Chip Lupo, Credit Card Writer
@CLoop
Your Petal 2 Card application may have been denied for various reasons, such as insufficient disposable income, too much debt, a recent or unresolved bankruptcy on your credit report, or being under 18 years old. You should receive a letter from Petal explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call Petal to ask for reconsideration. However, you’re only likely to succeed if you can prove your credit and/or income are significantly better than they appeared on your application.
Possible Reasons Your Petal 2 Card Application Was Denied
- Under 18 years old
- Not enough credit history
- Income is too low or unstable
- High debt relative to your income
- Too many recent credit inquiries
- Late payments on your credit report
- Using too much available credit
- Errors on your credit report (which you should check for and dispute)
- Unresolved bankruptcy on your credit report
- Errors on your application
- Forgotten credit freeze, credit lock, or fraud alert on your credit reports
To see which cards you may qualify for, you can check your credit score for free here on WalletHub and use our CardAdvisor tool to get personalized recommendations.
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People also ask
How do I contact the Petal 2 Card reconsideration line?
To request reconsideration for a rejected Petal® 2 Visa® Credit Card, call Petal customer service and ask a representative to direct you to the reconsideration department. Asking for reconsideration is a way for you to request a second review of your application and potentially get a denial overturned.
What You Need for Petal 2 Card Reconsideration
If you call to request reconsideration from Petal, make sure you are prepared to make an argument for why you should be approved....
read full answer by Adam McCann, Financial WriterHow do I check my Petal 2 Card application status?
You can check your Petal 2 Card application status by calling 1 (855) 697-3825. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Petal can match you to your application. You unfortunately cannot check your Petal 2 Card application status online.
How to Check Your Petal 2 Card Application Status
- Call 1 (855) 697-3825.
- Follow the prompts that lead to an application status check or connect with a representative...
What should I do if my credit card application is declined?
If your credit card application is declined and you think it did not accurately represent your current financial situation, the first thing you should do is ask for your application to be reconsidered. You should ideally wait at least 6 months before applying for another card, but if you can’t wait, you should apply for a card that’s easier to qualify for.
What to Do If Your Credit Card Application Is Declined
- ...
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