You can call, although Citi isn't really known for great recon results. It's worth a try though. They are typically pretty strict with the Costco card though.
Got the denial letter from them recently:
Reason for denial:
- Your credit report shows insufficient credit history.
- There is a lack of recent installment loan information on your credit report.
Back page shows 737 as my score (10 points higher than my Experian showed before applying), then also lists what adversely affected my score... too few accounts rated current, the length of time accounts have been established on the report, and too many inquiries in the last 12 months.
Is there any benefit in me calling them? I gotta wait till I get a mortgage to apply again?
I think these reasons can be argued on recon. It's at least worth a try.