Chip Lupo, Credit Card Writer
@CLoop
Your Best Buy® Credit Card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Citibank explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call Citibank's application number at 1-888-574-1301 for further clarification.
Possible Reasons Your Best Buy® Credit Card Application Was Denied
- Credit score is too low
- Not enough credit history
- Income is too low or unstable
- High debt relative to your income
- Too many recent credit inquiries
- Late payments on your credit report
- Using too much available credit
- Errors on your credit report
- Unresolved bankruptcy on your credit report
- Errors on your application
- Forgotten credit freeze, credit lock, or fraud alert on your credit reports
If your credit score is less than good, then you don’t meet the minimum credit score requirement for the Best Buy® Credit Card. You can check your credit score for free right here on WalletHub if you're not sure what it is. Also, you can use our CardAdvisor tool to consider your personalized card options.
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People also ask
Why was I not approved for the Best Buy credit card with a score over 700?
It’s difficult to say why you were not approved for the Best Buy® Credit Card as meeting its minimum credit requirement doesn’t guarantee approval. While the Best Buy® Credit Card requires good credit or better (a credit score of 700+) for approval, there could be several other reasons why applications may get denied. Issuers are required by law to inform you of why your application was rejected. Some of these reasons may include not enough credit history, low disposable income, too much existing debt or...
read full answer by Benny Joseph, WalletHub AnalystHow do I contact the Best Buy Credit Card reconsideration line?
To request reconsideration for a rejected Best Buy® Credit Card, call Citibank customer service and ask a representative to direct you to the reconsideration department. Asking for reconsideration is a way for you to request a second review of your application and potentially get a denial overturned.
What You Need for Best Buy® Credit Card Reconsideration
If you call to request reconsideration from Citibank, make sure you are prepared to make an argument for why you should be approved....
read full answer by Adam McCann, Financial WriterWhy was my Citibank credit card application denied?
Your Citibank credit card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Citibank explaining the reason for the denial.
Possible Reasons Your Citibank Credit Card Application Was Denied
- Credit score is too low
- Not enough credit history
- Income is too low or unstable
- High debt relative to your income
- ...
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