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


  • 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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Ivan X
Ivan X

Possible update to Barclays: business line rang very rapidly for a few seconds (like something was wrong), went to silence, and then dropped call. Tried multiple times. So, I’m not sure it’s still active.

Personal line got a recording that said office is closed, please call back 8 AM – 8 PM Monday through Friday. So, not sure it’s still open 7 days per week.


FYI – new data on B of A biz numbers – 888-782-7717 said today they handle biz credit cards
Data here –


BOA small biz recon:
Tried all four numbers listed:
800 601 3923
none working.
Since the recon line is no longer working, I called the personal card customer service line, and got transferred a few times. and then at the biz credit card department, they told me there’s no area they can transfer me to for the credit analyze department for recon. recon needs to be in written form.

the last phone number provided to me is 888-287-4637 for the small biz credit card dept.


called the boa biz reconsideration line, 866-695-6598, the recording said they are currently closed. it’s 10am pacific time on a thursday when i called. closed or the number no longer worked?
i tried 800-481-8277, it didn’t work either.


I called Barclays reconsideration line and the rep was super sweet. Took about 5-10 minutes and approved me for a bit more than I expected. Mentioned I was only turned down originally due to having a new Barclay card from Apple 2 months ago. She saw my balance was 85% paid off already and instantly approved me. Sidebar they do close at 6p EST.


Tried chase recon Friday 930pm eastern time and said they were closed and to call back later. Guess they’re not open till 10 anymore


Just tried Chase at 830pm ET, and closed. Somebody want to try 730pm tomorrow to try it?


Applied for the AAA Member Rewards VISA Signature card since I recently joined AAA (same day). Instant denial from BofA on 9/9/20. Called the RECON line (800-354-0401) and Rep verified the denial with these reasons – too many recent accounts and no relationship with BofA. I have 2 New CCs and a PL in 2020. FICO 8 746.
I made a decision to try RECON again AFTER establishing a relationship with BofA and opened a Personal checking account on 9/11 with a $100 opening deposit. On 9/16, I deposited $15K to the account.
Verified all funds were available (NO Holds) on 9/17 and called the BofA RECON line again, hoping for an Approval with a minimum CL of $10K since it is a VISA Signature card. The Rep started the conversation with the same Denial reasons above. When she finished I told her that I had some new information and mentioned my BofA personal account with the $15K available balance. She verified what I stated and asked if I was OK with being put on hold for a few minutes. I said sure and she was gone for about a minute. When she came back on the line, she said CONGRATULATIONS you are Approved with a Credit Line of $12K. YMMV.


Thanks for sharing the experience.

I applied for BofA cash reward credit card and was decline. My credit score are all above 760.

Opened a checking account and deposit 10k in it.

Then called the number (800-354-0401), their working hours are Mon~Fri, 8 am to 5pm EST, if I remember it correctly.

Told the rep. that I had opened an account and looking forward to build a long lasting relationship with
BofA, then got put on hold for less than 2 minute and got approve with CL of 6k.


anyway to check status on boa business cards


“bank of america
You can also view a pending applications status online or by calling 877-721-9405 then pressing 3, followed by your social security number”

number no longer working to check status


Bank of America – 1-800-354-0401 worked for me. Application was held up in fraud que. Took 2 minutes for transfer while she held online and my application was promptly approved. Excellent service.


Worked for me perfect