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
    • 1-888-230-6262
  • 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

Alliant

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

Banco Popular

  • 844-343-1010

FNBO

Santander

  • 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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346 Comments
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Raymond
Raymond (@guest_1933435)
October 16, 2024 20:02

Tried calling citi for recon and they said me to call back once I got the letter. Applied for Citi strata premier

Ray
Ray (@guest_1941757)
October 31, 2024 12:21

Similar for me, got declined the very next day, recon just says they won’t reconsider for “this type of decline” and to wait for letter before reapplying. Any luck with your recon after receiving the letter?

ian
ian (@guest_1933216)
October 16, 2024 11:49

Wells Fargo Business is 833-728-1691

as of today

YoLaViajera
YoLaViajera (@guest_1927266)
October 7, 2024 11:59

The reps at the Chase recon (personal cards) call center (India) aren’t of much help. They can see my application but can’t/won’t provide any info on it. I called several times, at different times of day. They just tell me my app is “under review”. So…. there’s no way to expedite approval, no way to know if you’re going to get rejected, and possibly no way to change a rejection (not sure on this last one). They’re tight-lipped. So it’s a waste of time to call Chase recon. Is it me, or has Chase become even tighter in its approvals as of the past 6 months?

D
D (@guest_1909037)
September 10, 2024 18:55

FYI US Bank is now 9-5 CST during the week.

ian m
ian m (@guest_1895890)
August 19, 2024 21:15

The hours listed for BOA and Chase Business are not correct, not sure what chase is but BOA is 7pm. I just tried calling both at 9PM EST with no luck on either, Just a DP.

Jim
Jim (@guest_1904789)
September 3, 2024 21:19

Right, I just called Chase recon and was already closed at 5pm PST/8pm EST

Several Redditors reporting the same

Dislocate0284
Dislocate0284 (@guest_1895636)
August 19, 2024 14:37

Got instant denial for Citi Strata Premier card. Called 800-695-5171 a few days later (hadn’t received denial mail yet), someone picked up immediately and asked for my social security number, which was very suspicious. However, it seems this is the actual Citi number according to others. Said I wanted to do a reconsideration and was put on hold. The representative had to call back my number as a verification procedure. Was then approved for Strata.

Was a very surprising experience, given the bad reputation Citi has for customer service and issues with cards.

sosi_huy
sosi_huy (@guest_1883152)
July 27, 2024 06:43

Barclays personal reconsideration number only works Mon-Friday. Please, update the page

Dave
Dave (@guest_1866099)
June 28, 2024 15:53

For Chase, IIRC the phone tree used to give you the explicit option to connect to a human for reconsideration. It doesn’t seem to do that any longer on any of the listed numbers, but after hearing the status at least, you can still press 0 to connect.

mark
mark (@guest_1859522)
June 13, 2024 19:29

Barclays card. CS are incompetent and the left hand doesn’t know what the right is doing. Very antiquated and stodgy system for approval. I have stellar credit, but gave up after 4 calls to get approval.

Flynn
Flynn (@guest_1858192)
June 10, 2024 18:37

BoA Biz Recon: 888-569-4439 (similar to an old number, but last digit is different)

If that number goes away, I always have luck calling Sales to get a human on the phone who can give you the latest number for underwriting: 866.543.2808

Floating Heads
Floating Heads (@guest_1860680)
June 17, 2024 11:20

This number worked for me as well. Went straight to a human. No luck on reconsideration, unfortunately. Alaska Business, 4/24 with most recent personal cards in August and November. Pulled Transunion with 7 inquiries in last 24 months. Cited too many recently opened accounts on personal credit and not enough time elapsed since my most recent credit account, which in fairness was in April for another BoA biz card.