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
    • 1-866-224-8555
    • 1-866-224-7803
    • 1-800-354-0401
    • 1-866-505-7481
  • Business: 888-782-7717  should be current
    • 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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Keith Send
Keith Send

Seems like the Chase recon line isn’t open on weekends? Maybe just a COVID thing? I called on Sunday at 5:00 and they were closed. Personal card.

Dude
Dude

Anyone has the numbers and also any data points on a successful reconsideration for Union Bank Card Services (a division of MUFG Union Bank)? I’d really appreciate it. Thanks!

dizzy
dizzy

Tried calling the Barclay’s personal line at 7:00pm EST, said it was closed. Hanging out on the biz line I guess until 8p? 20 minutes so far…

dizzy
dizzy

Tried personal again, (866) 408-4064. Was answered right away. So apparently they didn’t pull my credit again since the first app for same card (JetBlue biz) in Nov 2020 was denied…reason I got on this one was “too many inquiries”. TU frozen, they pulled Exp again today as they did in 11/20. That time I had called twice and nope. IDK? 13/24. on inq now vs 10 back in Nov. Who knows. Cards opened = 5/24.

She asked a few questions about the (legit) biz- $25k, 4 years in biz; 6 years in the profession overall, industry (healthcare), expected income this coming year from the biz and also overall (both definitely increasing), also asked if I had a “day job” said I didn’t- but have part-time W2 job in the same biz and a significant side gig as musician.

Said she basically is approving me, I have all the stuff they want in an applicant, but she can’t yet bc I need more verification. Was transferred to fraud, they asked a bunch of verification questions and now I need to send in DL, Soc security card, and bill/bank statement.

dizzy
dizzy

Called again, transferred over, was approved for $1k CL on JetBlue biz. Have had AAviator biz twice before and the AAviator red. yaytime

Robert
Robert

Applied for Chase Bold, got Decision Pending, called recon line and was told she could see that it was denied. Too much velocity with Chase is what they said, with 5 new cards from them this year. An offer of moving credit from my $28k on CSR or other cards was declined. A first for me, especially given I’ve got around $300k with Chase in checking, brokerage, etc. accounts. Ticks me off considering how well Amex has treated me – no hard pulls, instant approval for Platinum with 100k/10x last week, 9 cards with them. Will be aggressively moving every dollar I can to Amex charges vs. Chase.

Rob
Rob

Chase Business line 800-453-9719 was open when I called today at 8:50am Pacific; it was closed when I called last night aroudn 6pm Pacific.

onyx68
onyx68

Just called for reconsideration on Chase Freedom Unlimited. I am 4/24 not counting store cards (Target REDcard). I was told Chase now includes store cards so denial stands.

a random name 1239198
a random name 1239198

In case this helps anyone out there another datapoint:
I live in NY, last 5/24 card applied and approved for was CSR 12/9/2018. 800+ credit score, applied for Chase Freedom Unlimited today 12/2/2020, got the “We need to review your request a little longer. We will let you know of our decision as soon as possible.” Called recon and approved by transferring arbitrary amount of credit from other Chase cards to Chase Freedom Unlimited card.

Mo Mo
Mo Mo

When I called the Barclays business recon line (866) 710-2688, I was on the phone for 2.5 hours in the afternoon before giving up. The next morning I was on for 45 minutes before speaking with someone. They told me that next time I should call (866) 408-4064 (i.e. the regular recon line) as there are more reps in that department, and wait times are always much shorter; under 5 minutes.

Jacob
Jacob

I called B of A after an approval, looking to negotiate a higher credit line. The CSR who answered was probably some hobo they pulled off the street, because she sounded really confused until I said the key phrase “credit line” and she said “Oh you want a credit line increase?” I cautiously said “yes…” and then BOOM, another hard credit pull. And denial. Because (according to the letter I received) my account was too new. No fucking shit.

Anyway, point being the BofA recon lines are now manned by the completely untrained CSRs they have doing everything else. They just wait for you to say a key phrase and then do the closest thing they can think of to it.

God I hate BofA.

Maxraxy
Maxraxy

Chase Hours are wrong. 8am -5pm