Credit Card Denied? Call These Reconsideration Phone Numbers
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Hilary Stockton
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Denied for a credit card application after applying for some of the best travel credit cards? Don't fret yet. Here are a few tips to help you prepare for a reconsideration phone call, with credit card reconsideration phone numbers for Chase, American Express, Citibank, Bank of America and Barclays listed below.

1. Don't procrastinate: if you wait a month or longer, you'll need to apply again, resulting in another hard credit pull, so make sure to call the credit card reconsideration number less than a month after applying. I recommend calling right after you apply.

2. Know your credit score and history: See our post Understand How Your Credit Score Works to Maximize Credit Card Rewards, where we explain how to get your credit score and reports. Have a copy of your report from at least one, if not all three, of the credit card reporting bureaus (Equifax, Transunion and Experian) and have them handy so you can reference your recent credit activity and inquiries. One of the most common reasons for a denial is "too many recent inquiries" so you definitely want to make sure you know what your reports say and that it matches your actual activity.

3. Know your history with the bank: Make sure you know all the cards you currently have open with the bank whose reconsideration line you are calling, when you opened them, and any issues (hopefully no late payments or balances) with any of them.

4. Avoid closing any existing credit cards with that bank before the call: As you'll see in 6., you want the flexibility to move credit from one of the cards you may not use much to the card you want to get approved for. So make sure you don't close any credit cards from that bank before the call. 

5. Have good reasons for applying for the new card: "I really like the current bonus mile/point offer" is NOT a good reason. Some good reasons could be:

  • The no foreign transaction fee is important to me, as I do a lot of international traveling, and/or buy things from foreign-based companies that would otherwise incur foreign transaction fees
  • The EMV Chip is important to me, since I travel internationally and have run into situations where my magnetic stripe card doesn't work (Hyatt Visa)
  • The 2x points for dining is such a great benefit, since I dine out a lot / entertain clients often (Chase Sapphire Preferred)
  • I travel frequently and the 3x points for airline spend is a great fit for my needs (AMEX Premier Rewards Gold)
  • I'm planning a number of trips with [Airline X] because [I've moved and Airline X offers more nonstop flights from here / I've decided I prefer Airline X for __________]
  • My spouse/friend has this card and highly recommended it to me

 

6. Volunteer to reduce credit on another card: It's usually harder to get approved for additional credit than moving credit from an existing card you have with the bank to the card you want to get approved for. So you can say something like "I was wondering if you might be able to approve me for this card, by moving some of the credit from Credit Card X."

7. Be polite: Regardless of the outcome, never lose your call and remain positive and polite. If the representative still denies you, thank them for their help and end the call. You can always call back a few days later and see if a different representative will approve you, but you certainly don't want any negative notes made about you.

8. Be patient: Even after getting approved, it can still take some time for the approval to show up online (allow 1 week) and could take up to 2 weeks to get the actual card. If you need the card sooner to make some large purchases, ask nicely if they would be willing to expedite the card to you.

 

1. Chase Credit Card Reconsideration

  • 888-245-0625 (personal credit analyst, 7am-10pm EST M-F; 8am-10pm EST Sat. and 9am-9pm Sun.)
  • 800-453-9719 (business credit analyst, 8am-10pm EST M-F)

Also see: 

Ink Bold Signup Tips

Ink Bold and Ink Plus Minimum Spend to Increase, Time to Apply

How Many Chase Cards Can You Have?

 

2. American Express Credit Card Reconsideration

  • 877-399-3083 (new accounts) 8am-midnight EST M-F, 10am-6:30pm Saturday

Also see:

75,000 Bonus Points for AMEX Premier Rewards Gold Card

How to Get Targeted for 100,000 Credit Card Bonus Offers

 

3. Citibank Credit Card Reconsideration

  • 800-695-5171 (credit analyst) "Normal business hours" (assumed to be 9am-5pm M-F)
  • 800-763-9795 (personal and business card application status) 7am-midnight EST 7 days a week; can transfer you to a credit analyst
  • Note that if you are denied, you'll need to write snail mail to CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117 for reconsideration.

 

4. Bank of America / Bank of Hawaii Credit Card Reconsideration

  • 866-865-7839 (personal credit analyst, 8am-9pm EST M-F) 
  • 800-481-8277 (business credit card application status; will transfer you to a business credit analyst)
  • 877-721-9405 (application status; press 3 then enter your SSN)
  • Bank of America Online Application Status Check to check the status of a credit card application

 

5. Barclays Credit Card Reconsideration

 
Related Posts

Earn 1 Million Miles and Points in a Year Without Flying
 
Which Credit Cards to Keep, Trade and Apply For
 
When to Cancel or Close a Credit Card
 
Downgrade Your Credit Card to a No Fee Card?
 
 

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Comments
User_avatar_default John C. commented 06 Mar 2012
Great advice, especially about not closing an existing credit card before calling the reconsideration phone number. In my case, the bank insisted that I close an existing account before they approved my new card.
Avatar_60_hilary Hilary Stockton commented 06 Mar 2012
Thanks John, glad you found it helpful. Sometimes the bank does insist, but if they don't, and it's a no fee card I've had for awhile, I try to keep it open even after moving some of the credit line over since it helps maintain a longer average age of accounts which is a positive metric.
Picture?type=large Robert S. commented 16 Jul 2013
Great info Hilary, thanks so much! I completed my AOR today and called on each card that I wasn't instantly approved for. Used your tips and all calls were successful. It's very important to know the features of the card you applied for (I made notes before my calls). My first Barclays app was approved instantly online, but I had to call in after my second app. Rep asked why I was applying for two in the same day and why I wanted the ArrivalWorld MC. I didn't mention the sign up bonuses at all, but rather keyed in on the no FT fees, 10% redemption bonus, and all around good card for my upcoming uptick in work and personal travel ;-) As a point of reference, the rep started off the call with further questions for me (Annual Income, length of employment, job description, etc.) I was confident and very polite, using the reps name and was very clear why I wanted both cards. I felt like it was a song and dance, or sales pitch! Also called Chase to get approval on my two apps, but I'll post those notes in the "how many chase cards..." thread. Thanks again Hilary, great stuff! (and I used your links for all my apps today, hope that helps you!)
User_avatar_default TrAAveller D. commented 11 Oct 2013
The BOA numbers no longer apply for personal reconsiderations. The numbers have been disabled (866-458-8805 or 888-503-6090 (personal credit analyst))
Avatar_60_hilary Hilary Stockton commented 11 Oct 2013

Thanks for letting me know; I've updated the Bank of America personal credit card reconsideration number above, which is operational 8am-8pm ET weekdays. Hope your reconsideration call goes well!

User_avatar_default Mordechai I. commented 03 Nov 2013
What about Discover recon numbers ????????
User_avatar_default Elliot W. commented 26 Feb 2014
800-545-7899 is no longer reconsideration for Bank of America, it just gets you someone who can tell you the status. 866-865-7839 worked for me to get a credit analyst who could reconsider on the line.
Avatar_60_hilary Hilary Stockton commented 26 Feb 2014
Thanks Elliot for sharing your experience; updated the post to keep only the 866-865-7839 number for Bank of America personal credit cards reconsideration.
User_avatar_default Sam S. commented 26 Feb 2014
chase reconsideration lines are open 8am to 10pm only.
Avatar_60_hilary Hilary Stockton commented 26 Feb 2014
Thanks Sam--Chase reconsideration credit analyst hours have changed since this article was first posted, I've updated it.
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