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 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.
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