How many do you have? And are any from auto/mortage shopping? If so, you have a shot. If not, the decision will be upheld and no one can overturn it.
It's not a matter of finding or buttering up the right rep, it's a limitation imposed on them. I have never read a single successful Citi recon other than a decline for too many INQ due to auto/mortage shopping. Even supervisors and managers are bound to uphold the systematic decision. The only appeals process is to fax or mail in a copy of your recent credit report that reflects any changes. It never hurts to try a recon and anything is possible, but Citi seems to strictly enforce the system decisioning process.
@Open123 wrote:Unless it's mortgage related (even then it's an uphill battle), Citi credit analysts cannot manually overturn an automated rejection.
Of all the credit card companies out there, Citi is the most rigid when it comes to recon since automated decisions cannot be superceded by anyone. Maybe, except for Vikrim Pandit, and even then it would require a board meeting.
Not true. I was denied for the Forward card (due to inquiries) a while back. I got nowhere with the drones on the customer service line, but I called their executive offices and the guy said he would take another look at my application...called back a few days later with an approved $2k CL.
It can be done, but it takes some dedication.
