Citi Application Status Check + Tips Reconsideration Phone Line / Number

Check Citi Application Status Online

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. You can easily check the status of your application. If you were denied, the Citi reconsideration department can reverse the denial over the phone!

How to Check Your Citibank Credit Card Application Status

Similar to Bank of America and Amex, you can check your Citi application status online.  The catch is that you will need your Application ID which may not always be presented after you get the “pending approval” screen.  You can obtain that ID # by calling (instructions below).

Citi Application Status

Citi Reconsideration Phone Line / Number for Denied or Pending Applications

If your online credit card application went to pending decision without an application ID or was straight-out rejected, your next best move is to call the Citi reconsideration phone line.  Even if the application is pending, there is still no downside to calling as you will be speaking with live credit analysts who have the power to approve your pending application or reverse your denial over the phone.

There are quite a few phone numbers to call.  Here are the ones I found to have the most direct method to reach a live rep and also numbers that yield the most promising results:

  • Personal Cards: Call 800-695-5171 or 888-201-4523
  • Business Cards: Call 800-763-9795 or 800-645-7240

What to Say to Citi Credit Analysts

Keep in mind that the Citi credit analysts have approval power, so you want to be soft-toned and as helpful as possible. If you are unsure of what to expect during these calls, here is an example:

  • Citi Credit Analyst: My name is Mary.  How may I help you?
  • Me: Hello Mary, how’s your day going so far?
  • Citi Credit Analyst: It’s going fine; thanks for asking (or some similar variation… if the small talk continues, just go with the flow).  How may I help you?
  • Me: I recently applied for a credit card online and I am surprised I didn’t get instant approval.  I wanted to see if I could help answer any questions in efforts to facilitate the approval process.
  • Citi Credit Analyst: I would be happy to have a look.  Do you have an Application ID?
  • Me: (Provide if you have one.  If not: say this) I do not have one – are you able to look it up by social security number?
  • Citi Credit Analyst: Yes – may I have your social security number?
  • Me: (Provide your social)
  • Citi Credit Analyst: Please hold 2-5 minutes while I look up your application.
  • Me: No problem – take your time.  I am in no rush.

Often times, the credit analyst gets off hold and tells me I am approved without any additional verification.  When asked why I didn’t get instant approval, the replies I have received varied, but generally along the lines of spelling of “street” instead of “st” or some other formatting that the Citi system didn’t like on the application.

Unlike Chase and Bank of America, I find Citi and Amex to be the most lenient in approvals with Citi taking the throne.  To date, I have been rejected only once by Citi.  It was for the Citi AA Business credit card and the rejection was solely driven because I did not follow my own guidelines on when to reapply for signup bonuses.

Citi Credit Analysts for Business Credit Cards

Citi business credit cards are equally as easy to get approved over the phone.  Remember, you can apply for business credit cards legitimately, even if you do not own your own business.  Citi reps know this and will make the decision based on your personal credit report.

The “8/65” Rule

If you have not applied for a Citi credit card yet, it is very important you are familiar with the 8/65 rule.  Simply put: No more than 1 Citi credit card application within an 8 day period and no more than 2 Citi credit card applications within a 65 day period.  If you break this rule, you will be rejected and all the tips in the world will not get the denial reversed.

Other Tips – For Those with Negative Remarks on Credit Report

If you know of any negative remarks on your credit report ahead of time, be prepared to speak to it.  Whatever the reason for the negative remarks, be prepared to explain it in a way where the credit analyst can sympathize with you. The most important part is to stress that it was a one-off event, and that it will never happen again! I repeat these words of caution often: If you cannot pay your credit card bills in full every month you should not be collecting points through credit card bonuses as you may end up deep in debt. A free trip may help you feel better but it’s not worth falling into debt for!

Finally, if the credit analyst still isn’t sold, try asking for the minimum credit line allowed for that particular credit card, or, if you have existing credit cards with Citi, request transferring existing credit so that you can get approved for the new credit card (without increasing total exposure).

See my post on Chase Application Status Check + Tips on Reconsideration Phone Line / Number to see additional tips on owning your calls with credit analysts.

RewardBoss Citi Credit Card Picks

Here are my picks for the best credit card offers currently available:


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  1. Another tip. Citi really hates inquires and I mean really hates them. I recently was instantly denied for the Citi Premier due to “too many recent inquires”. I had a 2 from credit cards and 6 from a recent house purchase. After three calls to the recon lines and two different supervisors they were all unable to “override the computer”. They were very unhelpful and it was a very different call than Amex/Chase. They keep insisting that I dispute the inquires with the credit bureaus. That is the stupidest thing I have ever heard.

    I was approved after writing a letter to their executive review team… Honestly, I don’t even want the card anymore after the debacle of getting approved.

    • I suspect there is more to the rejection than just too many inquiries in past 12 months. I have had 16 new cc accounts in 2015 and continue to have no issues getting approved for citi cards.

      • Citi is strange. They told me that I exceed 6 inquiries in the last six months (which is true, but a majority of them were mtg which they didn’t seem to care). Anyway, I was just instantly approved for the Citi AAdvantage World MC. I’m starting to think that Citi is similar to Chase’s new rules, meaning that they are more sensitive for their TY products / double cash than their cobranded cards. Just a thought.

    • Been rejected multiple times. Stopped calling the Citi recon line after the headache. Written letters now and get approved that way. 3x.
      Only Barclay is more annoying on the recon. Of course Chase is/was the best via phone until the new rules.

    • thanks – i am in the same shoe as you. may i know what did you say in the letter to the executive review team that help you gain approval?

      is this something that needs to be done by snail mail to “CitiBank Executive Review Department P.O. Box 6000 Sioux Falls, SD 57117”?

    • Tom – This is the address that I wrote to. They approved the account about a week and a half later. Citi’s recon line is useless.

      CitiBank Executive Review Department P.O. Box 6000 Sioux Falls, SD 57117

  2. I apply for a citi advantage card and was approved instantly, but didnt get the card after 8th days of being approved, i was approved on a Saturday but didnt get no card on the other Saturday

    • Don’t know why Citi is so slow, but this is normal. My card usually takes 1-2 weeks before arriving. No need to worry until 2nd week passes.

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