Posted by William Charles on March 29, 2014
Credit Cards

Published on March 29th, 2014 | by William Charles


Tips For Reconsideration Phone Calls

If you’ve ever applied for a credit card and been denied or not instantly approved, you should have called the card issuers reconsideration line. When people first call these lines they can be a bit nervous so we’ve compiled a bunch of tips below to help you get through.

[Read: Reconsideration Direct Phone Numbers]

They’ll always ask basic “verification” details before probing further.

These verification details are used to make sure you didn’t lie about anything on your application (e.g, your income). Make sure you always tell them the same details, they usually ask the for the following: full name, last four digits of your social security, annual income, length of employment, job description, date of birth, address.

  1. Call promptly. If you wait more than a month before calling the reconsideration line you’ll need to submit a new application which will result in another hard credit pull. If you’re denied for a card you should call the reconsideration line as soon as possible.
  2. Have a valid reason for wanting the card. You really just want to look for a unique feature the card has (they’ll usually be listed and in bold font on the application page for you). Some basic examples below:
    • Good: I want the Barclays Arrival because I regularly travel, but don’t want to be tied down to a specific airline or hotel chain.
    • Bad: I really like the sign up bonus.
    • Good: I want the Chase Freedom because I like flexibility of getting cash back and I also love the fact it has 5% rotating categories.
    • Bad: I want the Chase Slate because I want to do a balance transfer so I can park my extra money in a checking account and then immediately pay off it off when the interest free period ends.
    • Good: I regularly travel to Europe so I need an EMV card, as most card readers there require it.
  3. Be Polite.  This should really be a rule of life and anybody who has worked in customer service knows it’s the truth. If you’re polite, kind and courteous the customer service representative is going to do their best to help you out. If you’re rude, obnoxious and make threats they will go out of their way to make sure you’re not approved.
  4. Know both your credit score & details of your credit report. You should really know what your credit score is before you apply for a credit card, different cards require different scores. For example, premium cards such as the Chase Sapphire Preferred & Barclays Arrival will require a credit score of at least 720+. There are plenty of free ways to find out your FICO score. You can also get a free copy of your credit report from each of the three credit bureaus once per year from (a government supported site). Knowing both your credit score and report and having them accessible during a reconsideration call arms you with knowledge and avoids embarassing mistakes (there’s nothing worse than being on the line to reconsideration only to find out your credit report contains mistakes which have prevented you from being approved.
  5. Avoid closing existing accounts/cards with the bank before you apply for the new card. If you close a card with the same issuer before applying for a new card you lose any leverage you might’ve been able to use to your advantage. For example some cards require a minimum credit limit to be opened, if you already have an existing line of credit with that bank you could offer to move some of that limit onto the new card.
  6. Be flexible. In some cases you might have to be a bit flexible and negotiate a bit. For example, if the customer service representative says that you weren’t approved because you have too much available credit with their bank already – you can offer to reduce or move a credit limit from an existing card.
  7. If you have a banking relationship with the card issuer, use it to your advantage. If you’ve already held a card with the card issuer before or have one of their other products (e.g a checking account) then you can use this to your advantage. For example:
    • They say “Your credit reports show three late payments”, your reply could be “I’ve held card X with your bank for six years and never had any late payments. The reason I was late with those cards was that the card issuer had a problem with their Bill Pay feature causing me to be late. I’m currently contesting that negative item with them”.
    • They say “Your income is too low for this card”, you say “I have a checking account with you guys, as you can see I currently have $10,000 in savings. I always live well below my means and am extremely frugal”.



18 Responses to Tips For Reconsideration Phone Calls

  1. Derek says:

    This article summed up the best of what Im reading on this from other sites.

    Got the dreaded “Too many recent inquires letter” from Barclay’s for their US Airways card & will be calling them. Based on what I’m reading on the travel sites it would be better for me to apply in a few months because Barclay’s is sensitive w 2 many inquires even applicants w high FICOs unless you have a balance to transfer to open account.

    What suggestions do you have for dealing w Barclay’s ?

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  3. Abe says:


    Any tips how to overcome too many inquiries with Citi?

    I don’t even have one card with them and the Citi Aa platinum is a prerequisite to get a Citigold savings account offers.

  4. Lela says:

    Just FYI the link to recon phone #’s on this page just goes back to this page. No big deal.

  5. freqflyercoll says:

    I’m personally pretty used to calling in and discussing/asking these things, but this is very useful to send to people who are new to this! Thanks for putting it together!

  6. David says:

    I applied for barclay with TU 733, got rejected. Called recon and they rejected again saying I am having too many new cards. Do you think it would help if I call again later?

    • Jay says:

      I was in the same boat and i called again later that day after getting rejected by the first reconsideration agent. I changed my answers a bit and the second agent approved me.

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  9. Jonathan says:

    Hi, I applied for a US Bank credit card and the reason I was denied was due to having too many phone numbers linked to the address. Any idea what this means?

  10. Bill says:

    I have the Amex Delta gold card and was denied for the Amex Delta platinum. Any advice in regards to the point about why I would want the platinum card when speaking to the rep? In reality, the cards have identical benefits so I’m not sure what there is to say besides the ‘bad’ answer of wanting the sign-up bonus.

  11. John says:

    With rumor of Bank of America cards being restricted to 4; is #5 still valid? I have 2 Alaska cards and was planning on getting another so should I move the credit line to other Bank of America cards before closing or should I not worry and just apply for my 3rd Alaska card?

  12. Wendy says:

    What is the reconsideration phone number for southwest card from chase. Your link directs back to the tips page. Thx.

  13. jpv says:

    DP: Approved for a biz (9/28 app) and personal card (10/1) for Chase. Applied 10/4.

    Denied due to too many applications in past 30 days. Chase 2/30 applies to business cards (at least in the case of SW).

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