Credit Card Reconsideration Line Telephone Numbers

This page contains a list of reconsideration line phone numbers. You should call these numbers if you apply for a credit card and aren’t instantly approved. In general they will ask you a few basic questions (e.g “Why did you miss a credit card payment back in 2008?”) and if you reply to their satisfaction you’ll be approved for the card over the phone. All times on this page are in EST (Eastern Standard Time).

Calling a reconsideration line for the first time can be nerve racking, so get a few tips before you call.

We keep this page regularly up to date.

Main Credit Card Issuers

American Express Credit Card Reconsideration

  • Personal & Business for new accounts: 877-399-3083
  • Personal & Business for existing account holders: 866-314-0237
  • Both open the following hours:
    • 8am-Midnight Monday to Friday
    • 10am-6:30pm Saturday
    • Closed Sundays

Bank of America Credit Card Reconsideration

  • Personal: open 8am-7pm Monday To Friday. A lot of people report having the best success using the Spanish language line (don’t worry, they also speak English) which can be found reached at 866-865-7843 Spanish number is now unfortunately dead. They seem to frequently change the reconsideration number, try one of the below
    • 1-866-224-8555
    • 1-866-224-7803
    • 1-800-354-0401
    • 1-866-505-7481
  • Business: 866-695-6598  should be current
    • 800-481-8277, this number will check your application status. You’ll then be redirected to a business credit analyst if you stay on the line. Alternatively try  888-663-6262. Open 8am – Midnight everyday
    • 1 800 601 3923
  • You can also view a pending applications status online or by calling 877-721-9405 then pressing 3, followed by your social security number

FIA Card Services

Bank of America is a subsidiary of FIA. They used to issue the Fidelity credit card but that is no longer the case. You can use the following numbers:

  • 866-505-7481 English speaking number
  • 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number).

Barclays Credit Card Reconsideration

Capital One Credit Card Reconsideration

Capital One doesn’t really have a reconsideration number. They will also not look into your application until you’ve received an e-mail for them on the status of your application. For your best bet we’d recommend calling the first number.

  • (800) 625-7866 – Application Services Line
  • (800) 951-6951 – General Customer Service, automated
  • (800) 548-4593 – General Customer Service and Application Line, automated
  • (800) 903-9177 – Given to me by chat agent
  • (800) 707-0489 – Senior Escalation Account Mgrs.
  • (800) 933-5182 – option 3: application status
  • (800) 889-9939

HT to flyertalk for this information.

Chase Credit Card Reconsideration

  • Personal: 1-888-270-2127, open:
    • 8am-10pm Monday to Friday
    • 8am-8pm Saturday & Sunday
  • Business: 800-453-9719, open 1pm-10pm Monday to Friday
  • J.P Morgan (for the Ritz-Carlton card): 800-527-7415

Citibank Credit Card Reconsideration

  • To be approved for a reconsideration request, you must send in a postal letter to the following address:

CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117

You should include all of the relevant information that you’d usually reveal in a phone conversation. See our tips page for things to include.

You can also try these numbers but it’s unlikely you’ll have any success:

  • Personal: 800-695-5171 8am-Midnight everyday
  • Business: 800-763-9795 7am-midnight, every day

Discover Credit Card Reconsideration

  • 888-676-3695 or 1-800-DISCOVER

U.S Bank Credit Card Reconsideration

  • 800-947-1444 or 800-685-7680
    • 8am – 8 pm Monday to Friday
    • 9 am – 6 pm Saturday
    • Closed Sunday

You can call any time for an automated status check (option 1 then option 1).

[Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]

Wells Fargo Credit Card Reconsideration

  • 1-866-412-5956, open 9am till 9pm Monday till Friday
  • 1-800-967-9521, open 8am – 7PM on Saturday
  • You can also check the status of your application by calling 1-877-514-3717

Smaller Issuers


  • 800-328-1925 (apparently it is 1935 instead of 1925)

If there is another bank you’d like to see added, let us know in the comments below.

101 Responses to Credit Card Reconsideration Line Telephone Numbers

  1. ewwiccc says:

    Just tried the BofA recon line and am getting a dead phone number 😐 haven’t been able to find the new one yet

  2. Fiby says:

    Just used the FIA Spanish line when I got the 7-10 day message for the Fidelity Amex. They just did an ID check, and approved me!

    Thanks Doc. This sure beats waiting for a response by mail.

  3. ENOTTY says:

    Just called the Barclays Bank number. Their hours are 8-5pm EST.

  4. R. says:

    Any idea about BBVA?

  5. mommafrica says:

    Thanks for this entire page! A major help.

  6. martin says:

    looking for a mailing address for chase rep gave me one but I misplaced it

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  8. cmason says:

    Working BOA Number:866-458-8805

    No luck with ReCon for me, unfortunately.

  9. The BOA number you have does work to get a person, but then they have to transfer you to card acquisition department. When I asked, they gave me this direct number: 888-221-6262.
    Haven’t tried it yet.

  10. G says:

    The direct number to BoA business recon is 866-695-6598. The 888 number you listed seems to be a general CS number and not recon.

  11. Nick J says:

    Both FIA lines said they were disconnected when I called.

  12. Mark Zhang says:

    The FIA number got me to a recorded message: “You have reached a non-working number at card services. Goodbye!”

  13. Joel says:

    Does anyone have a reconsideration or equivalent credit-department number for a Juniper Barclay’s *Business* credit card (Mastercard)? They point all roads to a single 800 number where none of the reps are empowered to do anything with APR other than tell you the credit department needs to handle it, and when they put you on hold after attempting to raise the credit department, they come back and tell you the credit department said they “don’t handle that” and won’t even take the call transfer. Have had 2 front-line reps and 1 supervisor come back with the same thing, prompting the last rep and the supervisor to separately try to personally attempt to escalate “to corporate” with no guarantee of so much as a return phone call (there hasn’t been one). Dead in the water. Would love another door to knock on.

  14. Ted says:

    Apparently 1-877-514-3717 is the reconsideration number for a wells fargo propel card. Not really sure why its different.

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  18. Jeff says:

    Recon number supplied goes to IVR menu covering multiple options not just recon.

    Applied for Blue Cash Everyday® Card from American Express.
    My FICO8 720+ could have dropped recently due to other successful applications.

    Amex Recon seems a bit of a joke. My online app was rejected instantly. No indication of any pulls from any of the CC monitor services that I use (a week later).
    Amex Recon ordered a Hard Pull and would review. Amex Recon refused offer of any additional info. Agent was not able to comment any additional details since he sent the review thru before I could ask much of anything.
    Follow-up to be in a week or so.

  19. Jeff says:

    Chase AARP instantly approved on line with a low CL.
    Multiple HPs despite I have two Chase cards for a few years.
    Recon on line for CL increase rejected.
    Chase did a HP a week later (few days AFTER CL increase rejection … Reason unknown except I had immediately used the card for about 55% of CL for legitimate bills enough to meet required spend.

  20. Brian Paris says:

    BofA direct recon line for personal as of 5/13/16 is 888-266-5111. Open M-F 8a-7p Eastern time. It goes directly to a live credit analyst.

  21. Jason says:

    Please update BofA line to 888-266-5111, other doesn’t work.

  22. David says:

    Every time I called amex recon, they said they are going to send the application to some special team to evaluation, and this team do not answer phone calls. And in the end I got rejected every time. Is there any way to speak to the person who can make the decision?

  23. I never got to a person at Amex just a computerized phone system with the following message “we apologize the computer used to get you to a customer service rep is unavailable now”. I was calling about the freeze on my equi bureau, but never got thru. I tried several days in a row, either their system is down or I have number that is not working for anyone, or it just isn’t working for me. We’re guessing that unless they ask you to call, they want you to wait for the denial letter to come in the mail.
    Amex not so nice

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  25. Sean says:

    BOA recon hours are now 8am-7pm Eastern time.

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  27. Corbett Kroehler says:

    Wells Fargo also offers Saturday hours (8AM – 7PM CT) with the option of reconsideration at a different number: 800-967-9521

  28. thedandeliongirl says:

    For BofA, I called one of the numbers in one of the earlier comments (866-811-4108) since the numbers in your post didn’t work for me. The rep gave me this number: 866-505-7481 and I was able to successfully recon a personal BofA card 🙂

  29. NewYork12126 says:

    FYI, the number you’ve listed for BOA doesn’t work anymore. I used this number found on the FT alaska wiki, which took me right to a credit analyst. 1-800-354-0401.

    Just a note, all other persons said that “there was no way” to talk to an analyst and I just had to wait for the letter in the mail. So if you hear that you’re calling the wrong number.

      • Nina says:

        Just called – 866-505-7481 after receiving the ‘we cannot make a decision” message last night,
        Immediately spoke to an analyst who verified my identity and then told me I was approved for Alaska Air Visa for $1900. Had to verify some other info with another person. Took less than 3 minutes. Thanks for having this info.

  30. Schmekel says:

    DoC – Can you include a Reconsideration number for Santander?

    Thank you.

  31. Schmekel says:

    “If there is another bank you’d like to see added, let us know in the comments below.”

    I misunderstood. I thought the above meant you had a way to find the # and include it.

    No, I don’t have a # for that unfortunately.

  32. Ferris says:

    I got a new direct number for Bank of America’s Business Credit Card Analyst Dept from calling today: 1 800 601 3923

    • MJG says:

      Just got told this by CSR in other dept as well. The numbers in the post no longer work and just give automated messages. Even the other departments seemed confused about what the right number is.

    • Nancy says:

      Thank you! This is really helpful. I used this number to get my BoA Alaska Business card reconsidered.

  33. Jeremy says:

    Just so you know, this page says it was last updated in 2014.

  34. Ferris says:

    Here’s BofA’s biz card fraud department number in case anyone needs it, 800 871 1194

  35. Charles says:

    Hmmm 800-871-1194 is not listed on any of the Bank of America internal numbers.

    I would suggest contacting Bank of America from their website and working through the customer service department.

  36. Derek says:

    When you recon boa what was your credit score? Does anyone have any tips?

  37. Dima says:

    First Bankcard (First National Bank of Omaha) personal and business application status check page:

  38. DJ says:

    Today I was given this number by BoA for talking to a human about a credit card application: 1-866-295-5137

  39. steve says:

    bank of america – 800 601 3923 is for small business. not for personal cards.

  40. Brenton says:

    Called the top number on BoA, reached small business lending. She gave me the following number


  41. Heather says:

    Man, BoA really changes their number a lot. Used the 800-601-3923 and got the small business line, he gave me 866-224-8555.

  42. Rhea says:

    Hello Sir,

    I have called the 1 800 453 9719 number twice but both times they say application is Pending and it is being processed by another department.

    Is there any other number to call for the chase southwest business card for which i have applied 3 days ago?

  43. Rhea says:

    Should i call again or just wait for their 30 day wait that they are asking for?

    Other websites like travelboss and pointsguy are strong recommending not to call business line reconsideration as it hampers business card applications.

    Your thoughts/experience in this matter regarding chase business cards applications?

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  45. DWhite says:

    Calling reconsideration for Barclay’s was well worth the seven minutes on the phone after I had an app go to pending.

    The number cited above continues to be working and there’s still no phone tree. An analyst picked up almost immediately, politely asked a few questions to confirm ID, asked a few more questions about the application and then placed me on hold while reviewing everything. After the brief hold, she cheerfully returned with an approval.

    The advice elsewhere on the internet to call within a day does seem to be correct, assuming that you expect to be approved anyway (good credit profile, no charge-offs, no late payments with Barclay’s, etc).

  46. Aaron says:

    DP US Bank, in TX pulled Exp for Flexperks Gold. Will NOT pull another bureau or accept a pin. Only accepts complete unfreeze of Experian.

  47. C-Toasty says:

    Alliant number listed is incorrect (goes to another business)

    correct number should be

  48. Michelle says:

    FYI: The Bank of America business card numbers 800-481-8277 and 888-663-6262 no longer work for checking account status. When you press 3 (the option for pending applications), they state: We regret that we cannot respond to individual application requests…Thank you for calling. Goodbye.”


  49. Carlos says:

    Spanish recon for BOA is back up

  50. Sparky says:

    BoA- Accidentally called the business number instead of the personal number and they transferred me the personal recon number- 866-224-8555. This person then brought another specialist on the phone and were able to approve the card. I called about 2 hours after applying on the phone for the Merrill + card.

  51. TomTX says:

    The main Wells Fargo line is now open until 9PM M-F, not 5PM.

  52. Jake N says:

    Confirmed the # Sparky mentioned above is working for Bank of America personal recon


    Also the # listed above – 1 800 601 3923 – brought me to small business loans / cards.

  53. Beth Gassen says:

    I need the phone number for Synchrony Bankgma

  54. The Man says:

    Updated BOA Business Recon #: 877-764-2310 (direct)

  55. James L says:

    Unfortunately the option 3 application status check -> human credit analyst is dead, as are 800-601-3923 and 800-481-8277.

    One working and current BOA Business Recon method: call 888-663-6262, option 1 (apply for a new small business credit card), and ask the application specialist to be transferred to a credit analyst. Have your application’s reference number or SSN ready. I applied for 3 business cards in one day.

    My call went as follows: “It looks like you were approved for a few accounts, and we can take a look at your application, but I do want to go over some additional information about your business. So to start off could you tell me a little about your business, what exactly it is that you do?” [answer]

    “Is it just you in this business? Any employees?”

    “Your application shows income for 2016 is x is that correct? what was your net profit?”

    “You showed your personal income was y, where does that come from?”
    [My combined income from my business and my employment.]

    “I show that you recently applied for 2 other cards, what was the need for all 3 cards?”
    [I like to keep my spending separated by category.]

    “What would this card be used for?”
    [General office supplies.]

    “Okay, well I do show that you were just approved for a card with a limit of 4500, we can move 2000 over to this card and get you all set up. Should be there in 7-10 business days.”

  56. Dave says:

    Alliant phone number is wrong. Should be 800-328-1935 instead of 800-328-1925.

  57. Matt K. says:

    Just applied for Hawaiian Business card. Called the personal number since couldn’t find one for the biz. They referred me to There you can plug in info for status update. But didn’t get anywhere for a number to call.

  58. Dillon Welch says:

    Bank of America business recon line 800 601 3923 is dead and 888-663-6262 just goes to a message saying you’ll receive a letter in writing.

  59. Dillon Welch says:


    All of these BofA recon lines are dead

  60. David R. says:

    I just tried all four of the listed Bank of America reconsideration numbers.

    These three worked:


    And this one was dead:


  61. KPWes* says:

    Don’t waste your time with discover, she said to re-apply!!! I flat out asked her to reconsider my application and explained my situation….. nope re-apply was her soltion— OH Yes I will do that and get another rejection and hard inquiry. Really I have one hospital bill that should of been paid by the insurance company and just found it two years later appear. Its not my bill, they are treating it as if its a credit card that I’m late with making payments on????? The lady was clueless and useless. Warning Discover will not reconsider.

  62. JB says:

    FYI that both the English language (866-224-8555) and Spanish language (866-865-7843) reconsideration lines are working.

    However, the BoA credit card crackdown seems to be even worse than has been reported. For the second time BoA has refused to give me a third credit card (MLB Mastercard), saying I have enough credit cards with them at this time (I currently have Travel Rewards and Cash Rewards). This is quite a drastic change from the company that used to approve a dozen cards at once for some customers.

  63. Nopers says:

    Tip for the Bank of America reconsideration line, at least from my experience:

    ***You have to say that you want them to “reconsider” the application VERBATIM or they will not acknowledge that that is a possibility.***

    When I called to discuss my application that was denied, I had a whole conversation about moving my credit line around, the assets I had with BofA and elsewhere, and how to get the application considered in a different light. The rep kept saying he couldn’t do anything for an application that had already been declined. Somehow none of that led the representative to register this as a reconsideration call until I got frustrated and asked, “So, credit card applications are literally never reconsidered?” at which point he said, “Oh, you want me to reconsider the application?”

    So, you have to play their game and say “I would like my application reconsidered.” word for word or they might play dumb and pretend reconsideration isn’t a thing.

  64. Liz says:

    The second BoA number is dead (1-866-224-7803). When I called the first one, I was told they would have to get a specialist on the line, and it kicked me to the regular application line, where they told me that there is no way to get reconsideration by phone–I would have to request it by mail. The third number did work, however.

  65. Flyfree says:

    Barclay’s link is dead now….

  66. FullMoon says:

    Can also confirm this number no longer works for BofA.

  67. Trevor says:

    New Bank of America business recon number is apparently: 1-888-569-4428

    However it seems to be going directly to a machine (at 3pm EST on a Thursday). They promise 24 hour callback, we’ll see…

  68. whiskea says:

    This one still works for BoA: 1-800-354-0401

  69. David says:

    Ditto to whiskea on BOA Recon… the first 2 #’s listed don’t work. The 3rd one 1-800-354-0401 is a direct line to a credit analyst for Reconsideration.

  70. Jon says:

    As mentioned above, 1-800-354-0401 worked for BofA as a direct line practically, no wait time. Apparently, my premium app was referred to fraud because one of my questions was inconsistent with previous applications. Thanks for all the helpful info!

  71. MM Dallas says:

    DP: Called Chase Reconsideration Line today for a denied Southwest Premier Credit Card Application. Reason: Too many cards open in last 2 years. Below are my cards:
    1. Citi: 1 yr 2 months
    2. Chase: 1 yr 7 months
    3. American: 1 Yr 11 Months
    4. DCU 1 year 7 months (Closed)
    5. Chase 1 year 2 months (Addon from my Wife’s account, but had closed it few months back. (Didn’t know at that time that closed cards are also counted against 5/24)

    I told this 5th card is an Add-on on my wife’s account. he asked do you and your wife pay bills together. I said Yes (This was the mistake). He later said that as you have a shared responsibility of paying the credit card bill on that card, it will be counted against your open credit card. Hence you have 5 open cards in last 2 years. Hence denied.

    Learning from here. For Add-On Cards, never say you share the responsibility of Paying the bill. Always say that the primary card holder is solely responsible for the bills.

  72. joanne luu says:

    Please add me to your email list. Thank you.

  73. Dillon Welch says:


    Neither of this numbers for BofA work anymore as of 10/6

  74. Romulo D says:

    Confirmed: 1-800-354-0401 is working and connected me with an analyst within 45 seconds of beginning the call. Not sure if this would be a DP for you, DOC, but I contacted this department in order to request a CLI on a Cash Rewards card that I was approved for in September. Due to incorrect reporting from a Citi/Home Depot account I had back in 2013, my FICO 8 score was 656 at the time of application and I was only approved for a 3k limit.

    When I found out why my score was low (I have US Bank and Navy Fed 20k+ lines with AAOA @ 9 years and 3 inquiries.), I disputed the Citi/Home Depot accounts and literally – within 10 days of that dispute, the account disappeared in its entirety from all 3 bureaus and CK Vantage shot up to 804/808, CCT FICO 8 says 754 EX, 768 EQ and 794 TU. Wells Fargo shows my FICO 9 score at 808.

    I went ahead and called this backdoor number to request a CLI since there was a significant change in my credit score and also because I have been using the card frequently and I have made several large payments amounting to 3-4k since the credit limit is low. I asked for 10k and Analyst put me on hold to check it out.

    He came back and advised that no credit report was pulled (so no inquiry, which is good I guess). The CLI was denied by their computer because the account was only 1 month old and he stated that they have now “hard” restrictions concerning CLI requests before hitting specifically “5 months”. He said to reach back out to them sometime around the new year to request a CLI at that time. End result: CLI request denied, but no HP.

  75. TomTX says:

    BoA has 2 dead numbers:


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