An issuer has to give a valid reason, which in reality may or not be the actual primary reason for denial. Based on the info you shared they probably did not like the 31% aggregate utilization.
As for recon it's always an option if the issuer allows it, not all do (Synchrony doesn't) and while Citi does (expect another HP) with their core cards I'm not positive about their Retail Services division.
In this particular case suggestions regarding recon are moot because it's been more than 30 days since the application.
(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850
$1M+ club
Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
