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What is a credit card reconsideration call?
Welcome to the Monkey Miles Beginner series where we drop a tip, hint, tutorial, trick that maybe you’ve missed or haven’t heard before. If you’re an expert in this field, some of these may be things you already know, but there are a lot of beginners out there who are just getting their feet wet and these posts should help. Let’s take a look at what a credit card reconsideration call is and how to go about making one. Without further adieu… What is a credit card reconsideration call?
You’ve applied for a card and gotten rejected. Game over right? Wrong. You can ask for reconsideration.
Reconsideration is one of the most powerful tools we have when acquiring a new credit card, and often times a bank’s algorithm has rejected us without a single set of human eyes taking a look at your application. Reconsideration is putting you in front of humanity and asking them to take another look at your application.
How do you go about making a reconsideration call?
Depending on a the bank there are special numbers to call. Here are a few that have been compiled. H/T DoC). Numbers change…please let me know if any of these aren’t working.
-
American Express
- 877-399-3083
-
Bank of America
- Personal
- 1-800-354-0401
- 1-866-505-7481
- Business
- 888-782-7717
- 888-569-4436
- Personal
-
Barclay
- Personal:
- 866-408-4064
- Business:
- 866-408-4064
- Personal:
-
Capital One
- 1-800-625-7866 ( application services – this will lead you to a rep )
-
Chase
- Personal
- 1-888-609-7805
- old number – 1-888-270-2127
- 1-888-609-7805
- Business
- 800-453-9719
- Personal
-
Citi
- Personal
- 800-695-5171
- Business
- 800-763-9795
- Personal
-
U.S. Bank
- 800-947-1444
- 800-685-7680
-
Wells Fargo
- 1-866-412-5956
- 1-800-967-9521
Ok, I have my number. Now what?
You’d better get your charm offensive prepped because you’re going to have to rock this call. Be the nicest, sweetest, funniest version of your point grubbing self 😉 Why do you think Miles has that perma-smile? He’s made so many retention calls it’s there permanently. Here’s few tips
- Talk to them like a person. There are a lot of jerks out there. Be nice!
- Never bring up the sign up bonus.
- Know all the perks of the card
- Know all of the cards you have with the bank
- An easy way to do this is to log in to your online account and keep it open during the call.
- Ask why you were rejected.
- If it’s because you already have too much credit, ask if you can rotate credit.
- If it’s because of 5/24…you may not get this one resolved.
If at first you fail…try, try again.
If you get rejected once….HUCA. Try another rep.
Being nervous for one of these calls is normal. Just go for it! The worst thing that happens is rejection. And if you’re calling for reconsideration…you were already rejected! What do you have to lose?
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.