Topic Wiki

Citibank Contacts:
Application status https://www.accountonline.com/cards/acq/CardApplicationStatus.do?screenID=3187
(800) 695-5171 Personal Application Status and Reconsideration Line with live rep
(888) 201-4523 Application status
(866) 606-2961 800-695-5171 Reconsideration Line
(800) 763-9795 General Personal Application Inquiries with live rep
(800) 645-7240 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
(800) 288-4653 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
(866) 606-2787 General Application and Account Questions with live rep

Many people have also had better luck writing to the office of the President for reconsideration on Citi cards:
Mr. Ken Stork
Office of the President
PO Box 6000
Sioux Falls, SD 57117

Random: see this great article about negotiating tactics with Customer Service Reps.
« Last edited by Dani on July 14, 2021, 10:12:17 AM »

Author Topic: Citi reconsideration  (Read 201182 times)

Online Mr. CC

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Oct 2015
  • Posts: 653
  • Total likes: 17
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Yerushalayim
Re: Citi reconsideration
« Reply #440 on: November 21, 2016, 04:51:01 PM »
just called reconsideration she said she can't approve it because of lack of verification refused to negotiate.
ONE HUCA did the trick

Offline dealtastic

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Nov 2016
  • Posts: 434
  • Total likes: 14
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: USA
Re: Citi reconsideration
« Reply #441 on: November 23, 2016, 02:23:28 PM »
just called reconsideration she said she can't approve it because of lack of verification refused to negotiate.
ONE HUCA did the trick
It looks like the phone number on the application needs to be in their verification database (and match the applicant's name) in order to approve the application.
Did they request anything else during your second call or just approved you?

Online Mr. CC

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Oct 2015
  • Posts: 653
  • Total likes: 17
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Yerushalayim
Re: Citi reconsideration
« Reply #442 on: November 26, 2016, 02:32:09 PM »
It looks like the phone number on the application needs to be in their verification database (and match the applicant's name) in order to approve the application.
Did they request anything else during your second call or just approved you?
she called me back
the first one asked me if i can receive text I replied negative (location) put me on hold and then said that I can't be approved

Offline curry30

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2015
  • Posts: 172
  • Total likes: 1
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: San Diego
Re: Citi reconsideration
« Reply #443 on: November 26, 2016, 09:34:24 PM »
Weird situation. I have only 3 hard pulls from chase in the last 6 months so I decided to do an app-o-rama with a few citi cards and Merrill lynch. The prestige card went to pending so I didn't apply to anymore Citi cards and shortly afterward applied for the Merrill lynch card. Called Citi's automated line the next day and it said I was declined. Called recon right after and they couldn't find my app and to try again tomorrow. Called the next day and  The automated system said I was declined for too many inquiries.  The CSR couldn't see the reason I was declined so I Spoke to a supervisor. He said the system counted my inquiries from the beginning of the year and said that there was nothing to do and to wait for the letter In the mail. This was my first city app since last October and he couldn't move any credit already that I have from that card to open this one. He was also able to see my Bank of America hard pull on my credit report even though I applied after the prestige! Is that possible or did he pull my credit again?  Is this a case of DROPR or am I sol?

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Citi reconsideration
« Reply #444 on: November 26, 2016, 10:07:17 PM »
You can keep trying, but it appears Citi and BofA are both very inquiry-sensitive right now.

I suspect banks like Citi and Chase are being extra careful right now with cards like the Prestige and CSR, since the churner blogs have been pushing the "apply in November so you can triple-dip the travel benefit" idea.

Offline curry30

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2015
  • Posts: 172
  • Total likes: 1
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: San Diego
Re: Citi reconsideration
« Reply #445 on: November 26, 2016, 10:52:22 PM »
You can keep trying, but it appears Citi and BofA are both very inquiry-sensitive right now.

I suspect banks like Citi and Chase are being extra careful right now with cards like the Prestige and CSR, since the churner blogs have been pushing the "apply in November so you can triple-dip the travel benefit" idea.

But what shocked me is he was able to see my BofA inquiry even though I applied for the BofA card afterward. I didn't know they could do that. BofA was approved in 2 minutes after it went  pending.

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Citi reconsideration
« Reply #446 on: November 26, 2016, 11:01:11 PM »
Maybe the Prestige app wasn't processed immediately. It's also possible that, as when a consumer requests a credit report, Citi gets the most recent version of a report each time they look at it within X number of days after the initial pull.

Offline curry30

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2015
  • Posts: 172
  • Total likes: 1
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: San Diego
Re: Citi reconsideration
« Reply #447 on: November 26, 2016, 11:40:50 PM »
Maybe the Prestige app wasn't processed immediately. It's also possible that, as when a consumer requests a credit report, Citi gets the most recent version of a report each time they look at it within X number of days after the initial pull.

That's news to me... I guess if that's the case app-o-ramas with different banks are dead?

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Citi reconsideration
« Reply #448 on: November 26, 2016, 11:49:37 PM »
That's news to me... I guess if that's the case app-o-ramas with different banks are dead?

Inquiries are reported instantaneously now, so the old app-o-ramas have been dead for a while now. But it's still common to get approved for multiple cards across multiple issuers on the same day.

In your case, if the BofA app was only a couple minutes after the Prestige app, it's possible the Prestige app simply hadn't been processed yet for some reason.

Offline curry30

  • Dansdeals Gold Elite
  • ***
  • Join Date: Dec 2015
  • Posts: 172
  • Total likes: 1
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: San Diego
Re: Citi reconsideration
« Reply #449 on: November 27, 2016, 01:05:31 AM »
Inquiries are reported instantaneously now, so the old app-o-ramas have been dead for a while now. But it's still common to get approved for multiple cards across multiple issuers on the same day.

In your case, if the BofA app was only a couple minutes after the Prestige app, it's possible the Prestige app simply hadn't been processed yet for some reason.

Interesting. So I guess spacing them out is better now just in case this happens...

Offline Round2

  • Dansdeals Gold Elite
  • ***
  • Join Date: Feb 2015
  • Posts: 169
  • Total likes: 0
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: NY
Re: Citi reconsideration
« Reply #450 on: December 01, 2016, 08:16:44 PM »
Applied for the AAdvantage business, got denied called recon and they said for new business accounts your credit needs to have been established for 60 months... Anyone else get that? Is there a point of huca?

Offline yoss6400

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Dec 2011
  • Posts: 795
  • Total likes: 3
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Brooklyn
  • Programs: AAdvantage,sapfire,freedom,marriott, hertz, avis, united
Re: Citi reconsideration
« Reply #451 on: December 07, 2016, 10:44:37 PM »
Has anyone had success with citi recon recently?
if yes anything special to say?
"Credit Cards delaying arguments for 30 Days"

Offline nobiggy

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Dec 2012
  • Posts: 2372
  • Total likes: 14
  • DansDeals.com Hat Tips 7
    • View Profile
  • Location: forums
Re: Citi reconsideration
« Reply #452 on: December 07, 2016, 10:49:11 PM »
Applied for the AAdvantage business, got denied called recon and they said for new business accounts your credit needs to have been established for 60 months... Anyone else get that? Is there a point of huca?

I've got that. It can be a challenge to get a business card from them.

Offline yuguy

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Nov 2014
  • Posts: 801
  • Total likes: 4
  • DansDeals.com Hat Tips 3
    • View Profile
  • Location: Manhattan
Re: Citi reconsideration
« Reply #453 on: December 08, 2016, 06:20:14 AM »
Applied for the AAdvantage business, got denied called recon and they said for new business accounts your credit needs to have been established for 60 months... Anyone else get that? Is there a point of huca?

Wow that's a long time! I've gotten two Citi advantage biz cards and my firs 'twas after having my first credit card for only 18 months. Could be this is a newish rule?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8427
  • Total likes: 1072
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Citi reconsideration
« Reply #454 on: December 22, 2016, 02:58:56 PM »
Applied for citi AA biz and personal, biz got instant approval but the personal got denied. I called the EO and the rep told me that it got denied because of the 60 day rule and that my credit hadn't even been pulled for it. DROPR?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Citi reconsideration
« Reply #455 on: December 22, 2016, 03:23:27 PM »
Applied same day?

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8427
  • Total likes: 1072
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Citi reconsideration
« Reply #456 on: December 22, 2016, 04:29:56 PM »
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Citi reconsideration
« Reply #457 on: December 22, 2016, 04:51:58 PM »
Last I knew, Citi didn't allow more than one CC app within an 8-day period, and some reports elsewhere have claimed Citi now allows only one every 60 days.

Online LoLo

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Aug 2014
  • Posts: 3708
  • Total likes: 160
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
Re: Citi reconsideration
« Reply #458 on: December 22, 2016, 07:40:54 PM »
Applied for citi AA biz and personal, biz got instant approval but the personal got denied. I called the EO and the rep told me that it got denied because of the 60 day rule and that my credit hadn't even been pulled for it. DROPR?
8/65 rule.

Offline mmgfarb

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8427
  • Total likes: 1072
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Citi reconsideration
« Reply #459 on: December 22, 2016, 08:03:33 PM »
8/65 rule.
That applies if one is biz and one is personal?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy