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Credit Card Reconsideration (Phone Numbers, Tips & Alternatives)

By: Brittney Mayer Updated: 8/10/2018

Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Our articles follow strict editorial guidelines and are updated regularly.

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Some decisions in life are easy to make simply based on the facts at hand. But some first impressions are worthy of reconsideration when the whole story comes to light. For instance, you may be keen to end a first date when the person shows up late — until you find out it was to rescue a puppy from a burning building.

In the same way, the initial decision you receive for a credit card application is based on the facts present on your credit report. But those facts may not tell the whole story. Credit card reconsideration can give you a chance to explain the circumstances behind any negative items on your credit report to a human (not an algorithm).

How to Contact an Issuer for Reconsideration

For just about any credit card applicant, seeing the “Pending” response is completely deflating (especially if you grew up in a household where “maybe” always meant “no”). Although you can sometimes simply wait it out and get a positive result, some people have had success calling the credit card company and requesting reconsideration.

Note that reconsideration success seems to vary drastically between issuers, and some issuers may only reconsider applications that contained an error of some kind. Additionally, while some issuers have direct reconsideration lines, the numbers can change from time to time. Additionally, some issuers may require going through a menu or a series of representatives — or even snail-mail — to get to someone with the power to change your approval status.

American Express Reconsideration Line

American Express doesn’t have a specific reconsideration line, so if you’re interested in reconsideration for an American Express credit card, you can call the application status line (for new customers) or the general cardholder line (for existing customers).

  • New Customer: 877-399-3083
  • Existing Customers: 866-314-0237

Bank of America Reconsideration Line

To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. Note that Bank of America’s reconsideration line phone number reportedly changes on a regular basis, so you may have better luck through the general account line.

  • Reconsideration Line: 866-224-8555
  • General Account Line: 866-458-8805

To check the status of your Bank of America credit card application, you can call the application status line.

  • Personal Credit Card Customers: 877-721-9405
  • Business Credit Card Customers: 800-481-8277

Barclays Reconsideration Line

To talk to a Barclays personal credit analyst for reconsideration of a Barclays credit card application, you can use the reconsideration line. You may also have success through the general card services line. For specific credit line questions, try the dedicated number.

  • Reconsideration: 866-408-4064
  • General Card Services: 888-232-0780
  • Credit Line Questions: 866-408-4064

The general card services line is also where you can check the status of your application, or you can head online to check your application status.

Capital One Reconsideration Line

Capital One doesn’t have a dedicated phone line for Capital One credit card reconsideration requests, but you may have luck contacting one of the other customer service lines. Note that Capital One will likely refuse to look into your application until you have received an official email response.

  • Application Services: 800-625-7866
  • General Customer Service: 800-951-6951

To check your Capital One application status, you can call the dedicated line (application status is option three as of this article, but may change in the future).

  • Application Status: 800-933-5182

Unfortunately, you cannot currently check your Capital One credit card application status online.

Chase Reconsideration Line

To contact a representative for reconsideration of a Chase credit card application, you can use the reconsideration line.

  • Reconsideration (Personal): 888-270-2127
  • Reconsideration (Business): 800-453-9719

To check the status of your Chase credit card application, you can call the general customer service number or dedicated application status line.

  • Customer Service: 800-432-3117
  • Application Status: 800-436-7927

If you already have a Chase online account, you can check the status of a pending application by logging into your account. Otherwise, you cannot check the status of Chase credit card application online.

Citibank Reconsideration Line

While you can discuss Citi credit card reconsideration with a representative through the application inquiry line, reviewers generally report more reconsideration success writing to the Citi Executive Review Department.

  • Application Inquiries: 800-763-9795
  • Executive Review Address: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD, 57117

You can check your Citi credit card application status by calling the dedicated application status phone number.

  • Application Status: 800-695-5171

You can also check your application status online through the dedicated application status page.

Discover Reconsideration Line

While your Discover credit card application decision is unlikely to be reversed through reconsideration, you can still make the attempt by calling the application services line or the general Discover customer service line.

  • Application Services: 888-676-3695
  • Customer Service: 1-800-DISCOVER

The general customer service line is also where you can check your Discover application status, or you can head online to check your status.

U.S. Bank Reconsideration Line

To contact a customer service agent for reconsideration of a U.S. Bank credit card application, you can call the general card services line.

  • Card Services: 800-685-7680

To check the status of your U.S. Bank credit card application, you can contact the automated credit card underwriting services line.

  • Credit Card Underwriting Services: 800-947-1444

You can also check your application status online through the U.S. Bank online banking platform.

Wells Fargo Reconsideration Line

To contact a representative to discuss reconsideration of a Wells Fargo credit card application, you can use the reconsideration line.

  • Reconsideration: 866-412-5956

If you simply wish to check your Wells Fargo application status, you can use the dedicated application status line.

  • Application Status: 1-800-967-9521

You can also head online to check your Wells Fargo application status through the online portal.

Tips for a Successful Reconsideration Experience

Depending on the issuer, your reconsideration call may be an uphill battle before you even get on the phone. Even for issuers who are generally responsive to reconsideration, what you say on your call — and how you say it — may make all the difference.

First and foremost, if you internalize nothing else beyond this point, remember this: Be Polite. The minute you lose your temper, start using foul language, raise your voice, or otherwise act uncivilized, the representative on the phone will not only likely lose any interest in helping you, but may also be well within their rights to hang up on you.

Once you’ve made a little small talk with the representative, it’s time to get to the nitty-gritty and request reconsideration of your application. If you received a letter or email explaining your denial, this is the time to address the specific issues at hand. If you’re unsure of why your application wasn’t approved, the representative should be able to tell you.

Pulling your credit reports before calling for reconsideration can also help you determine which accounts were responsible for your application being denied, as well as giving you the facts for a potential explanation. Some items that look bad to a decision algorithm can be easily explained to a human representative.

For instance, a series of recent hard inquiries on your credit report is a common reason for rejection, particularly if they are obviously the result of credit card churning. But if those inquiries were the result of rate shopping for new mortgage or auto loan, many creditors will often overlook them and your application may be approved by the reconsideration representative.

Your credit score is made up of five main components, any of which can be the reason you are denied a credit card.

Of course, you’ll need to ensure your explanation for any questionable items or accounts is reasonable — and factual. A lie will be caught quickly if the company asks you to provide supporting documentation.

You should also have a legitimate reason for why you wish to obtain a new card, especially if you already have a large number of cards and/or have recently opened several credit cards.

Few issuers will reconsider an applicant who admits they are only after a signup bonus, as credit card churners typically make poor long-term customers.

Instead, be able to explain which specific features of the card you wish to gain, particularly the features that differ from your current cards. This could be things like greater rewards for purchases you make frequently or to take advantage of a lower APR for a balance transfer.

Another common tip for reconsideration success is to leverage any existing relationship you have with the company. If you’ve had a checking or savings account with the bank for many years, it may be more inclined to reconsider your credit application.

Additionally, some issuers will happily give you another credit card — just not more credit. In these cases, if you agree to close another card and/or transfer available credit from another card with the same issuer, you may earn approval. For example, if you have a Chase Freedom card and want to obtain a Chase Sapphire Preferred card, you may be able to transfer some of your credit limit from the Freedom to the Sapphire Preferred.

Finally, if your best persuasive speaking skills fail to sway your current representative, you can always try to speak with a more understanding person. This may mean escalating the call to a manager, or it may mean hanging up and calling back (many customer service call centers have large numbers of representatives, making it easy to obtain a new rep if you call in again).

If Reconsideration Doesn’t Work, Try Another Card

In the end, even your best efforts may not result in your application being approved; some credit card relationships are simply not meant to be. Thankfully, there are plenty more proverbial fish in the credit card sea.

If you’re nursing the sting of credit card rejection and worried about being hurt a second time, your best bet will likely be to choose a new card based on your credit — and the card’s typical approval range — rather than solely on its perks or rewards. Applying for credit cards you’re more likely to qualify for in the first place will minimize your odds of being rejected due to concerns about your credit risk.

Best Credit Cards for “Good” Credit

When your FICO credit score is 670 or better, you’re generally considered to have “Good” credit. In general, the reasons good-credit applicants get denied for a new credit card are because of too many recent accounts (such as in the case of churners), or because of a limited credit profile (typically a credit history less than year long).

Because each issuer has its own rules and limitations regarding things like utilization rates, number of inquiries, and credit history length, applicants with good credit can usually find another card option simply by changing issuers. Our favorite cards for good credit include cards with rewards, awesome intro-APR deals, and some without annual fees.


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