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If you’ve applied for a Citi card recently, and received an application denied message in your browser, you might be in for a surprise. .
Citi has policies in place where if the credit line being extended with a new card takes you above a certain threshold for total unsecured credit lines with your other Citi cards, your application needs to have manual approval from a credit analyst.
For example, if the threshold is $75,000 and your total credit lines across Citi cards are $70,000, a new card could put you above the auto approval threshold.
Unfortunately in this situation some of Citi’s credit card application pages are defaulting to a message that says you’ve been outright denied for a card. We’ve been getting several reports of this from visitors applying for World Elite level cards, which tend to have higher credit lines.
In reality, it’s not showing denied internally, and is simply being processed for review.
So you may be surprised to get an email a few days later saying you’ve been approved.
If you think you got a denial in error, you can call the application status hotline on 1-888-201-4523
It will tell you if your application is actually still being processed, rather than outright denied.
There’s no need to speak to anyone directly, as in these situations your application is simply put in a queue for an analyst to review and approve the total credit line.
Of course, if you’ve been applying for Citi products too frequently then you will be denied.
Generally, you can’t apply for more than one Citi product in a week (so applications should be spaced 8 days apart). And Citi doesn’t like to see more than 2 credit card applications within 60 days.
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