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


  • 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.


Leave a Reply


newest oldest most voted
Notify of

U.S. Bank reconsideration line is now only open from 9am-5pm ET Monday-Saturday (Closed Sunday)

Credit Card Offers

was it easy to talk to them to get things approved?

Rosa Luxemburg
Rosa Luxemburg

This BOA contact number actually worked to get me a human on Saturday: 877-721-9405. The person helped me get a credit limit increase.

Wow, IT for Bank of America customer support service is really bad. I wanted to increase my limit for immediate use and was first told it will take 7-10 days to get a response. Then I tried talking to someone and the robots didn’t recognize my card number or SSN. Couldn’t get through to a rep.

DoC comes to the rescue again! They had numbers to try! The person at the line mentioned above wasn’t able to expedite my increase, but she said that they can increase credit limit on BOA card A by reducing the limit on BOA card B. That worked, immediately. Problem solved.


Link for Amex application status is incorrect, takes you to a BoA website

Lord Dima

Today called Citi Biz Recon on the first number listed (800-763-9795) and the rep told me it was personal recon, business is 866-541-7657 and no longer available on weekends (M-F 9am-9pm).


I called the number you have listed for Chase and it was answered but some questioning the rep transferred me to the “real” (?) reconsideration line. Long waiting time and I was told the direct number was 877 882 1890 M-F 8A-8P (Eastern) and other hours on Sat and Sunday.

Ash S
Ash S

This. I called just now and was transferred to the reconsideration line. I didn’t get the exact phone number though.


Same, called 888-270-2127 due to CSP going pending, always due to my current line of credit at half my income and do not want to issue more, so looking for someone to move my current lines of credit around. Explained the situation, the lending specialist I spoke with transferred me to another lending specialist on the consumer team, they are all lending specialists now just are broken up into different teams. Consumer team ph# 877-882-1890, but told the number directly does not always work, so just call back and ask to be transferred to consumer team. Consumer team looked and moved lines of credit around and approved card.


just called Barclays and closed at 6:10 pm EDT, may need to update the hours.


The US bank reconsideration line was useless when I called today. I waited 20 minutes on hold and the agent said the application is pending and there’s nothing he can do.


New phone number for BoA personal cards: 888-230-6262, M-F 8 am – 5 pm


FYI the Chase Recon dept is no longer open till 10pm ET. I tried several times at 8pm and 9pm and got a recording saying the department is closed. May want to update the post so folks don’t count on it. (kinda hurt me as I thought I could complete a P2 MDD by calling with P2 at 5pm PT and that wasn’t possible.)

Personal: 1-888-270-2127, open:
8am-10pm Monday to Friday


Just called and verified they are open 8am – 8pm ET, Mon-Fri. Current as of 12/6/2021


Just called today, a Monday, at 4pm Pacific (7pm Eastern) and they were closed.

Alex Arreguin
Alex Arreguin

Does anyone know if banks usually have Spanish speaking reps available to help with reconsideration?