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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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 Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® is a great starter card that earns Premium Ultimate Rewards that can be transferred into over a dozen partners many of which are US based including Hyatt, Southwest, United, IHG, and Marriott.

Welcome Offer

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 

*you may find an elevated offer walking into a branch – see below

Annual Fee


Points Earned

Transferrable Chase Ultimate Rewards

  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • That’s $750 when you redeem through Chase Travel℠
    • Some people have seen Chase branches offering the following:
      • 75k Ultimate Rewards After $4k spend in 3 months + 10k Ultimate Rewards after $6k in 6 months 
  • 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, 2024
  • $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.


  • 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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