Doctor of Credit has compiled the reconsideration numbers for major card issuers. Here is their number: Inquiries: 800-763-9795; Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. 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). A letter showed up in the mail about a week later that requested: 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. … 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”). Sometimes you’ll get a contact number with your denial letter. 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?) 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. Box 6000 Sioux Falls, SD, 57117. They will also not look into your application until you’ve received an e-mail for them on the status of your application. I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. You can easily check the status of your application. Even if your credit card application is still pending, you can call the reconsideration phone for an immediate decision. Same thing here -- just got denied. Press J to jump to the feed. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. The first call. 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. 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. 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. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. 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. (800) 625-7866 – Application Services Line After receiving the pending message, I immediately called Citi reconsideration to see … 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. Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. Discover Credit Card Application Status For your best bet we’d recommend calling the first number. *Bonus value is an estimated value calculated by TPG and not the card issuer. © 2020 THE POINTS GUY, LLC. Application Inquiries: 800-763-9795 Before you call the reconsideration line, prepare. Before you talk to a reconsideration agent, it’s worth spending some time doing your homework and preparing what you’ll say. Feel free to modify it as you like. The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. 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. Should I just wait awhile and call again to see a different person or am I just not able to get a new CC now after refinancing and saving a bunch of money? You’ll have to call customer service. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. 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. There’s no official Citi card reconsideration line, but you can contact the main number mentioned above (888-201-4523). I've had zero success with Citi in calling their reconsideration lines. A reader recently got denied for insufficient credit with Citi and I suggested that they write a reconsideration letter. Please ask questions and contribute to the knowledge surrounding credit cards. This is especially true if you apply for many credit cards and have tons of recent inquiries on your report. This can’t be overturned by an agent. Capital One Credit Card Reconsideration. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. 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 your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Here’s when to call and what to say. You can also check the status of … 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. I would like to subscribe to The Points Guy newsletters and special email promotions. Writing them DOES work, I just did it for a CitiAA card earlier this year after being denied for too many inquires. While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. 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. Related reading: Why banks are struggling to assess creditworthiness during the coronavirus pandemic. 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. Keep this in mind when planning your calls. Citi Reconsideration Line You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. Includes eligible pick-up and delivery services. Either $5 or 5% of the amount of each transfer, whichever is greater. 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. Interested in more credit card news and advice from The Points Guy? I had an American Airlines card that was a part of my BK7 which was issued via Citibank. 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. The Points Guy will not sell your email. 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). Please view our advertising policy page for more information. Reply. 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). Keep this in mind when planning your calls. I worked at CitiCards/Citibank a few years ago denying and approving credit card applications that needed human judgment. I never got the letter in the mail that's supposed to have the reconsideration number and reason for being declined. Citi offers an online application status check, or you can call 888-201-4523. The easiest way to contact your card issuer’s reconsideration department is to simply call their main customer service line and ask to be transferred to reconsideration. Citibank Credit Card (800) 695-5171– Personal Application Status and Reconsideration Line (800) 763-9795– General Personal Application Inquiries (800) … 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. 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. 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). 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 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. There is not a dedicated reconsideration line for Citibank credit cards, but there are numerous customer service numbers that you can call. 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 … Frustrated I hung up the phone. 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 can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. 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 … 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. These are some of the steps you can take to be ready to make the call. 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 … Credit from one of the keyboard shortcuts was an error made on status... 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