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.


Notify of

oldest most voted

Enrico (@guest_1836342)
April 26, 2024 13:16

Bank of America
888-762-5486 no longer working
800-732-9194 is normal customer service number, not sure what teh magic combination is to get through to someone
866-866-2059 I was able to reach someone but they are not able to connect to the lending/decision making department

Mangomochi (@guest_1813134)
March 13, 2024 15:09

After calling BOA using 10+ different number for business cc recon, I give up… 2 reps transferred me to another line that hang up instantly.

Flynn (@guest_1802176)
February 23, 2024 15:03

Was able to successfully recon a BoA PR Elite app after closing some unused biz cards and moving $5k from an old BoA PR card. Used 877-261-3664 for recon and provided application # when a *person* answered – no IVR hell!

KMan (@guest_1815813)
March 18, 2024 11:12

Can confirm, used this number 877-261-3664. Just reconned, that they did not submit the app until I had confirmed all my info in the application.

TJ (@guest_1827810)
April 8, 2024 13:16

KMan What reason did they give you for rejecting initially? The letter I got says “You have, or recently have had, a sufficient number of accounts with us and/or our affiliates”.

KMan (@guest_1827852)
April 8, 2024 14:17

Actually, they didn’t even denied me first. They wanted to verify it was me who applied

TJ (@guest_1827813)
April 8, 2024 13:17

Flynn What reason did they give you for declining initially? The letter I got says “You have, or recently have had, a sufficient number of accounts with us and/or our affiliates”. It sounds like moving some lines around won’t matter. I have 4 personal cards.

Flynn (@guest_1827858)
April 8, 2024 14:32

TJ don’t have the letter anymore, but I think was a similar reason. In prior recon call, agent made it sound like BoA was at their limit for extending any additional credit, so I closed some old cards and brought down total credit by $30k or so, then successfully reconned.

TJ (@guest_1827859)
April 8, 2024 14:35

Oh, interesting.I don’t really want to close any of my BofA cards, but I’d be willing to shift some limits around. The person I talked to today said it auto declined again, but she sent it for review and she’ll call me back in 1 to 2 days.

Billy Bob
Billy Bob (@guest_1781190)
January 19, 2024 10:23

Bank of America’s phone tree is intentionally designed to frustrate customers. It’s now 10 minutes and I am still trying to get into the queue on hold. At one point, it was ‘click 2 to remain on hold’ and immediately after it was ‘click 3 to remain on hold’.

Definitely I will squeeze this bank for every bonus out there, and then dump the product as soon as feasibly possible.

Josh (@guest_1794277)
February 7, 2024 10:24

BoA is hell

AC (@guest_1780632)
January 18, 2024 15:32

Called 800-453-9719 to discuss Chase business reconsideration, they mentioned that this was their consumer line and they had to redirect me to the business line (didn’t get a chance to get the number).

Josh (@guest_1794278)
February 7, 2024 10:24

same – and they definitely don’t work until 10pm ET anymore

Rahul (@guest_1821645)
March 28, 2024 16:24

I called 800-453-9719 and the agent (definitely from India) was able to pull up my CIU app, but could not proceed further. The application was “still under review” and no information was requested. He couldn’t do anything to move the application ahead. So annoying. He gave me the standard line of “it can take 1-2 weeks, but I can call back in a couple days to see if there is any change in the status.”

Edit: The automated prompt says “app is being processed, that’s all we have for you. You can hang up now, or press 1 to repeat” or something. I pressed 0 to talk to an agent, but that’s not one of the menu options they advertise. Sneaky Chase.

Josh (@guest_1823457)
March 31, 2024 17:08

I did have to call back again (like total of 2-3 times) and eventually someone apologized and said they would try to push that other department for a decision. I think that dept only work certain hours though so try calling during middle of day for best chance.

_here_ (@guest_1772081)
January 6, 2024 10:47

US Bank recon hours are 8am-5pm CST M-F.

G (@guest_1772122)
January 6, 2024 12:32

I should’ve checked the comments first. Just applied and found this out too.

Asia (@guest_1766610)
December 28, 2023 16:31

Curious if anyone knows if USAA has a recon/backdoor line?

Asia (@guest_1767157)
December 29, 2023 16:03

Sorry for the double comment, thought my last comment got deleted.

Asia (@guest_1766594)
December 28, 2023 16:03

Does USAA have a recon line? Haven’t had a chance to call yet, but was told by a chat rep that they do not do recons at all (by chat or by phone). I know sometimes chat can be unreliable and was curious if anyone has had experience with this?

Jay (@guest_1762892)
December 21, 2023 16:38

For BoA my letter for following up on an initial decline tells me to call 888-230-6262, but it is fraud department, so probably not general recon department for anyone The dumb thing is I had to wait for the letter which had no info other than to call. But I guess they are verifying control of the address.

NK3 (@guest_1760854)
December 18, 2023 20:33

For Chase, I could not get (888) 270-2127 to work. It kept asking for my SSN, then said my application was being reviewed (even though it was already denied). There was no option to talk to a human (called multiple times on different days).

I googled and saw someone reference (888) 338-2586. I heard similar prompts, but it eventually asked if I wanted to talk to a representative. That person then transferred me to someone else, who then asked if I wanted to speak with a reconsideration specialist. The third person was able to approve me.

AC (@guest_1767851)
December 31, 2023 02:07

That works! Be sure to press the credit card status option and wait for the prompt to press “0” to speak to an agent.