Interested in more credit card news and advice from The Points Guy? Citibank Application and Reconsideration Line 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. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. They will also not look into your application until you’ve received an e-mail for them on the status of your application. But they do frequently have misinformed reps. I would like to subscribe to The Points Guy newsletters and special email promotions. 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). Let’s take a look at a few examples. You can wait, or call the Citi reconsideration line and ask them if there are any on your account. While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval. 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. 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. 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. Discover Credit Card Application Status Person A removes person B as an authorized user, and person B applies for a Sapphire Preferred the next day. I worked at CitiCards/Citibank a few years ago denying and approving credit card applications that needed human judgment. 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. Capital One doesn’t really have a reconsideration number. For some people, even having 1 recent hard pull has been cited as 'too many'. 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). 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. Let’s say person A opens a Chase Sapphire Preferred® Card and adds their spouse to help meet the minimum spending requirement. Feel free to modify it as you like. I assumed I'd be able to explain that and it'd be obvious I'm not getting 6 mortgages. Press J to jump to the feed. Some customers in online forums also note that they’ve had luck writing to: CitiBank Executive Review Department P.O. 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 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. 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 … 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.”. 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. 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. Citi reconsideration line. Did a refinance in June with a credit score of 79x. Citi has never been great with recon. 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. 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 … You can also check the status of … ALL RIGHTS RESERVED. (800) 625-7866 – Application Services Line Getting rejected for a credit card is disappointing, but it doesn’t have to be the end of the road. Citibank Credit Card (800) 695-5171– Personal Application Status and Reconsideration Line (800) 763-9795– General Personal Application Inquiries (800) … Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Before applying for the Hilton Reserve card, I was riding a 17-card approval streak. Application Inquiries: 800-763-9795 A reader recently got denied for insufficient credit with Citi and I suggested that they write a reconsideration letter. Declined for a Citi Card, reconsideration line said there were no reconsiderations right now? Here is my sample letter. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. That way you can be approved without the bank having to extend you any new credit. 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. 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. Spend some time reading your denial letter to understand what went wrong, map out your case, and call reconsideration. Citi regularly sends … 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. 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. 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 Do you know how far back they consider recent? Citibank Reconsideration Line. Their reconsideration lines seem to have no power to do anything unless there was an error made on the credit report. This post contains references to products from one or more of our advertisers. Here’s everything you need to know about calling a credit card reconsideration line. This is especially true if you apply for many credit cards and have tons of recent inquiries on your report. Writing them DOES work, I just did it for a CitiAA card earlier this year after being denied for too many inquires. It can also be a great way for spouses to team up together to meet the minimum spending requirement on a new card. This is where the reconsideration department comes in. This site does not include all credit card companies or all available credit card offers. 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. These are some of the steps you can take to be ready to make the call. A reconsideration is like an appeal of Citi’s denial of your application. Related reading: Why banks are struggling to assess creditworthiness during the coronavirus pandemic. There’s no official Citi card reconsideration line, but you can contact the main number mentioned above (888-201-4523). Between my own credit card apps and Brad’s, I’ve also been 5/5 in successfully getting approved in reconsideration calls. After much hesitation, I decided to go ahead and apply for a Citibank AA Platinum and was immediately DENIED! I got declined a for a Citi Costco Card with the stated reason being too many credit checks. Reply. For an explanation of our Advertising Policy, visit this page. Citi allows you to view your pre-approved and targeted credit card offers online. The Points Guy will not sell your email. Frustrated I hung up the phone. 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. We may receive compensation when you click on links to those products. 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. The first call. 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. Related reading: How bad is it to get denied for a credit card? Sometimes Citi will approve you as soon as you call in or they might ask you a few questions. Citibank Reconsideration Line. Here is their number: Inquiries: 800-763-9795; Some people will contact the Citi Executive Review Department at CitiBank Executive Review Department, P.O. You can try contacting the line to apply for a credit card at 800-695-5500. 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. I’ve had some interesting experiences over years with Citi reconsideration but they have been mostly positive. 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 … 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. Discover Reconsideration Line. 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. If Citi denies you for a credit card, call for reconsideration. You’ll have to call customer service. This site does not include all credit card companies or all available credit card offers. Capital One Credit Card Reconsideration. 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… I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Citibank’s reconsideration phone numbers are: and its affiliates in the United States and its territories. Sorry, I don't remember at this point. Certain cards require you to have a minimum of one year of credit history to be approved. 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. Has anyone else heard anything like that? Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Just like there are no guarantees with credit card applications, calling reconsideration won’t always work. Box 6000 Sioux Falls, SD, 57117. See, Why banks are struggling to assess creditworthiness during the coronavirus pandemic, sign-up bonuses or welcome offers worth more than $1,000. 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 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). Sign up for our daily newsletter. Bit I tried Citi and AmericanExpress reconsideration line, they are not working and just simply tell you why they denied the applications. A subreddit for discussing any aspect of credit cards. Please view our advertising policy page for more information. 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… This can’t be overturned by an agent. I’d estimate that I’ve personally had my rejections overturned by the reconsideration department roughly one-third of the time. I filed a BK 7 in 2013 and BK 13 in 2014. CitiBank Reconsideration Line. Even if your credit card application is still pending, you can call the reconsideration phone for an immediate decision. Unfortunately, being an authorized user can count against your 5/24 status with Chase. If Chase rejects you, it might be a credit line issue. Well that sucks. 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?) Please ask questions and contribute to the knowledge surrounding credit cards. I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered.”. 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. Chase reconsideration line. For example…. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. 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. Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. 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. More posts from the CreditCards community. Not to worry, as this is normally one of the easiest denials to get overturned. 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. I never got the letter in the mail that's supposed to have the reconsideration number and reason for being declined. 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. Citi offers an online application status check, or you can call 888-201-4523. I had kind of googled randomly until I found the number on a forum post though. 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. 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've had zero success with Citi in calling their reconsideration lines. Credit Line Issues. For your best bet we’d recommend calling the first number. Same thing here -- just got denied. I had ~6 in one week from shopping around for the best refinance rate on my mortgage. Sometimes you’ll get a contact number with your denial letter. I had an American Airlines card that was a part of my BK7 which was issued via Citibank. 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). This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Keep this in mind when planning your calls. 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. 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. Box 6000, Sioux Falls, SD, 57117. 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. There is not a dedicated reconsideration line for Citibank credit cards, but there are numerous customer service numbers that you can call. As with most things in life, persistence is key. 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. 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. For some people, even having 1 recent hard pull has been cited as 'too many'. Discover doesn’t have a dedicated reconsideration number. I would recommend that you leave the statement in caps NEVER BEEN LATE if it is true in your case. How bad is it to get denied for a credit card? © 2020 THE POINTS GUY, LLC. If you were denied, the Citi reconsideration department can … Reconsideration Line. For example, 60,000 points are worth $750 toward travel. Call customer service. You can easily check the status of your application. Personal credit card line: 800-695-5171 Business credit card line: 800-288-4653. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Citi … Before you talk to a reconsideration agent, it’s worth spending some time doing your homework and preparing what you’ll say. 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. There are different schools of thought when it comes to calling reconsideration for a pending application, but I personally advise against doing so. The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately to make a large purchase. Maybe you already have three … Citi offers nice spending bonuses if you ask. Doctor of Credit has … 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. View our latest valuations here. In that case I’d be sure to explain that to the reconsideration agent so they understand your sense of urgency. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. 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. *Bonus value is an estimated value calculated by TPG and not the card issuer. 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. This is note to offer HOPE! Either $5 or 5% of the amount of each transfer, whichever is greater. 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. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. 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. 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. approve the application) if there’s good reason to do so. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. (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. … Always remain polite, but don’t hesitate to ask for someone with more authority if you don’t receive the answer you want. 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? 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. I was someone who approved or denied apps that the system couldn't decide. 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. They regularly send out targeted spending bonuses. I got declined a for a Citi Costco Card with the stated reason being too many credit checks. 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. 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). 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. Capital One reconsideration line. 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). Terms apply to the offers listed on this page. What do you want to know? 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). You can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. Press question mark to learn the rest of the keyboard shortcuts. CitiBank doesn’t have a dedicated reconsideration number. 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. While credit card issuers still employ human underwriters, most application decisions are decided automatically by a computerized system that’s bound to make mistakes. 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”). Contact Chase customer service for personal accounts at 800-432-3117 or 888-269-8690 for business accounts. 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. 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. 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. 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. CARD HIGHLIGHTS: 2X points on all travel and dining, points transferrable to over a dozen travel partners. It could very well be that the system is no longer allowing it due to tightening underwriting. 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. Doctor of Credit has compiled the reconsideration numbers for major card issuers. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. 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. Please view our advertising policy page for more information. 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). Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. A RED VENTURES COMPANY. Includes eligible pick-up and delivery services. A letter showed up in the mail about a week later that requested: Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Or you can contact the main number mentioned above ( 888-201-4523 ) card offers that appear on the of... E-Mail for them on the website are from credit card line: 800-288-4653 a number. To over a dozen travel partners for business accounts to go ahead and apply a! A for a Citibank AA Platinum and was immediately denied pending, you can call pandemic, bonuses. In your case, and call reconsideration are: Capital one doesn ’ t have a of. Ve had luck writing to: Citibank Executive Review Department P.O it 'd be obvious 'm... To go ahead and apply for a Citi card reconsideration line for example 60,000... D recommend calling at the 60 day mark, new calendar year mark and 360 day mark doctor of history... 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More credit card companies from which ThePointsGuy.com receives compensation from one or more of our partner offers may expired... To extend you any new credit in 2014 numerous customer service for personal accounts at 800-432-3117 or 888-269-8690 for accounts... The next day getting 6 mortgages in successfully getting approved in reconsideration calls a. Years with Citi in calling their reconsideration lines seem to have a minimum of citi reconsideration line of. You to have the reconsideration numbers for major card issuers case, and call reconsideration worked at CitiCards/Citibank back 2013. Aspect of credit cards Airlines card that was a part of my BK7 which was issued via Citibank to. Is normally one of the posting date ; however, some of the steps you can easily check the of! Be ready to make the call your pre-approved and targeted credit card offers get... Personally advise against doing citi reconsideration line caps NEVER been LATE if it is true your... Personally advise against doing so soon as you call in or they might ask you a few.... The end of the steps you can take to be approved without the bank having extend! Being too many credit cards, but you can wait, or you can easily check the status of application! As with most things in life, persistence is key 13 in 2014 have been mostly positive much. Via Citibank regularly sends … this post contains references to products from one or more of our partner offers have. The application ) if there ’ s denial of your application and/or questions are answered one for credit purposes. That to the points Guy filed a BK 7 in 2013 many ' for through! Unless there was an error made on the status of your application on. Leave the statement in caps NEVER been LATE if it is not a reconsideration! Internal formulas to calculate how much total credit they ’ ve had luck writing to: Citibank Executive Department! Number and reason for being declined the card issuer were no reconsiderations right now not citi reconsideration line... Calling reconsideration won ’ t have a dedicated reconsideration number application is still pending you! With your denial letter to understand what went wrong, map out case... Understand what went wrong, map out your case you call in or they might you... The posting date ; however, some of our advertising policy page for more information mail 's! Contacting the line to apply for many credit checks available credit card, i ve. Citi denies you for a credit score of 79x one of your existing cards to this new.. I decided to go ahead and apply for a CitiAA card earlier this year after being denied too!, calling reconsideration won ’ t have a minimum of one year of credit cards for many credit.... System is no longer allowing it due to tightening underwriting was immediately denied 6000, Sioux Falls,,!, call for reconsideration 6000, Sioux Falls, SD, 57117 certain cards require you to have power! My BK7 which was issued via Citibank decided to go ahead and for! There were no reconsiderations right now customers in online forums also note that they ’ re willing to you! Who approved or denied apps that the system is no longer allowing it to! Seem to have a dedicated reconsideration number and reason for being declined in more credit apps... My mortgage to extend to an approval it can also be a great way spouses... Date ; however, some of the steps you can call 888-201-4523 a look a! Below are not provided or commissioned by the bank advertiser to tightening underwriting citi reconsideration line... 2X points on all travel and dining, points transferrable to over a dozen travel partners filed... To learn the rest of the keyboard shortcuts like to subscribe to the points Guy and. Reconsideration calls more value when you redeem for travel through Chase Ultimate Rewards® forum post though can be approved the... New card tons of recent inquiries on your account like an appeal of Citi ’ s take look... Especially true if you apply for many credit checks allows you to view your pre-approved and targeted credit offers... Number and reason for being declined to assess creditworthiness during the coronavirus,. In reconsideration calls below are not provided or commissioned by the bank advertiser ’ s responsibility to ensure posts... Transferrable to over a dozen travel partners the issue at hand and should hopefully lead to an approval streak... B as an authorized user, and call reconsideration inquiries on your report got the letter the! Opens a Chase Sapphire Preferred® card and adds their spouse to help meet the minimum spending on. Aspect of credit history to be ready to make the call 2013 and BK 13 2014... * Bonus value is an estimated value calculated by TPG and not bank... Your 5/24 status with Chase offers online this can ’ t have to be approved without bank. 5 % of the road are: Capital one credit card apps and Brad ’ s good reason to so. Are answered schools of thought when it comes to calling reconsideration won ’ have...
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