Reconsideration Lines for Denied Credit Card Applications

Reconsideration Lines for Denied Credit Card Applications

If you’ve been denied a credit card, don’t give up just yet. Many banks offer reconsideration lines where you can plead your case. Here are the numbers to call and some tips to help you succeed:

Reconsideration Lines:

  • AmEx: New accounts: 877-399-3083 | Current accounts: 866-314-0237
  • Bank of America: 800-732-9194 (M-F, 8am-7pm ET) | Business: 888-782-7717
  • Barclays: 866-710-2688
  • Capital One: Check status: 800-903-9177 | Reconsideration: 800-625-7866
  • Chase: Check status: 888-338-2586 | Reconsideration: 888-270-2127
  • Citi: Personal: 800-695-5171 | Business: 800-763-9795 | Executive Office: 423-477-6858
  • Discover: 888-676-3695
  • US Bank: 800-947-1444
  • Wells Fargo: Consumer: 866-412-5956 | Business: 800-231-9244

Tips for Calling Reconsideration Lines:

  1. Be Prepared: Have your application details, credit report, and any supporting documents ready.
  2. Stay Calm and Polite: Be respectful and courteous to the representative. Your demeanor can make a big difference.
  3. Explain Your Case: Clearly explain why you believe your application should be reconsidered. Mention any positive changes in your financial situation.
  4. Address Concerns: If the denial was due to specific issues like a high debt-to-income ratio or recent late payments, address how you are managing or resolving these issues.
  5. Highlight Strengths: Emphasize any strong points in your credit history or financial profile, such as stable income or a history of on-time payments.
  6. Ask for Specifics: If denied again, ask for specific reasons so you can improve for future applications.


Getting denied for a credit card isn’t the end of the road. By calling the reconsideration lines and presenting a strong case, you might turn a denial into an approval. Good luck!

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