Credit Card Reconsideration Phone Numbers

Credit Card Reconsideration Phone Numbers are used when you apply for a credit card and do not get instant approval.  Usually credit card companies will review your application and it might take 1-2 weeks to get an answer.  However, by calling the reconsideration line you can talk to a credit analyst right away who can process your application on the spot.  I usually call as soon as I get a pending review on my application.  Be truthful when you call.  Here are the list of phone numbers(mostly direct lines) you can call to get approved for your credit card faster:

  • American Express – 866-314-0237
  • Chase Personal – 888-245-0625
  • Chase Business – 800-453-9719
  • Citibank – 800-695-5171 or 800-763-9795
  • Barclays – 866-408-4064
  • US Bank – 800-947-1444

Some tips that I use to succeed on my credit card reconsideration:

  • I study the credit card perks and understand the ones I am genuinely interested in.
  • I state why the perks attract me to the credit card.
  • I explain my loyalty to the specific credit card company (I’m actually loyal to most of them).
  • I explain how I always pay on time and in full.
  • I explain I need to separate business expenses from personal expenses.

29 comments for “Credit Card Reconsideration Phone Numbers

  1. adi
    February 10, 2013 at 10:46 pm

    awesome it helped thanks. however, it was becoz it was 11.5 months that I applied that card, now it was 12 moths so she accepted it.

    • February 11, 2013 at 6:03 am

      Cool congrats!

      • November 5, 2013 at 2:27 pm

        thanks so so much
        please help me now!!
        on chat with citi bank for their Citi Dividend Card, what do i need to know to make sure they accept me?

        full update of success. many thanks
        1. Barclys accepted me instanlty for $1300 credit
        2. American express accepted me instanlty without any number I think it means $500
        3. Citi bank said they need to verify info I need to call them.
        Do u have any idea what will be their concerns?
        4. Discover- got no email from them at all
        5. Bank of america- no email at all.
        How long do I need to wait till I sign up again to a few credit cards.
        Many Thanks

      • November 5, 2013 at 3:33 pm

        thanks so much.

        question i did today at once. america express, citi, barcly, bank of america, and discover. got accepted by all besided bank of america
        1. do you have a number i can call them
        2. would you advise i apply to capital one card today, or should i wait?
        many thanks

        • November 5, 2013 at 4:52 pm

          I would wait. I actually would not apply for capital one because it does 3 credit pulls! I believe Bank of America reconsideration is (866) 458-8805. I would call right away. Thanks for applying!

          • leiby
            November 6, 2013 at 5:07 am

            thanks so much.
            seems this number is not working any more.

      • November 6, 2013 at 5:30 am

        chase in card rejected due to limited time of credit.
        i have 0 late payments and always have money in the account in chase.
        i am authorized use for other card, but they rejected me.
        i am furious
        please advise.

        • November 6, 2013 at 5:41 am

          Try calling again. Could take many tries

  2. adi
    February 10, 2013 at 10:47 pm

    Sry I meant, I had to have 12months credit history to get that card, When I called them the second time it was 12months, so got accepted.

  3. Paul
    July 4, 2013 at 8:49 pm

    Paying on time and in full is a reason NOT to want you as a customer. The best CC customer is one who consistently maintains a modest/high balance and is charged interest for the rest of their life.

    • July 5, 2013 at 5:52 am

      Yes, but if you default on payments they can see you as a huge risk.

      • leiby
        November 6, 2013 at 5:04 am

        what do you mean default on payments.
        i set up all my cards with auto full payment and day due,do you advise that i want to reach the credit score of 850 i am now 784.
        please advise

        • November 6, 2013 at 5:42 am

          Meaning if you fail to pay. You are fine.

  4. leiby
    November 5, 2013 at 6:03 pm

    sorry mr roms i had applied already for capital one already, i hope it wont affect my credit to bad.
    bank of america declined and would not give me any info over the phone they said i must send only in writing to their address:
    credit acquisition (to be reconsidered)
    FIA Services
    p.o box 15023
    Wilmington Delaware 19850

    1. can you send me a ready letter to send that i can feel in details and send without delay?
    2. would you advise waiting 7 days till i get the letter from them
    3. i also applied for a business card from chase, i hope all goes well
    4. i started off today with score of 784 and no late payments and using only 8% of my credit and all other amazing points, hope i did not mess it up.
    5. please help me how to proceed, bank of america declined, capital one – pending, chase ink – pending.

    • November 6, 2013 at 6:15 am

      1. Sorry I don’t have a letter written, but you can just state your situtation and you have a good credit score. Also state why you really want the card.
      2. I would always call right away.

  5. leiby
    November 6, 2013 at 6:04 am

    1. chase- do you advise i call back today, or wait a few days?
    i am so upset you can not imagine it seems you should notify the crowd that chase cares mostly about the time of your credit you currently have, not considering a card you have with other if you dont have responsiblity. i am a very good client of chase and i am really upset.

    2. bank of america if you can find any number for me would be appropriated.

    3. capital one- did not get any reply yet.

    4. is there anywhere a default ready letter to send to reconsider,
    please please post here text of letter to ask to reconsider.
    i would like to send it chase and bank of america.

    5. citi bank on chat told me they authorizing me 5100 chase says it only shows up as $500, what can i do?

    many thanks

    • November 6, 2013 at 6:48 am

      1. That is very strange, try calling them and talking to another representative. When was the last time you applied for a Chase credit card? I recommend waiting 3 months between Chase credit card applications.

      2. Try (877) 721-9405.

      3. I’ll try to find some written letter example.

  6. leiby
    November 6, 2013 at 6:39 am
  7. leiby
    November 6, 2013 at 1:55 pm

    1. thanks, will need to be more carefull in the future, what do you advise to do about chase?
    2. i am self employed i would i prove income to capital one instantly? they told me a signed letter will be ok.

    • November 6, 2013 at 7:35 pm

      1. Call the reconsideration line at least 2-3 times. If that doesn’t work then you might have applied for too many cards too quickly. Take it slowly.

      2. You can try writing a letter. Sorry, I don’t have a Capital One card.

      • leiby
        November 7, 2013 at 4:36 pm

        1. capital one they made a credit check, and asked me to proof income, and told me it can take up to 14 days till they decide, do you think it worth calling to try to offer if there is anything else they need to speed up the progress.

        2. chase business, seems they rejected me cause they dont seen any credit only my chase card less then 3 months he told me that i have on citi $500 usd and i told him i have $5000 he told me it doesnt show up, and i am new at credit and no way will i get approved, he was very rude, i am a very good costumer of chase i tried to speak to him, but he very abrubt and harsh and did not offer a discusion. it seems he decided the descion on the spot and would not regret on it.

        please advise

        • November 8, 2013 at 4:33 am

          Keep calling at least 3 times. I wait at least 91 days to sign up for more cards. They probably did not like that you applied too quickly.

      • May 21, 2014 at 12:20 pm

        that, allow me tell you what did do the job. The text can be incredibly egignang and this is most likely the reason why I am making the effort to comment. I do not make it a regular habit of doing that. 2nd, although I can see the leaps in reasoning you make, I am not sure of exactly how you seem to unite your ideas which in turn produce the conclusion. For right now I will, no doubt subscribe to your point however hope in the future you link your dots better.

  8. leiby
    November 8, 2013 at 5:55 am

    1. chase will not even reconsider as i have no credit rerecorded on my name as the card i have i am only a authorized user.
    was just thinking to ask them if they dont allow me the bussiness card before i have at least 3-6 months of credit handling of over $5000 as that is the min they like to auothorse for bussiness cards.

    2. increasing credit limit!
    what do you advise about asking to exceed credit limit.

    do you think i should ask them now that my credit check was done can they exceed my credit limit.
    so they dont need to make another check.
    please advise

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