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: 866-695-6598  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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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.


FYI, 1-866-505-7481 is no longer a working number for BOA. Just attempted to contact and the message states this number is no longer active.

I was able to get through with another number, (888) 600-4000 option 2. Long hold time though …


After being on the phone for 40 minutes, the recon lines are all down d/t helping with PPP. The number I was told to keep calling periodically was 888 782-7717 (credit analyst). I was also given 888-287-4637 (general business line) and 800-892-3219 (business CC). I hope this helps someone else avoid the frustration. 🙁


Thanks. Can confirm the same thing is true 2 months later. I tried at least 7 different numbers/transfer methods. Even internal managers are unable to call into or email the department. Ridiculous for such a large institution.


All four BoA business recon numbers are not accepting calls. Assuming it’s connected to COVID-19 (as Millennial Outrage suggested, too), but perhaps not. Will update if I find any more info!

Millennial Outrage

On 4/1 I applied for the BoA Business Cash Rewards, app went under review, tried Biz recon numbers listed above, but says they’re not accepting calls now (maybe COVID related?). Luckily, received my card and approval on 4/10.

Millennial Outrage

Likely COVID related, but Chase Business recon line says not available and to call back later when I called at 6:30pm MTN.


Just applied for a Barclays Aviator Red. TU score of around 800, no negatives or derogs. Called the Reconsideration line. The rep said I was denied because of too many (6) new accounts opened in the past 24 months. Apparently they look at new accounts opened first (I thought it would be inquiries) as a criterium for approval.

Anyone else have a similar experience? Were you able to get them to overturn the denial?


1-866-505-7481 for Bank of America is a non-working line


BOA app instant denial on 12/19 saying too many recent accounts and no relationship. Total 4 cards opened in 19. Talk to banker to help to call their customer service, CSR told us they don’t have reconsider line.
Decide to open a checking online and put 20k in late Dec. Then wrote a reconsider letter on 1/7 to PO box address from denial letter. No response still till 1/16, don’t want to wait and try 866-505-7481 but # is dead already. Tried 800-354-0401, lady said they don’t receive any reconsider letter but she can reconsider on the phone. I told her I have a checking account with 20k to show relation now, request not to hard pull. She said reconsider in 30d doesn’t need extra hard pull while banker told me is 90d which is obvious wrong. Asked me to wait without any question asked, after 30s, approved for 15k.
Please update only 800-354-0401 is working now and don’t waste your time on a reconsider letter. For no relation denial, open checking and put money will help. After money shows in new account, do call reconsider line in 30 days to avoid extra hard pull.


The 800-763-9795 number for Citibank recon directs to a lawfirm now. The number in (866-541-7657) is correct


Update to the above listing for Chase Biz reconsideration. It says “800-453-9719, open 1pm-10pm Monday to Friday.” However, today I called on Sunday morning at 10:30 am PT and got right through to both departments that were needed to complete an app.


New US Bank reconsideration times are M-F 8-5 central time.