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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 which is why we created the Monkey Miles Monday Memos. This week we will explain 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.
Bank of America
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 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?
Monkey Miles has partnered with CardRatings for our coverage of credit card products. Monkey Miles and CardRatings may receive a commission from card issuers.
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