How does the Bank of America credit card reconsideration process work?

The Bank of America credit card reconsideration process is a way to potentially overturn a rejected Bank of America credit card application, based on updated information. To start the Bank of America reconsideration process, call customer service at (800) 732-9194, as there is no dedicated reconsideration number.

Common reasons to ask for reconsideration include incorrect information on the application, a recent credit score or income boost, or other factors that put the applicant in a better position to be approved.

How to Request Bank of America Credit Card Reconsideration:

1. Call Bank of America at (800) 732-9194.
2. Enter your Social Security number to confirm your identity.
3. Listen for the menu option to speak with a representative.
4. Tell the representative you’d like your application to be reconsidered.
5. Explain why your qualifications are better now than they appeared on the application.
6. Wait for a decision.

Before you request Bank of America credit card reconsideration, you should be sure to fix any errors on your credit report and prepare information relevant for your discussion with the BofA representative. Remember to be calm and polite during the call, too.

Finally, a Bank of America representative mentioned that some people who are ultimately denied for a card may receive a counter offer with their denial, such as the ability to open a secured card instead. This could be a good way to improve your credit score.

The Bank of America credit card reconsideration process does not work for most people who get turned down for a BofA credit card, but it’s worth a shot if your financial situation has changed for the better or your application got rejected because of a mistake. To start, call 1-800-732-9194 and plead your case.

If you still get denied, consider improving your credit score, applying for a secured card or becoming an authorized user on someone else’s account.