Credit Card Reconsideration Line Telephone Numbers

This page contains a list of reconsideration line phone numbers. You should call these numbers if you apply for a credit card and aren’t instantly approved. In general they will ask you a few basic questions (e.g “Why did you miss a credit card payment back in 2008?”) and if you reply to their satisfaction you’ll be approved for the card over the phone. All times on this page are in EST (Eastern Standard Time). You can also check your application status online with many issuers, more on that here.




Calling a reconsideration line for the first time can be nerve racking, so get a few tips before you call.

We keep this page regularly up to date.

Main Credit Card Issuers

American Express Credit Card Reconsideration

  • Personal & Business for new accounts: 877-399-3083
  • Personal & Business for existing account holders: 866-314-0237
  • Both open the following hours:
    • 8am-Midnight Monday to Friday
    • 10am-6:30pm Saturday
    • Closed Sundays

Bank of America Credit Card Reconsideration

  • Personal: open 8am-7pm Monday To Friday. A lot of people report having the best success using the Spanish language line (don’t worry, they also speak English) which can be found reached at 866-865-7843 Spanish number is now unfortunately dead. They seem to frequently change the reconsideration number, try one of the below:
    • 800-732-9194
    • 888-762-5486
    • 1-866-224-8555
    • 1-866-224-7803
    • 1-800-354-0401
    • 1-866-505-7481
  • Business: 888-782-7717 or 888-569-4436
    • 800-481-8277, this number will check your application status. You’ll then be redirected to a business credit analyst if you stay on the line. Alternatively try  888-663-6262. Open 8am – Midnight everyday
    • 1 800 601 3923
  • You can also view a pending applications status online or by calling 877-721-9405 then pressing 3, followed by your social security number

FIA Card Services

Bank of America is a subsidiary of FIA. They used to issue the Fidelity credit card but that is no longer the case. You can use the following numbers:

  • 866-505-7481 English speaking number
  • 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number).

Barclays Credit Card Reconsideration

Capital One Credit Card Reconsideration

Capital One doesn’t really have a reconsideration number. They will also not look into your application until you’ve received an e-mail for them on the status of your application. For your best bet we’d recommend calling the first number.

  • (800) 625-7866 – Application Services Line
  • (800) 951-6951 – General Customer Service, automated
  • (800) 548-4593 – General Customer Service and Application Line, automated
  • (800) 903-9177 – Given to me by chat agent
  • (800) 707-0489 – Senior Escalation Account Mgrs.
  • (800) 933-5182 – option 3: application status
  • (800) 889-9939

HT to flyertalk for this information.

Chase Credit Card Reconsideration

  • Personal: 1-888-270-2127, open:
    • 8am-10pm Monday to Friday
    • 8am-8pm Saturday & Sunday
  • Business: 800-453-9719, open 1pm-10pm Monday to Friday
  • J.P Morgan (for the Ritz-Carlton card): 800-527-7415

Citibank Credit Card Reconsideration

  • Personal: 800-695-5171 8am-Midnight everyday
  • Business: 800-763-9795  (866-541-7657) 7am-midnight, every day

Discover Credit Card Reconsideration

  • 888-676-3695 or 1-800-DISCOVER

U.S Bank Credit Card Reconsideration

  • 800-947-1444 or 800-685-7680
    • 8am – 8 pm Monday to Friday
    • 9 am – 6 pm Saturday
    • Closed Sunday

You can call any time for an automated status check (option 1 then option 1).

[Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]

Wells Fargo Credit Card Reconsideration

  • 1-866-412-5956, open 9am till 9pm Monday till Friday
  • 1-800-967-9521, open 8am – 7PM on Saturday
  • You can also check the status of your application by calling 1-877-514-3717

Smaller Issuers


  • 800-328-1925 (apparently it is 1935 instead of 1925)

Banco Popular

  • 844-343-1010



  • Doesn’t accept reconsideration by phone. You must send an appeal letter to overturn their decision.

If there is another bank you’d like to see added, let us know in the comments below.


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Michael C
Michael C

I got through to a human for Bank of America (BofA, boa) with 888-280-6262
the first csr did transfer me to the credit dispute department


Same! thank you. Unfortunately this is for personal only. She told me business is 888-600-4000 which is dubious, HOWEVER she connected me and an agent picked up almost immediately. This agent then was able to push me through to the business recon team.


For BoA reconsideration line, calling them, pressing 3, just tells you to look online. No option to enter social. “You can also view a pending applications status online or by calling 877-721-9405 then pressing 3, followed by your social security number”


So I spent forever (6 phone calls and 25 min) trying to do BoA consumer recon. Finally got thru to a human (is there a shortcut? If you hit zero it hangs up on you!) and got the direct line 866 866 2059. But when I called, they said it’s only done by mail now? I don’t mind writing a letter but I hate the runaround you get when calling any large company! FYI the biz recon line is still active!

Aaron M
Aaron M

True dat. None of the numbers above in this article are valid/effective any more. I have reached BofA through five numbers, and all the CSRs insist that either (1) no credit analysts work in the credit card department any more, or (2) you have to send a request by mail to a POB in Dallas. I call total BS: very 1990s.


U.S. Bank recon department hours need to be updated. I called both today and the recorded message says their hours are Monday-Friday 8-5 Central time.


was just about to post this


Data points – I tried both Bank of America and US Bank reconsideration lines after being automatically denied for their high-end cards. Bank of America made me wait for a supervisor who told me I had to wait for my denial letter and then apply in writing. US Bank said I had opened too many cards in the last 12 months and there was nothing they could do even after I asked if there was any way to be reconsidered. I’m at 8/12 with 5 of those in the last 90 days


Bank of America biz phone numbers didn’t work for me. I called business customer service and after a few transfers was given this # directly to biz underwriting: 888-569-4439


For Bank of America it might be 855-690-3359. Called for manual review of application and the rep was manually reviewing the application.


This number worked for me today. Thank you.

Churn, baby
Churn, baby

Thanks! I called the number, and it works. I still need to wait for the letter coming to my mail to see the reasons for denying before calling again.


One DP on US Bank (800-947-1444): I applied online and saw a status of pending review at the end. I then called the reconsideration line during its business hours. I was told they had two days of backlog (I was clearly told that they were actively reviewing applications submitted on Tuesday when it was Thursday), and there’s no way to expedite the review. My impression from the past is that I can easily ask for an immediate review and decision, but it doesn’t seem possible right now.

NP - Good DPs
NP - Good DPs

What is the online BoA application status page? The one in the post is dead Chuck

Lord Dima
shows personal only, not biz apps


Chase Credit Card Reconsideration
Personal: 1-888-270-2127, open:
8am-10pm Monday to Friday
8am-8pm Saturday & Sunday

I just called this number. Maybe I’m being paranoid, but it seemed off to me. In addition to the normal verification stuff, the rep wanted to send me a verification text. I’ve never had a bank ask for that during a call, so I politely declined and hung up. Possibly relevant, the rep was a woman with an Indian accent, and there was background noise like a call center.

I called the number on the back of another card, got transferred around, and ended up with the recon line. This time it was a woman with an American accent and no background.

Also, for some good news, they approved my application.