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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.
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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What is Credit Card Reconsideration Line?
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:
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.
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.
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.
Credit Card Application Rules By Each Bank
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.
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.
American Express Reconsideration Line
-
Personal & Business
1-800-567-1083 -
You can also view your credit card’s application status
online.
Bank of America Reconsideration Line
- 1-800-354-0401
-
You can also check your credit card’s application status
online.
Barclay Reconsideration Line
- 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 Reconsideration Line
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.
wait until you receive the status of your application first then call.
For application status, call 1-800-933-5182 and option #3.
Chase Reconsideration Line
- Personal: 1-888-270-2127
- Business: 1-800-453-9719
Citi Reconsideration Line
- Personal: 800-695-5171
- Business: 800-763-9795
Discover
US Bank
- 1-800-947-1444
-
You can also check your application status
online (sign-in required).
Hi there, my name is Phly (pronounced as Fly). I am a dedicated travel enthusiast with a deep passion for miles and points. Always willing to share my expertise, I possess a wealth of knowledge on miles and points, extensively researching and staying up-to-date with the latest strategies for maximizing travel rewards through credit cards and loyalty program promotions.
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