I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. 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?) Keep this in mind when planning your calls. 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. Capital One Credit Card Reconsideration. Doctor of Credit has compiled the reconsideration numbers for major card issuers. 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. 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. We recommend calling at the 60 day mark, 180 day mark, new calendar year mark and 360 day mark. Citi allows you to view your pre-approved and targeted credit card offers online. Citibank’s reconsideration phone numbers are: For your best bet we’d recommend calling the first number. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Keep this in mind when planning your calls. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). For some people, even having 1 recent hard pull has been cited as 'too many'. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. 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”). 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. 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). Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. 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. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Reconsideration Line. I never got the letter in the mail that's supposed to have the reconsideration number and reason for being declined. Citi reconsideration line. approve the application) if there’s good reason to do so. 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 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. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. and its affiliates in the United States and its territories. Sometimes you’ll get a contact number with your denial letter. This is where the reconsideration department comes in. This can’t be overturned by an agent. Citibank Reconsideration Line. Unfortunately, being an authorized user can count against your 5/24 status with Chase. For example…. If you were denied, the Citi reconsideration department can … 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. Here is their number: Inquiries: 800-763-9795; Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. I filed a BK 7 in 2013 and BK 13 in 2014. 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. Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. Citi offers nice spending bonuses if you ask. Please ask questions and contribute to the knowledge surrounding credit cards. 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 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. This site does not include all credit card companies or all available credit card offers. Chase 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). CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. Related reading: How bad is it to get denied for a credit card? The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. 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 A letter showed up in the mail about a week later that requested: Before you call the reconsideration line, prepare. 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. More posts from the CreditCards community. Let’s take a look at a few examples. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. 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 … Same thing here -- just got denied. Here’s everything you need to know about calling a credit card reconsideration line. Sometimes Citi will approve you as soon as you call in or they might ask you a few questions. Terms apply to the offers listed on this page. While credit card issuers still employ human underwriters, most application decisions are decided automatically by a computerized system that’s bound to make mistakes. CitiBank doesn’t have a dedicated reconsideration number. Declined for a Citi Card, reconsideration line said there were no reconsiderations right now? Reply. You can try contacting the line to apply for a credit card at 800-695-5500. Box 6000, Sioux Falls, SD, 57117. Press question mark to learn the rest of the keyboard shortcuts. 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. I would like to subscribe to The Points Guy newsletters and special email promotions. Please view our advertising policy page for more information. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Spend some time reading your denial letter to understand what went wrong, map out your case, and call reconsideration. Citibank Credit Card (800) 695-5171– Personal Application Status and Reconsideration Line (800) 763-9795– General Personal Application Inquiries (800) … ALL RIGHTS RESERVED. 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). Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. They regularly send out targeted spending bonuses. Backdoor Credit Card Company Phone Numbers “Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the … I 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. It is important to pay them in full and on time. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered.”. 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… Contact Chase customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts. Not to worry, as this is normally one of the easiest denials to get overturned. Citi Reconsideration Line You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. 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'd call one more time and if you get the same response, you may be out of luck and need to try again later. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. If Citi denies you for a credit card, call for reconsideration. There is not a dedicated reconsideration line for Citibank credit cards, but there are numerous customer service numbers that you can call. View our latest valuations here. Doctor of Credit has … Citibank Reconsideration Line. 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