Reconsideration Lines

Very soon, all the banks will start howling or sighing the moment you say “This is … speaking”. But still you have to get that card! In moments like this, the reconsideration numbers from below might help. Dont worry about strategy, be polite and all that. Yes, those things are there. But it is pretty basic common sense in that you are asking some one for credit and they will give it to you only if you are polite about it. No need to bend over backwards. As a banker, I know pretty much you are set before you call the reconsideration line. All that “analyst” is doing is essentially checking if there is a way to reduce the risk in your model and get you approved. If it has to work, it will and if not, it wont. There is really no strategy or god that you could pray for this. Your risk profile and income et al among other parameters has already placed you in a quadrant. The better way would be to instead earn more. Because if you earn more, the banks would give you a lot to earn your business. But then again, you might not need to get points either.

The numbers are as follows:

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)

2. American Express Credit Card Reconsideration

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

3. Citibank Credit Card Reconsideration

  • 800-695-5171 (credit analyst) 7am – midnight ET (6am – 11pm CT) daily
  • 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

 6. Capital One

  • (800) 625-7866– Application Services Line
  • (800) 951-6951– General Customer Service
  • (800) 548-4593– General Customer Service and Application Line

7. US BANK

  • (800) 947-1444 – Credit Card Underwriting Services

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