Credit Card Reconsideration (Phone Numbers, Tips & Alternatives)

Credit Card Reconsideration (Phone Numbers, Tips & Alternatives)

credit card advice

Brittney Mayer
By: Brittney Mayer
Posted: May 24, 2018
Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

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).

Phone Numbers | Tips for Success | Other Options

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.

Amex | BOA | Barclays | Capital One | Chase | Citi | Discover | U.S. Bank | Wells Fargo

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

You can also check your Amex application status online.

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

You can also check your Bank of America application status online.

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.

Graphic of FICO Score Components

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.

Good Credit | Fair Credit | Bad Credit | No/Limited Credit

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.

Discover it® Cash Back Review

at Discover Card'ssecure website

GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 14 months
0% for 14 months
13.49% - 24.49% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Unlimited 1.5% cash back on every purchase — it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases for 15 months
0% Intro APR on Balance Transfers for 15 months
16.49% - 25.24% Variable
$0
Excellent/Good

+See More Cards for Good Credit

Best Credit Cards for “Fair” Credit

Whether you’re building credit for the first time or rebuilding after hitting some bumps, a FICO score between 580 and 669 means you have “Fair” credit. Typical denial reasons for fair-credit applicants will often be based on a limited credit history or whatever negative items caused your credit score to fall into the fair range.

To limit denials — and, thus, reconsideration calls — you should first check for pre-qualification offers with your desired issuer. Pre-qualification uses a soft credit inquiry (which won’t hurt your credit score) to estimate your approval chances. Not being pre-approved may mean you should select a different issuer. You can compare fair-credit options starting with our expert-rated picks below.

FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$0
Average, Fair, Limited
FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Unsecured Visa® for Rebuilding Credit Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.0/5.0
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.49% - 25.49% Variable
$0 - $99
Fair

+See More Cards for Fair Credit

Best Credit Cards for “Bad” Credit

When your credit score falls below 580, you are considered to have “Bad” credit. And that bad credit is very likely why your application for a new credit card was denied in the first place, which means your chances of a successful reconsideration are small if you’ve applied for a card outside your credit range.

With bad credit, the best way to obtain a “yes” on your application is to apply to an issuer who specifically accepts poor-credit applicants. This may mean applying for a subprime unsecured credit card or opening a secured credit card. You can begin exploring your options with some of our top poor-credit cards.

Fingerhut Credit Account Review

at Fingerhut'ssecure website

BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • Easy application! Get a credit decision in seconds.
  • Build your credit history – Fingerhut reports to all 3 major credit bureaus
  • Use your line of credit to shop thousands of items from great brands
  • Take advantage of low monthly payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See Issuers Website
$0
Poor Credit
BAD CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It's a credit card accepted at millions of locations worldwide
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.99% (Variable)
$0
Limited, Bad
First PREMIER® Bank Mastercard® Credit Card Review

at the issuer'ssecure website

BAD CREDIT RATING
★★★★★
4.5
OVERALL RATING
4.0/5.0
  • Checking account required
  • Application response in 30 seconds
  • Know the score! Quarterly FICO score on your monthly billing statements
  • All credit types welcome to apply
  • Your First PREMIER Bank credit card activity is reported to the Consumer Reporting Agencies each month. Making your payment on time and keeping your balances low relative to the credit limit will result in positive marks on your credit report
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
See issuer website
See issuer website
Bad Credit

+See More Cards for Bad Credit

Best Credit Cards for “No/Limited” Credit

Regardless of how nice your credit score looks, if you have less than a year (or, for some issuers, two years) of credit history, you will appear to be a risky applicant to many credit card companies. In some ways, a limited credit history is the easiest denial reason to explain during reconsideration, especially if what payment history you do have is all positive. After all, everyone starts somewhere.

That being said, you can improve your chances of being approved upon application by simply choosing a credit card designed to help new cardholders establish credit. This may mean a student card (most don’t actually require you to be a student to apply), a secured card, or an unsecured starter card from a major issuer. Take a look at our list of cards for no/limited credit to get started.

NO/LIMITED CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
24.74% (Variable)
$0
Average, Fair, Limited
Discover it® Student Cash Back Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.5/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair
Discover it® Student chrome Review

at Discover Card'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.6
OVERALL RATING
4.0/5.0
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 6 months
10.99% for 6 months
14.49% - 23.49% Variable
$0
Fair

+See More Cards for No/Limited Credit

Rejection Isn’t Always the End

Whether it’s an application for a new credit card or being stood up for a blind date — rejection sucks. But while nobody likes to feel as though they weren’t up to snuff, sometimes all it takes is a little more information to make someone reconsider their first impression.

So, the next time you apply for a credit card and see the dreaded “Pending” screen (or, worse, get rejected outright), remember that it doesn’t mean all is lost. A phone call, a friendly tone, and a reasonable explanation may be all you need to enjoy a successful reconsideration and put that new piece of plastic in your pocket.