Credit Card Reconsideration Guide

You can contact the Citi credit card reconsideration line over the phone at (800) 695-5171. Reconsideration is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned.

What you should know before calling the Citibank credit card reconsideration line:

• If you call to request reconsideration from Citibank, 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.
• If your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy.
• If you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.

Note that there is no guarantee that you will be successful in overturning your denial. However, there is no harm in trying.

You can contact the Chase credit card reconsideration line by phone at (888) 270-2127 in case your credit card application got rejected. Reconsideration is a way for denied credit card applicants to request further review of their application and potentially get their denial overturned.

Chase Reconsideration Request Tips:

• Make sure you review the reasons for your denial before calling for a reconsideration request. For instance, if your credit score or income went up since you applied, you can make a case for having improved your creditworthiness. 
• Check your credit report for errors and become familiar with its strengths and weaknesses. If you had missed payments in the past, but since paid on time for several consecutive months, you can bring that to the issuer's attention. 
• Explain your situation, or any information from your credit report or application that could raise questions. Feel free to also consult WalletHub's guide on how to ask for reconsideration.

If you get denied anyway, you should consider some tips for improving your credit score, applying for a secured card, or becoming an authorized user on someone else's account.

To reach the Barclaycard reconsideration line, call (866) 408-4064. Reconsideration is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned. 

Reasons to Call the Barclaycard Reconsideration Line

• There was a major mistake on your credit report
• You just paid off a big debt
• Your credit score has improved significantly since you applied
• Your income went up
• There is incomplete or incorrect information on the application

Basically, anything that improves your borrowing profile in a meaningful way could be relevant for reconsideration. But if nothing has changed, the result is unlikely to change, either. Your rationale for reconsideration should ideally address the reason you got rejected, which credit card companies are required to disclose.

If you think there's an argument to be made, you can also contact the Barclaycard reconsideration department by mail at the following address: 

Card Services
P.O. Box 8801
Wilmington, DE 19899-8801

In case your application is still denied after calling the Barclaycard reconsideration line, you should consider improving your credit score or applying for a credit card that might be easier to get. Alternatively, you could become an authorized user on someone else's account.

To contact the Amazon.com Credit Card reconsideration line, call (888) 270-2127. The Amazon.com Credit Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. If you want to contact the Amazon.com Store Card reconsideration line instead, you should call (866) 419-4096.

What to Do Before Asking for Amazon.com Credit Card Reconsideration

If you call to request reconsideration from Chase, 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.

To contact the Secured Sable ONE Credit Card reconsideration line, call 1-833-583-8383. The Sable Credit Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of Sable Credit Card, the reconsideration line is the same as the general Sable customer service number.

If you call to request reconsideration from Sable, 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.

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.

To contact the Best Buy® Credit Card reconsideration line, call 1 (800) 695-5171. The Best Buy® Credit Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.

If you call to request reconsideration from Citibank, 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.

Yes, American Express does have a reconsideration line for applicants to call and request a second review of their denied credit card application. The American Express reconsideration line is (800) 567-1083. Amex credit analysts have the authority to overturn a denied application over the phone, but there's no guarantee they'll reverse the original decision.

Before requesting an Amex reconsideration, make sure you have a valid reason why your application deserves a second look. For example, there may have been a significant positive change in your financial situation or your credit report since you applied. Be prepared to provide any supporting documentation, if requested. Feel free to also take a look at WalletHub's credit card reconsideration guide before requesting reconsideration.

Alternatives for Denied American Express Applicants

If your Amex reconsideration is unsuccessful, you still have other options. The obvious choice would be to apply for another card that might be easier to get. Most American Express cards require good credit or better (a credit score of 700+), so if your credit standing is holding you back, you'll have to either seek out a card from another issuer or sign on to someone else's Amex account as an authorized user.

If you prefer, you can simply work on remedying the issue(s) that resulted in the denied application in the first place, and apply for that same Amex card again. American Express does recommend waiting at least 30 days from the date you received the denial letter before submitting a second application, but most improvements will take longer than that anyway. Feel free to also check out WalletHub's guide on how to improve your credit score.

To contact the Capital One SavorOne Cash Rewards Credit Card reconsideration line, call Capital One customer service. The Capital One SavorOne reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.

If you call to request reconsideration from Capital One, 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.

To contact the U.S. Bank Altitude® Go Visa Signature® Card reconsideration line, call 1 (800) 947-1444. The U.S. Bank Altitude Go Card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.

If you call to request reconsideration from U.S. 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.