How do I contact the Citi AAdvantage Business Card reconsideration line?

To contact the Citibank reconsideration line, call 1 (800) 695-5171. Calling the Citibank reconsideration line is a way for credit card applicants to request a second review of their application and potentially get their denial overturned.

If you call to request reconsideration from Citibank, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your...

The Citi® / AAdvantage Business™ World Elite Mastercard® credit score requirement is excellent credit or better. That means we recommend a credit score of 750 or better to have a shot at getting approved for the Citi AAdvantage Business Card. You can check your credit score for free here on WalletHub to see if you qualify.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Citi AAdvantage Business Card. Some other key criteria include...

If your credit card application was denied, you can ask the creditor to reconsider your application by calling their reconsideration line. This gives you a chance to explain your financial situation and potentially overturn the decision.

Call the reconsideration line as soon as you receive the denial notice—ideally within 30 days. Acting quickly increases the chance of reversing the decision before it becomes final or before your credit profile changes again.

Reasons Your Credit Card Application Can Be Denied

• Too much existing debt: High balances suggest you're overextended and may struggle with more credit.
• Low credit score or limited credit history: Credit card issuers may see you as a high risk if you have little to no credit history.
• Too many recent applications or inquiries: Applying for several cards at once can raise red flags and lower your score.
• Insufficient income: Your income may not support additional monthly debt obligations.
• Negative account history: Late payments or bankruptcies can significantly impact your approval chances.

If your credit card application is denied, start by calling the card issuer to ask for reconsideration as sometimes a simple clarification or update to your income can change the outcome. You should also review your credit reports for any errors, pay down existing debt, and give your credit time to improve before applying again. If needed, consider applying for a more suitable card, like a secured or student credit card, to build your credit profile.

How to Ask for a Credit Card Reconsideration

1. Know why you were denied. Review the denial letter or notice.
2. State why you're calling. Let the issuer know you're requesting reconsideration.
3. Be prepared to make your case. Highlight recent positive changes (e.g., higher income, paid-off debts).
4. Be open to negotiations. You may be approved for a lower limit or different product.
5. Sell yourself as loyal and responsible. If you have an existing relationship with the issuer, be sure to mention it.

If you decide to request reconsideration, you’ll need to contact the card issuer directly. Below are the reconsideration phone numbers for major credit card companies.

Reconsideration Lines for Major Credit Card Companies

A credit card denial isn’t the end of the road. By understanding the reason, improving your financial profile, and reaching out through the proper channels, you may be able to turn a "no" into a "yes." Even if not, it's a valuable opportunity to strengthen your credit for future applications.

For more details, check out WalletHub’s credit card reconsideration guide.