Denied a Credit Card? Here’s How to Call the Credit Card Reconsideration Line

If your credit card application was denied, you may get a second chance at approval by calling your issuer’s reconsideration line.

Man calling the Chase reconsideration line on his cell phone
Updated May 13, 2024
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There are many reasons you could be denied a credit card you apply for: Maybe your credit score is too low, you have insufficient income, or you have too much outstanding debt. Some issuers, such as Chase, may also deny you if you’ve opened up too many credit cards recently.

No matter the reasons for the rejection, it’s upsetting when you can’t get a card you’re interested in. The good news is that getting told no after applying doesn’t always mean you have to give up hope. Card issuers offer credit card reconsideration lines so you can challenge an application denial.

In this article

What are credit card reconsideration lines?

Credit card reconsideration lines allow you to get a second chance on your credit application. You can call a reconsideration line after being denied a card and ask for your application to be reevaluated.

You’ll usually see details in your denial letter about how to request reconsideration, so be sure to follow the deadline specified by your card issuer — which is usually around 30 days. If you miss the deadline, you’ll have to submit a whole new application, so don’t let this window close if you want a second chance.

While calling the reconsideration line isn’t a guarantee of success, it does give you the chance to find out more about why you were denied and to provide additional information and answers to questions. It takes just a little bit of time and effort, but it can be worth it if you really want a specific card.

What to do before you call the reconsideration line

If you’re going to ask a creditor to reconsider an application denial, it’s important you have a good reason why. Before calling the Chase reconsideration line, Amex reconsideration line, or others, be as prepared as possible.

Some of the steps you should take before calling include:

  • Review the reason you were denied: When you receive a denial letter from a creditor, it should explain why you weren’t approved for the card. Review all of the details carefully so you’re prepared during the phone call to address the problems the card issuer had with your initial application.
  • Gather documentation in case you’re asked for information: The card issuer may want to know about your income; your monthly expenses, including your rent or mortgage or other debt payments; and the reason for recent inquiries on your credit report. If you were denied a business card, you may need to provide an EIN (Employer Identification Number) or information about your company’s revenue over the past several months. You want to have all your financial details at the ready so you’re prepared to answer any questions.
  • Check your credit score, and get a copy of your credit report: You can use your credit report and score to provide information the creditor may need about inquiries or other debt. You also want to check for any mistakes that could explain why you weren’t approved for the card.
  • Create a compelling argument for why you should be approved: It can help your approval chances if the card issuer knows why you’re excited about getting the particular card you applied for. Card companies tend to want long-term customers who will use the card to make purchases for years, rather than just cardholders who will spend enough to earn a sign-up bonus and never use the card again.

Make the call

Once you’re prepared and ready, it’s time to actually contact your card’s reconsideration line. Expect to spend at least 30 minutes on the phone when you call, and be sure to keep some basic tips in mind to maximize your chances of success:

  • Be polite: The customer service representative is far more likely to help you out if you’re friendly and kind.
  • Don’t go on the defensive: You want to come across as open and willing to answer any questions the card issuer has.
  • Be prepared to talk about your cards: You should know some specific cardholder benefits, not just of the card you’re applying for but also other cards in your wallet. That way, you can explain why you want this particular card, even though you may already have others open.
  • Don’t mention the sign-up bonus: As mentioned above, card companies want customers who are going to use a card for the long-haul, not people who just sign up to get free miles, points, or cash back for becoming a new customer.

If you’re ready to call, you can find the contact details for your card issuer below.

Issuer Reconsideration line Customer service Check application status
American Express 800-567-1083 800-528-4800 View online or call 866-314-0237
Bank of America 866-224-8555 800-732-9194 View online or call 866-422-8089
Barclays 866-408-4064 866-928-8598 View online
Capital One None 877-383-4802 (or 800-CAPITAL for existing accounts) 800-903-9177
Chase 888-270-2127 800-432-3117 888-338-2586
Citibank 800-695-5171 800-347-4934 View online or call 888-201-4523
Discover 888-676-3695 800-DISCOVER View online or call 800-347-3085
U.S. Bank None 877-625-5249 View online or call 800-947-1444
Wells Fargo 866-412-5956 800-642-4720 View online or call 800-967-9521 (for Visa cards) or 877-514-3717 (for American Express cards)

What to do if you’re denied

Calling the reconsideration line isn’t a guarantee of approval, so you should be prepared to hear the word “no” from the representative. If this happens to you:

  • Consider calling back on a different day: Sometimes, one customer service agent may be more receptive than another, so it doesn’t hurt to try again.
  • Apply for a different card: You may be able to get approval for a different card from the same issuer or for a similar card from another issuer.
  • Look for a card that caters to people with your credit profile: There are many credit cards that are available only to people with good or excellent credit. If your score isn’t high enough for you to qualify, look for alternatives that cater to people without a stellar credit profile. Student cards and secured cards, for example, are typically much easier to get approved for.

FAQs about reconsideration lines

How do I check the status of my Chase credit card application?

You can check the status of your credit card application with Chase either over the phone or online. Chase asks you to create an online account when you apply for a card, so log into the account and look for the “Application Status” option in the menu.

If you want to check the status of your application by phone, you can call 888-338-2586.

How do I get Chase to reconsider?

Start by looking at the explanation of why you were denied approval of your credit application. Then gather any information that you think Chase should take into account, including the denial letter, and call the reconsideration line at 888-270-2127. Choose option 1 if you have a reference number. If not, press 0 until the system connects you to a representative.

Once you’re speaking to a representative, ask for a reconsideration of your application and provide the details needed to find your application. They will work with you to hopefully find a resolution.

When can I call the Chase reconsideration line?

You should call the reconsideration line after you’ve gotten a written notice that your application has not been approved and the reasons why this has happened. Business hours for the line are 9 am to 10 pm Eastern time.

How do I speak to a Chase representative?

There is no direct number to speak with a representative. If you have a reference number, call the reconsideration line, choose option 1 and enter the information requested from there. This should bring you to a Chase representative. If you don’t want to do all of that, you can press 0 at every prompt until the system routes you to a live person.

Does Citibank, Wells Fargo, or Bank of America have a reconsideration line?

You can call Citibank’s reconsideration line at 800-695-5171. This number will bring you directly to a representative who will ask for your application number.

Wells Fargo’s reconsideration line number is 866-412-5956. This number also brings you directly to a representative who can speak with you about reconsidering your application.

Bank of America's reconsideration line can be reached at 866-224-8555. You will then be able to speak to a representative about reconsidering your credit card application.

What does it mean when a credit card application is under review?

If you get a message saying your application is under review, it means that the bank can’t make an instant decision to approve or deny you with the information you’ve provided. This doesn’t always mean your application won’t be approved. Your application might need some extra review if there is a backlog of applications, your credit report is frozen, the bank is verifying your income, or it needs to take a closer look at recent inquiries to your credit report.

Calling your credit card reconsideration line is worth a try

Policies vary by card issuer, so you may have a different experience calling the Chase reconsideration line versus the Amex reconsideration line or elsewhere. Still, every issuer gives you the chance to try to get an application approved after a denial. It’s worth making a phone call to ask, as the second time may be the charm when it comes to getting approved for the credit card you have your sights set on.

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Christy Rakoczy

Christy Rakoczy has a Juris Doctorate from UCLA Law School with a focus in Business Law, and a Certificate in Business Marketing with an English Degree from The University of Rochester. As a full-time personal finance writer, she writes about all things money-related but her special areas of focus are credit cards, personal loans, student loans, mortgages, smart debt payoff strategies, and retirement and Social Security. Her work has been featured by USA Today, MSN Money, CNN Money and more, and you can learn more at her LinkedIn profile.