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
    • 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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For citibank:
800-763-9795 seems to be for personal recon
However, the rep let me know that t866-541-7657 is the right number for business recon.


Not sure if it’s accurate. I called Amex reconsideration line, it seems both # now are the same as the general customer care line 8005671083. The agent does not able to do the work reconsideration agent used be able to do. They told me the have “no items to work with” and the application is pending for backend team for review. I have to wait for the letter.


All the BOA biz recon numbers are bad. This one works as of today:

8am – 7pm ET


Did Chase recently make a change to their biz status check when you call 18004539719 by requiring a reference number? Previously you just needed to enter a ssn. That way you can check after application without speaking to a rep, now it seems you have to wait for the letter to use the biz automated status check. On personal it’s still the old way. Any other reports?


Thank you for this list! Received instant decline for Citi Premier and called the number on the denial screen (1 866 441-7409). That’s just the bot telling you the reason you were denied w/o any chance to talk to the rep. I used the number here and got the reconsideration going with the real person.


capitalone wait time is 1-2 hours everyday I’ve tried



As of 7/21 none of the BOA personal recon numbers listed works. I called the number which I found on my FICO forum, 888-762-5486, and it works. William Charles Chuck


Added, thank you

Lloyd Case
Lloyd Case

After seeing that I was Pre Approved for a “First Bank Maximum Rewards Credit Card” with a $14,000 Credit Limit, I decided to go for it.
After which I received a response saying that I would hear back within 1 – 2 weeks. So I immediately started searching for a reconsideration line for this Banks Credit Card & I cant locate one.

I know it’s a smaller bank but I’m praying that someone can help me find one for them because I don’t see them pre approving me for a credit card with that large limit, just to deny me after applying. I would hate taking a Tick on my credit for nothing & want a chance to fight my case.

The company’s name of course is “First Bank” & they have offices in Missouri, Illinois, California and Kansas. If that helps any….

Any help would be greatly needed & sincerely appreciated.


Neither personal CC recon numbers work for BoA: 1-800-354-0401 – 1-866-505-7481. Somebody please update and provide a working number? Thank you!


US Bank recon hours
8-5 CST M-F

Can delete as someone else posted the same


what is the phone line for BankMobile Credit Mastercard ?