Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Credit Card Guides
This article contains links to products or services from one or more of our advertisers or partners. We may receive a commission when you click or make a purchase using our site. Learn more about how we make money.
Reconsideration lines for a second chance at approval
Find reconsideration lines for major card providers.
Calling a reconsideration line after a credit card denial can give you another chance at approval. In this article, we’ll list a few things to do after receiving a denial, as well as reconsideration lines for a few major card providers.
What to do if you’re denied a credit card
There might be a few reasons why you were denied a credit card. Here are a few things you can do to try to correct the denial or to try to get approved the next time you apply:
-
Take a look at your adverse action notice.
If you’re denied a credit card — a type of “adverse action” from lenders — you’ll usually receive a letter from the issuer within seven to 10 business days. The letter will explain the issuer’s reason for denying your application, such as a low credit score or insufficient income. It will also give you an idea of which part of your finances you should work on. -
Get a copy of your credit report.
If your credit report is the reason for your credit card denial, you can ask for a free copy of that report within 60 days from the respective credit bureau. This is your right under the Fair Credit Reporting Act. Once you receive the report, look through it and check for red flags — including errors to dispute with the credit bureau. -
Check your credit score.
A low credit score is a common reason for a credit card denial. After your card application is denied, the issuer will send you your score, along with factors affecting it. -
Improve your finances.
You can better your odds for your next application. It’s wise to increase your credit score, which often involves lowering your credit utilization ratio and making card payments on time. You’ll also want to lower your debt-to-income ratio by increasing your income and paying off debt. -
Call the issuer’s reconsideration line.
Credit card decisions are mostly made by algorithms. That means negative marks on your credit report can automatically send your application to the “deny” pile.By calling a reconsideration line, you can talk to a human and clear discrepancies that might have sunk your chances. It may help to have a copy of your credit report or information about your income, depending on the reason you were denied.
Credit card reconsideration lines
Here are the reconsideration lines for the major credit card issuers. We’ve provided the next best number to call for those providers without a reconsideration line.
Remember to have your personal and financial information on hand, as well as your argument for why your application should be approved.
| Credit card provider | Reconsideration line |
|---|---|
| American Express | Application status: 877-399-3083 |
| Bank of America | Application status: 800-518-0479 |
| Capital One | Representative: 800-625-7866 |
| Chase | 888-270-2127 General support: 800-935-9935 |
| Citi | 800-695-5171 |
| US Bank | 800-947-1444 |
| Barclaycard | 866-408-4064 |
| Discover | 1-800-DISCOVER |
| Wells Fargo | 866-412-5956 |
Compare credit cards for bad or fair credit
If you’re having trouble getting the credit cards you want you may be applying for products outside of your credit range. Consider the following cards designed for consumers with bad or fair credit.
{"niche":"USCCF"}
Bottom line
A credit card denial can hurt, but you may have another chance at approval by calling a reconsideration line. Consider working on your credit and finances so you have better approval odds for your next application. For a tool to steadily increase your credit score, consider a secured credit card.
Frequently asked questions
More guides on Finder
-
Sound Community Bank loans review
Online business and personal loans for the Puget Sound area of Washington State.
-
OakStone Platinum Secured Mastercard® review
Build credit with this secured credit card.
-
OakStone Gold Secured Mastercard® review
Build credit with this secured credit card.
-
Do I qualify for unemployment?
Get the financial help you need as you search for a new job.
-
Community State Bank loans review
This Wisconsin bank offers special programs for agriculture business and nonprofits at seven branches.
-
How much does health insurance cost?
Most working Americans pay around $1,489 in premiums each year. Compare costs now.
-
Merrick Bank Double Your Line® Secured Visa® Credit Card review
Build your credit with this secured credit card.
-
Think twice before applying for a store credit card this holiday season
Store cards sound appealing, but aren’t often your best choice.
-
Simple Fast Loans review
With limited information available online, you may want to consider other options.
-
One Finance review
A free digital spend and save account that earns up to 3% APY and comes with an instant line of credit.
Ask an Expert