Please note that Citi has a rule against accepting applicants with a bankruptcy in the last two years. And like other issuers of secured cards, they will turn down people who don’t have enough income to make payments, or who have too much debt relative to their income.
If your application for a Citi Secured Mastercard was denied, you might have a second chance by calling Citi's reconsideration line at 800-695-5171. By discussing your credit history, income, or other financial factors, you may be able to convince them that you should be approved for the card after all.
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