How do I contact the Credit One Visa Card reconsideration line? This question is about the Credit One Bank® Platinum Visa® for Rebuilding Credit

How do I contact the Credit One Visa Card reconsideration line?

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This question is about the Credit One Bank® Platinum Visa® for Rebuilding Credit

Sydney Garth, Credit Cards Moderator

@sydneygarth • 09/28/22 This answer was first published on 03/19/21 and it was last updated on 09/28/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To contact the Credit One Visa Card reconsideration line, call (800) 752-5493. The Credit One Visa Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.

How to Contact the Credit One Visa Card Over the Phone

Call the Credit One Visa Card reconsideration line at (800) 752-5493.
Pres “#” for English.
When prompted, press “1” and give your Social Security Number.
Wait until you are connected to a live representative.

If you call to request reconsideration from Credit One Bank, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.

For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.

At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.

Answer Question

How do I ask creditors to reconsider a denied application?

Don't worry! Call or write asking for a reconsideration! Denials are often computer generated based strictly on score. A manual review by an underwriter can often get you the approval you are looking for. Here are several suggestions:

1. Call the number on your denial letter and ask for your application to be reconsidered. If possible, try and get a hold of someone in underwriting. Be prepared to explain the derogs on your report and...

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How long should I wait to apply for another credit card after being denied?

You should wait six months to one year between credit card applications in most cases, regardless of whether your last application was approved or denied. Most people’s credit scores will bounce back from a credit card application in about six months. The same rule applies if you’re trying to reapply for the same credit card you were denied for (though you should make sure you’ve addressed the reasons stated in your rejection letter before you...

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Where can I check my credit card application status?

You can check your credit card application status either online or over the phone, depending on the credit card company. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if it’s a close call between approval and rejection. Some credit card applications stay in pending status for up to 30 days.

All major credit card companies allow applicants to check their status...

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