Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

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 providerReconsideration line
American ExpressApplication status: 877-399-3083
Bank of AmericaApplication status: 800-518-0479
Capital OneRepresentative: 800-625-7866
General support: 800-935-9935
US Bank800-947-1444
Wells Fargo866-412-5956

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.

1 - 3 of 10
Name Product Filter values Rewards Purchase APR Annual fee
Capital One Platinum Credit Card
26.99% variable
Pay no annual fee, be automatically considered for a higher credit line in as little as 6 months
Capital One QuicksilverOne Cash Rewards Credit Card
1.5% cash back on every purchase, every day and 5% on hotels and rental cars booked through Capital One Travel (terms apply)
26.99% variable
1.5% cash back on every purchase, every day. Plus earn 5% on hotels and rental cars booked through Capital One Travel (terms apply)
Capital One SavorOne Student Cash Rewards Credit Card
3% cash back on dining, entertainment, popular streaming services and at grocery stores, 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats, and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
16.49% to 26.49% variable
Limited Time Offer: Earn $100 when you spend $100 in the first three months with this student card.

Compare up to 4 providers

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

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site