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

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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jc

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

Jason
Jason

UPDATE:

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

Chuck

Added, thank you

Bee
Bee

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!

Youngestofallthebuck
Youngestofallthebuck

US Bank recon hours
8-5 CST M-F

Can delete as someone else posted the same

PJ
PJ

what is the phone line for BankMobile Credit Mastercard ?

bob
bob

US Bank’s recon hours are now 8am-5pm CST.

Jason
Jason

For BoA, “877-721-9405 then pressing 3, followed by your social security number”, hitting 3 does not give you an option to enter your SSN. It just says to either wait 30 days or go online to check your status, but the online status thing can’t find my application, which from what I recall from a couple of years ago is a known issue with the site being unable to find biz applications.

800-481-8277 just says “we cannot take your call at this time, please visit our website.” Same for 888-663-6262.

Scorsese19
Scorsese19

1-866-505-7481 not working anymore for BOA

James
James

I think you need to change the hours for Chase
8am-10pm Monday to Friday
8am-8pm Saturday & Sunday

I called at 8:30 PM EST and the lending dept was already closed

James
James

Chases hours are from 7:00 AM to 5:00 PM PST. Please change it on the website so people don’t get confused like I did and miss out on MDD 🙁

TL
TL

@william charles, new biz recon for BofA is 1-800-442-1043