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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.
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:
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.
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 |
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.
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.
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