Bank of America Reconsideration Line: What It Is and How to Call

If you’ve been turned down for a Bank of America credit card, the reconsideration line might help you get another chance.
Last updated May 13, 2021 | By Miranda Marquit
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Being denied for a credit card never feels good — especially if you’re pretty sure you meet the qualifications for that card.

Even if you’ve been denied, though, it’s not always the last word on whether you’ll end up with a credit card. Some credit card issuers, like Chase, offer reconsideration lines designed to allow you to plead your case. Bank of America also provides such an option.

If you’ve been turned down for a credit card, here’s what you need to know about using the Bank of America reconsideration line.

In this article

What is the Bank of America reconsideration line?

When you apply for a credit card, there’s a good chance that you’ll fill out an online application. That form is then automatically reviewed using algorithms and you receive an approval or a rejection in less than a minute. Unfortunately, this process doesn’t use a human to consider added context.

When you call the Bank of America reconsideration line, you can talk to someone about your situation, explain items that appear as red flags, and potentially get your rejection overturned. Also, if you have questions about a Bank of America credit card application or need assistance, you can call the following numbers.

Phone number When to call:
Bank of America reconsideration line 866-224-8555 When you are rejected for a Bank of America credit card and would like someone to reconsider your application.
Bank of America credit card status line 866-422-8089 When you’re unsure about the status of a Bank of America credit card application.
Bank of America customer service line 800-732-9194 When you need assistance with your Bank of America account.

4 steps to take before you call

Before you call the Bank of America reconsideration line, you need to be prepared. Here are some things to do before you get on the phone.

Find out why you were rejected

Your first step is to find out why you were denied in the first place. Credit issuers are required to provide you with information about why your application was rejected, as well as which credit reporting agency was used. You are entitled to a free report from that agency to review. Once you know the reason behind the failed application, you can take steps to fix the problem.

Review your credit report

Obtain a copy of the report used to make the decision. You’re entitled to a free copy, so you should be able to comb through it to identify the problem areas. Look for items that might be additional red flags on top of the stated reason for your credit denial. This is also a good time to identify mistakes in your credit report. In some cases, you might be rejected because of inaccurate or fraudulent information.

Fix mistakes on your credit report

If you do find mistakes on your credit report, it’s time to fix them. Notify the credit bureau of the mistake. They are required to investigate the issue and make corrections in a timely fashion, so if you’re in the right, you might see an improvement in your score.

In the case of fraudulent accounts, you can request to have them removed. Report to law enforcement as well as to the credit bureaus in order to bolster your case. When you’ve taken these steps, discuss them with the person you talk to on the Bank of America reconsideration line. Let them know the problems that led to the rejection weren’t your fault and that they’re being fixed.

Make notes about extenuating circumstances

Maybe the red flags on your account are due to extenuating circumstances. You might have been going through a financial hardship and missed payments as a result. Or, perhaps, you have multiple accounts with an issuer and you can explain that one card is for your business, while the other is a personal card, and that you want another personal card. Whatever the issue, create notes that you can refer to when you call.

If you can coherently explain circumstances that led to your poor score, including items like a medical emergency, unexpected job loss, or a divorce, you can explain how matters are resolved and you might be able to get approval after all.

Best practices for calling the Bank of America reconsideration line

After doing the research and compiling your notes, it’s time to call the Bank of America credit cards reconsideration line. Here are some tips to improve your chances of success.

Remain calm and polite

This can be an emotional time, and you might be tempted to get angry. However, you’re more likely to see the results you want if you remain calm and polite. If you’ve done your research and taken good notes, it will be easier to remain calm during the conversation. Remember the other person is doing their best, and try to be kind.

Present your case clearly

Having notes can also help you present your case clearly. Be clear about why you want the card and the reasons you think you should be granted approval. Also, if there are extenuating circumstances, explain those and how you’ve reconciled the situation so that it’s no longer an issue.

This is also the time to address specific concerns. You might offer to close a credit card account if the reason for your denial is that you have too many accounts with one issuer. Another possibility is to point out that you’re a long-standing customer or that you’re willing to transfer an outside account to Bank of America.

What to do if your request is denied

Sometimes, no matter what you say, your request will be denied. However, there are some things you can do. First, you can try asking to speak with a supervisor. In some cases, you might be able to talk to someone with more decision-making ability in order to get approval. You can also try calling the Bank of America reconsideration line again, in the hopes that you will get a representative more willing to work with you.

If these immediate strategies don’t work, you might need to take a long-term approach to getting the credit card. Here are some things you can try:

  • Improve your credit: Maybe you just need a few months to improve your credit score. Consider getting a secured credit card to help you boost your score. Make on-time payments and work to pay down debt to improve your credit utilization ratio.
  • Apply for a different card: In addition to secured credit cards, there are also unsecured credit cards you can apply for. Maybe a different issuer has less-stringent requirements. If that’s the case, you might be able to get a card with slightly different rewards. It might not be exactly what you want, but it might be close enough for now.
  • Wait and apply for the same card in a few months: If you’ve improved your score and addressed the red flags that led to your original rejection, you might get approved for the card later. Apply in a few months and see what happens.
  • Call the Bank of America reconsideration line in a few months: Before reapplying for the card, you might be able to get results by calling the reconsideration line again. Let them know the steps you’ve taken to address the issues, and encourage them to look at your updated credit report and score.

The final word on the Bank of America reconsideration line

A credit card denial isn’t always permanent. Thanks to resources like the Bank of America reconsideration line, it’s possible to move beyond the computer and speak with a human who can look at your case and potentially change the outcome.

If you take the time to find out exactly why you were rejected and you take steps to address the problem, there’s a chance that you might be able to get that credit card after all — even if your original application was denied.

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Author Details

Miranda Marquit Miranda Marquit has been covering money for more than a decade and is a nationally-recognized financial expert and journalist, appearing on CNBC, NPR, Forbes, Yahoo! Finance, FOX Business, and numerous other outlets.