Credit Card Reconsideration Line Phone Numbers

When an
application goes to a pending state, that does not mean it’s being approved or
denied. Sometimes, if you don’t want to wait to find out, you can call the
reconsideration line and review the application together with a credit analyst
in order to receive a decision right away. 

I am tired of searching for each credit card’s reconsideration line phone number each time my credit card application goes to “pending.” If you are too, feel free to bookmark this page for your reference. Any issues with these phone number, please let me know. 

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When you apply for a credit card, it is subjected to the card’s issuer to
approve or deny your application. After you submit your credit card
application, three things can happen:

• Instant Approved
• Pending
• Denied 

If your submitted application is in “Pending” or “Denied” state, that’s when
you will need the credit card’s reconsideration line phone number. 

A pending application does not necessarily mean your application is
denied. The bank may want to verify some information, move your credits
around, etc. in order to approve you. A denied application on some
circumstances can be overturned by calling the reconsideration line as well.
You can ask for a manual second review and be ready to discuss about the
application in more details. 

Each bank has their rules on how they approve and deny a credit card
application. The obvious ones can be found
here. In general, it is important to study these rules before applying for a
credit cad; however, if you did not and your application was rejected, be sure
to view
each credit card issuer’s rule
and see if one of those rules is a possible reason as to why your application
was rejected before calling the credit card reconsideration line below.

• Personal & Business
  1-800-567-1083
• You can also view your credit card’s application status
  online. 

• 1-800-354-0401
• You can also check your credit card’s application status
  online.

• Personal: 1-866-408-4064
• Personal
  online application status. 
• Business: 1-866-408-4064 (faster service) or 1-866-710-2688 (long wait, additional verification line. You may be asked to speak to this department too). See this post. 
• Business
  online
  application status. 

Capital One does not have a dedicated reconsideration line. You will need to
wait until you receive the status of your application first then call. 

If you
must call, you can call this number
1-800-625-7866.

For application status, call 1-800-933-5182 and option #3. 

• Personal: 1-888-270-2127
• Business: 1-800-453-9719

• Personal: 800-695-5171
• Business: 800-763-9795

• 1-888-676-3695

• 1-800-947-1444
• You can also check your application status
  online (sign-in required).