Citi Credit Card Reconsideration Phone Line

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You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst.

A reconsideration is like an appeal of Citi’s denial of your application. 

First, you should double-check your Citi application status to make sure it was a denial. Sometimes Citi needs more time to process your application.

Next, you should read Citi’s application rules to ensure you violate the rules. For example, Citi will auto-deny you if you had three or more credit card applications in the past 65 days.

Citibank’s reconsideration phone numbers are:

  •  Personal Cards: 1-800-695-5171 (8 AM to Midnight)
  •  Business Cards: 1-800-763-9795 (7 AM to Midnight)
Citi may ask you a few questions about your application and identity verification questions. Always be nice to the credit analyst. It can go a long way. 

Citi will also tell you why your application was denied (or you can wait for the letter in the mail for this reason).

 Citi may have denied you for legitimate reasons such as:
  1.  Too low of a credit score.
  2.  Too many credit cards or credit inquiries in the past year.
  3.  Bad history with Citi.
  4.  Errors on your application or credit report.
  5.  Citi has already overextended you credit. 
  6. A high amount of unused credit compared to your available credit lines.

Reversing a reconsideration is daunting, so I wish you the best of luck.

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