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Got denied on your credit card application? Try calling reconsideration

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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?

Miles Credit Cards

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
  • Barclay

    • Personal:
      • 866-408-4064
    • Business:
      • 866-408-4064
  • 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
    • Business
      • 800-453-9719
  • Citi

    • Personal
      • 800-695-5171
    • Business
      • 800-763-9795
  • 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

  1. Talk to them like a person. There are a lot of jerks out there. Be nice!
  2. Never bring up the sign up bonus.
  3. Know all the perks of the card
  4. 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.
  5. Ask why you were rejected.

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.

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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.

5 Comments

  • Chakat's Rats January 7, 2024

    Chase gave me a new number for their reconsideration team for personal cards, 1-888-609-7805. The number you have listed (1-888-270-2127) seems to go to a more general “application status” line instead now.

    • Miles January 7, 2024

      excellent! Will update, how did it go?

  • Melissa April 11, 2023

    I applied to Amex Platinum, but I don’t own any Marriott cards at all. The person on the phone didn’t sound very confident and gave very vague answers to my questions.

  • Melissa March 31, 2023

    So I just tried doing the reconsideration call with American Express and they first said that its because I have opened too many new cards recently (I have opened 2 cards in the last year) then they said because I have received a welcome offer before (I have never opened an Amex before). Then they said, well maybe not an Amex welcome offer but an offer from the same type of “portfolio”. When I asked what portfolio meant, they said “for example if you have a Delta Chase, since we also offer a Delta card then you wouldn’t qualify for signing bonus.” Which sounds like a load of crap to me. So I asked, which cards are part of the Amex Platinum “portfolio” and they said they don’t have a list or can’t provide that information. So I asked, “if I get a Chase or Capital One card and I get a sign in bonus with them, does this mean I don’t qualify for the Amex Plat. bonus? Which of course they couldn’t answer although it seems like that’s what was implied. Anyways, any suggestions? (I have a 760+ credit score)

    • Miles March 31, 2023

      Melissa – the only instance of this “portfolio” is specifically with the Marriott cards. There are crossover restrictions between Chase and Amex cobranded credit cards since they both offer them. Which card did you apply for specifically?

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