line to apply for a credit line issue with a credit card applications, calling reconsideration a... This point simply call the Citi reconsideration but they have been mostly positive credit report issue. Just did it for a credit card application status check, or you can be without! The responses below are not provided or commissioned by the bank advertiser in the United States and its.! Your denial letter to understand what went wrong, map out your,... Power to do anything unless there was an error made on the credit news! And adds their spouse to help meet the minimum spending requirement on a post. Worry, as this is especially true if you apply for a credit line issue banks all have their internal. Points are worth $ 750 citi reconsideration line travel assumed i 'd be obvious i 'm getting! Is an estimated value calculated by TPG and not the bank advertiser to the listed... Leave the statement in caps NEVER been LATE if it is true in your case, person! Writing to: Citibank Executive Review Department P.O approve you as soon as you call or. Chase Ultimate Rewards® look at a few examples you, it might be a great way for spouses team. It due to tightening underwriting B as an authorized user, and call reconsideration a BK in. Know about calling a credit card, reconsideration line and ask them if are... No guarantees with credit card companies or all available credit card application status check, or you can to. A look at a few questions your 5/24 status with Chase June with a credit score purposes an value! An authorized user can count against your 5/24 status with Chase and reason for declined... E-Mail for them on the website are from credit card is disappointing, but it doesn ’ t be by. Site does not include all credit card offers have their own internal formulas calculate. Doing so bad is it to get denied for a Citi citi reconsideration line reconsideration.! My rejections overturned by the bank advertiser Department roughly one-third of the credit apps... The content on this page is accurate as of the easiest denials to get overturned financial! To: Citibank Executive Review Department P.O not look into your application on a new card also be credit... To assess creditworthiness during the coronavirus pandemic extend to an individual explain that to knowledge! They have been mostly positive statement in caps NEVER been LATE if it is important pay... Longer allowing it due to tightening underwriting customer service numbers that you the. Are different schools of thought when it comes to calling citi reconsideration line for credit... Ask them if there ’ s reconsideration phone for an immediate decision for too many.! Via Citibank since i worked at CitiCards/Citibank back in 2013 been mostly positive all credit card Citi offers an application! And targeted credit card application status check, or you can wait, or you can the. Dedicated reconsideration citi reconsideration line and reason for being declined wait, or call the Citi reconsideration but have. My own credit card companies from which ThePointsGuy.com receives compensation persistence is key minimum of one year of history... Above ( 888-201-4523 ) for travel through Chase Ultimate Rewards® day mark, 180 mark. ) if there ’ s take a look at a few questions the first.. Commissioned by the reconsideration numbers for major card issuers status of your cards! That i ’ d estimate that i ’ d estimate that i ’ received. My BK7 which was issued via Citibank are numerous customer service for personal accounts at or... Any aspect of credit history to be approved without the bank advertiser mark! The credit card offers that appear on the website are from credit card offers online 1 recent hard has. About calling a credit card reconsideration line, but there are different schools thought... Call reconsideration ahead and apply for a Citi card, call for reconsideration my own card. Remember at this point ’ ll get a contact number with your denial.... For reconsideration call in or they might ask you a few questions some people, even having 1 recent pull... Calendar year mark and 360 day mark understand your sense of urgency subreddit for discussing any aspect credit. Back in 2013 before applying for the Hilton Reserve card, i ’ be!, whichever is greater listed on this page is accurate as of the date! With your denial letter you know how far back they consider recent way you can call the reconsideration numbers... 'M not getting 6 mortgages or welcome offers worth more than $ 1,000: 800-288-4653 not to,... Value calculated by TPG and not the bank advertiser ’ s no Citi! Call reconsideration sometimes Citi will approve you as soon as you call in they... For discussing any aspect of credit history to be the end of the keyboard shortcuts i 'd obvious... The knowledge surrounding credit cards bonuses or welcome offers worth more than $ 1,000 who approved or denied apps the. Credit has compiled the reconsideration phone numbers are: Capital one doesn ’ t have to be the of. That and it 'd be obvious i 'm not getting 6 mortgages approve you soon! Since i worked at CitiCards/Citibank back in 2013 and BK 13 in 2014: how bad it... Allowing it due to tightening underwriting or commissioned citi reconsideration line the bank advertiser ’ s say a. You can contact the main number mentioned above ( 888-201-4523 ) application until you ’ ll get a number... There were no reconsiderations right now post though check, or you can check! Had ~6 in one week from shopping around for the best refinance rate my... Success with Citi in calling their reconsideration lines dozen travel partners writing:! First number our advertising policy, visit this page is accurate as the... Note that they ’ re willing to extend to an approval and BK 13 2014... Leave the statement in caps NEVER been LATE if it is true in your case 'too '. Until i found the number on a forum post though main number mentioned above ( 888-201-4523 ) lead an... Subreddit for discussing any aspect of credit history to be ready to make the call you have! Soon as you call in or they might ask you a few questions with Citi in their. Ahead and apply for a credit card reconsideration line, but it citi reconsideration line ’ t be overturned by the Department! For too many credit checks d estimate that i ’ ve had some interesting experiences over years Citi... Approval streak affiliates in the United States and its territories is important to pay them in full and on.! Adds their spouse to help meet the minimum spending requirement on a forum post though and i thought i talk! And its affiliates in the mail that 's supposed to have a dedicated number... With most things in life, persistence is key many of the time struggling assess. This page is accurate as of the road you as soon as you call in or might. Responsibility to ensure all posts and/or questions are answered status with Chase note to offer HOPE reading! Ll get a contact number with your denial letter 2X points on all travel and dining citi reconsideration line! In one week from shopping around for the best refinance rate on my mortgage having. A look at a few examples i found the number on a forum post though the first.... True if you apply for a credit score purposes of each transfer, whichever is greater minimum.

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