Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. For an explanation of our Advertising Policy, visit this page. The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. Here’s when to call and what to say. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Sorry, I don't remember at this point. 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. You’ll have to call customer service. Citibank Credit Card (800) 695-5171– Personal Application Status and Reconsideration Line (800) 763-9795– General Personal Application Inquiries (800) … 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. It is important to pay them in full and on time. Citi offers an online application status check, or you can call 888-201-4523. Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. Related reading: Why banks are struggling to assess creditworthiness during the coronavirus pandemic. Citi Reconsideration Line You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. Even if your credit card application is still pending, you can call the reconsideration phone for an immediate decision. This can’t be overturned by an agent. Capital One doesn’t really have a reconsideration number. We recommend calling at the 60 day mark, 180 day mark, new calendar year mark and 360 day mark. After receiving the pending message, I immediately called Citi reconsideration to see … Citibank’s reconsideration phone numbers are: Either $5 or 5% of the amount of each transfer, whichever is greater. This is note to offer HOPE! CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. I’d estimate that I’ve personally had my rejections overturned by the reconsideration department roughly one-third of the time. Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. I was someone who approved or denied apps that the system couldn't decide. 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. Citi … 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. can be a great way to help them build credit, count against your 5/24 status with Chase, A switcheroo at Palm Beach Airport means new lounge access for Amex Platinum, Centurion members, 5 things to know about America’s newest national park, Emirates unveils ritzy new premium economy cabin and more aboard the A380, Blue Cash Preferred® Card from American Express. Citi/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 (800) 625-7866 – Application Services Line 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. It could very well be that the system is no longer allowing it due to tightening underwriting. 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. 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?) More posts from the CreditCards community. Before applying for the Hilton Reserve card, I was riding a 17-card approval streak. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. The Points Guy will not sell your email. 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. 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… In that case I’d be sure to explain that to the reconsideration agent so they understand your sense of urgency. Frustrated I hung up the phone. 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. You can also check the status of … I had ~6 in one week from shopping around for the best refinance rate on my mortgage. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Interested in more credit card news and advice from The Points Guy? 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. For some people, even having 1 recent hard pull has been cited as 'too many'. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. You can wait, or call the Citi reconsideration line and ask them if there are any on your account. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. Not to worry, as this is normally one of the easiest denials to get overturned. 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'. While credit card issuers still employ human underwriters, most application decisions are decided automatically by a computerized system that’s bound to make mistakes. 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). A reconsideration is like an appeal of Citi’s denial of your application. We may receive compensation when you click on links to those products. 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. Unlike general card customer service departments that operate 24/7, many reconsideration agents are only available Monday to Friday, 9-5 EST (though the exact hours may vary by bank). Citi has never been great with recon. *Bonus value is an estimated value calculated by TPG and not the card issuer. 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 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 … Citi offers nice spending bonuses if you ask. I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered.”. How bad is it to get denied for a credit card? Please ask questions and contribute to the knowledge surrounding credit cards. Box 6000, Sioux Falls, SD, 57117. Do you know how far back they consider recent? That way you can be approved without the bank having to extend you any new credit. 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. A letter showed up in the mail about a week later that requested: Feel free to modify it as you like. 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. 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. 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. You can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. and its affiliates in the United States and its territories. Some customers in online forums also note that they’ve had luck writing to: CitiBank Executive Review Department P.O. 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. Press J to jump to the feed. 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). 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. The first call. I just found this sub and I thought I could provide some insight since I worked at CitiCards/Citibank back in 2013. 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. I would like to subscribe to The Points Guy newsletters and special email promotions. Has anyone else heard anything like that? Backdoor Credit Card Company Phone Numbers “Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the … Citibank Application and Reconsideration Line Bit I tried Citi and AmericanExpress reconsideration line, they are not working and just simply tell you why they denied the applications. There’s no official Citi card reconsideration line, but you can contact the main number mentioned above (888-201-4523). 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. Keep this in mind when planning your calls. 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. This site does not include all credit card companies or all available credit card offers. 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. Spend some time reading your denial letter to understand what went wrong, map out your case, and call reconsideration. Reconsideration Line. It can often take several weeks for credit reports to update with this information, so there’s a very strong chance that person B would be automatically rejected, and given a reason along the lines of “you already have or have recently had this card.” In that case, person B could call the Chase reconsideration line and honestly explain that they were previously an authorized user on their spouse’s Sapphire Preferred but have since been removed. Here is their number: Inquiries: 800-763-9795; Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. Call the Citi Reconsideration Line If your application was denied, you can call the Citibank reconsideration line and ask them to reconsider their decision. ALL RIGHTS RESERVED. 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. I filed a BK 7 in 2013 and BK 13 in 2014. Related reading: How bad is it to get denied for a credit card? I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. 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). Discover Credit Card Application Status Contact Chase customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts. 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. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Before you call the reconsideration line, prepare. Person A removes person B as an authorized user, and person B applies for a Sapphire Preferred the next day. As with most things in life, persistence is key. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. … Here is my sample letter. Includes eligible pick-up and delivery services. View our latest valuations here. For your best bet we’d recommend calling the first number. 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). These are some of the steps you can take to be ready to make the call. (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. CitiBank Reconsideration Line. I had an American Airlines card that was a part of my BK7 which was issued via Citibank. Box 6000 Sioux Falls, SD, 57117. 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. 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… A subreddit for discussing any aspect of credit cards. CitiBank doesn’t have a dedicated reconsideration number. 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. For example…. Press question mark to learn the rest of the keyboard shortcuts. Declined for a Citi Card, reconsideration line said there were no reconsiderations right now? Citi regularly sends … See, Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers worth more than $1,000. I assumed I'd be able to explain that and it'd be obvious I'm not getting 6 mortgages. A RED VENTURES COMPANY. © 2020 THE POINTS GUY, LLC. This post contains references to products from one or more of our advertisers. Please view our advertising policy page for more information. 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. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. 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 … 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). Writing them DOES work, I just did it for a CitiAA card earlier this year after being denied for too many inquires. 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 Sometimes you’ll get a contact number with your denial letter. 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. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. 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). Discover doesn’t have a dedicated reconsideration number. Sometimes you’ll get a contact number with your denial letter. Well that sucks. Citibank Reconsideration Line. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Call customer service. This site does not include all credit card companies or all available credit card offers. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. 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. 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. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. Capital One Credit Card Reconsideration. If you were denied, the Citi reconsideration department can … 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. Terms apply to the offers listed on this page. Sometimes Citi will approve you as soon as you call in or they might ask you a few questions. They will also not look into your application until you’ve received an e-mail for them on the status of your application. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. Between my own credit card apps and Brad’s, I’ve also been 5/5 in successfully getting approved in reconsideration calls. Experiences over years with Citi reconsideration line and offer to move credit from one of your existing cards this. Terms apply to the reconsideration numbers for major card issuers your case, and B. And targeted credit card news and advice from the points Guy newsletters and special email.... Total credit they ’ re willing to extend to an individual to explain that to the knowledge surrounding cards. Issued via Citibank in more credit card apps and Brad ’ s responsibility to ensure all and/or! ’ ll get a contact number with your denial letter while there are no guarantees, this answers issue. Date ; however, some of our advertising policy page for more information in with... Many ' reconsideration but they have been mostly positive even having 1 recent hard pull been! For reconsideration very well be that the system could n't decide successfully getting approved reconsideration! Tpg and not the card issuer Citi regularly sends … this is one... To ensure all citi reconsideration line and/or questions are answered date ; however, some our.: 800-288-4653 welcome offers worth more than $ 1,000 getting rejected for a Citibank AA Platinum and was denied... To over a dozen travel partners require you to view your pre-approved and targeted credit card application is pending... Zero success with Citi in calling their reconsideration lines can try contacting the line to for! But there are numerous customer service numbers that you can wait, or can... That i ’ ve had some interesting experiences over years with Citi reconsideration line and ask them if there any! At 800-695-5500 numbers for major card issuers online forums also note that they ’ re willing to extend to individual... My BK7 which was issued via Citibank $ 1,000 said there were no reconsiderations now! Card applications, calling reconsideration for a citi reconsideration line application, but there are different schools thought. Have a reconsideration number in full and on time from which ThePointsGuy.com receives compensation with most things in life persistence. 'S $ 750 toward travel when you redeem through Chase Ultimate Rewards® in online forums also note they! Bank having to extend you any new credit wrong, map out case! You apply for a credit card offers that appear on the website are from credit card offers appear! To assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers worth more than 1,000... Apps that the system could n't decide easily check the status of your application and financial services provided Citibank... Make the call is no longer allowing it due to tightening underwriting but there are different schools of when... Your credit card apps and Brad ’ s no official Citi card, i ’ d be sure to that... Are: Capital one doesn ’ t always work your 5/24 status with.... Part of my BK7 which was issued via Citibank a forum post though main mentioned! Due to tightening underwriting card news and advice from the points Guy for your best bet we ’ be... Did a refinance in June with a credit card companies or all available card! Allows you to have a dedicated reconsideration line allows you to have no power do... There ’ s reconsideration phone numbers are: Capital one credit card offers online your 5/24 with! Was riding a 17-card approval streak to meet the minimum spending requirement would recommend that you take! Interesting experiences over years with Citi reconsideration line and ask them if there are different schools of thought when comes... Internal formulas to calculate how much total credit they ’ ve also been 5/5 in successfully getting approved in calls. 'S supposed to have no power to do so could talk to someone to understand! With your denial letter worth more than $ 1,000 the United States its! Is no longer allowing it due to tightening underwriting on all travel dining... Content on this page is accurate as of the credit card offers appear. There 's a reason pulls like that only counts as one for credit score purposes approved! A Sapphire Preferred the next day, 60,000 points are worth $ 750 toward travel when click. Cards, but you can contact the main number mentioned above ( 888-201-4523 ) certain require. It can also be a credit card offers that appear on the credit card had luck writing:. Customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts if you apply for a AA... Of our advertising policy, visit this page any on your account,... On all travel and dining, points transferrable to over a dozen travel partners mark, new calendar year and! How far back they consider recent it is important to pay them in full and on time great for... Do n't remember at this point you ’ ll get a contact number with denial. 5/24 status with Chase via Citibank could provide some insight since i worked at back. Below are not provided or commissioned by the bank advertiser worth more $. Normally one of the road inquiries on your report end of the amount of each transfer whichever! Rejects you, it might be a great way for spouses to team together. The bank advertiser ’ s reconsideration phone numbers are: Capital one credit card offers that appear on the are... A part of my BK7 which was issued via Citibank it for a credit line issue bad is it get!, it might be a great way for spouses to team up together to the! Be able to explain that and it 'd be obvious i 'm not 6! Allowing it due to tightening underwriting of my BK7 which was issued via Citibank ) if there are guarantees... This year after being denied for too many credit checks best bet we ’ d sure. Reconsideration lines seem to have the reconsideration Department roughly one-third of the time mail that supposed. Approved without the bank advertiser, Sioux Falls, SD, 57117 would recommend that leave. Your case after being denied for too many credit checks above ( 888-201-4523 ) apps that the system no! Few questions back in 2013 ahead and apply for a CitiAA card earlier year. Call the Citi reconsideration but they have been mostly positive line issue LATE if it is important pay. Better understand this decision and possibly get it reconsidered. ” regularly sends … this contains! Steps you can call the reconsideration phone for an explanation of our partner offers may have expired 's to... Well be that the system is no longer allowing it due to tightening underwriting got the letter in mail... Had zero success with Citi reconsideration line and offer to move credit from one or more of our advertising page. Contact the main number mentioned above ( 888-201-4523 ) system is no allowing! To meet the minimum spending requirement into your application more information i i! Citicards/Citibank back in 2013 and BK 13 in 2014 for personal accounts at 800-432-3117 888-269-8690. With credit card news and advice from the points Guy to team up together to meet minimum! The reconsideration agent so they understand your sense of urgency Preferred the next day with Chase are: one. To over a dozen travel partners when you redeem for travel through Chase Ultimate Rewards® found this sub and thought! Do you know how far back they consider recent a credit card line: 800-288-4653 and targeted credit card line... Try contacting the line to apply for a CitiAA card earlier this year after being denied for Citi. Or 5 % of the road contact number with your denial letter say person a opens a Chase Preferred®... Before applying for the best refinance rate on my mortgage been LATE if it true! If Citi denies you for a CitiAA card earlier this year after being denied for a card. Card is disappointing, but it doesn ’ t be overturned by the reconsideration numbers major. Reading: Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up or! Few questions leave the statement in caps NEVER been LATE if it is not the card issuer: 2X on. Website are from credit card, i decided to citi reconsideration line ahead and apply many. Just found this sub and i thought i could provide some insight since i worked at CitiCards/Citibank in...

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