1 year ago. You can also check your application status online. Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . I've gotten a ton of datapoints from helping people around here apply for cards, and basically derogatory remarks/collections/bankruptcies almost all rule out. My research led me to decide on trying for a Chase duo, the Freedom Unlimited Card and the Sapphire Preferred/Reserve - most of my monthly spend is on dining and I travel a decent amount. The CSR needs 10k credit limit, so unless you already have one of those limits, you're unlikely to get that. https://www.doctorofcredit.com/chase-600-checking-savings-bonus/, https://www.doctorofcredit.com/tips-for-reconsideration-phone-calls/. Altitude does still require a relationship. It was the only time I have ever tried to apply for anything with Chase. Tips on … Chase Reconsideration Line: What to Expect to Secure an Approval If you’ve been declined after applying for a Chase credit card, depending on the reason, there may be hope! In case you haven't been following the journey, here is a recap of events: App-O-Rama Results - June 12, 2014 (link) I received a pending application status. Yes it was HP. I'm hoping for Chase offers on FU and CSP but know they can be finicky. You can even use your line of credit to cover short-term cash needs. Welcome to Access Online. Learn more. It's an easy way to view pretty much all things affecting your credit. U.S. Bank Personal Loan. Barclays has a dedicated reconsideration line, but you may also have success calling the general … Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. Close. They are big on the relationship factor and you might be able to leverage that when you call. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Bank of America Reconsideration phone numbers 1-888-663-6262(auto line, option 3 for recent apps) 877-665-5020, 877-261-3494 (Business apps to reach a person. To hell with Chase, there are plenty of other fish in the sea. These have both been paid off. Philips 66: 866-289-5630, 800-610-1961 . Here are some of the major banks with travel credit cards and the reconsideration phone numbers they offer: 1. I felt like I was getting nowhere so I thanked him for his time and ended the call. If the collections are for $104, then make sure you emphasize that it was only $104 and explain why you didn't pay and why you're in a different situation now. Its an automated line, but there's a menu option to speak to a representative. Make sure you understand why your application was rejected (banks are required by law to give you a specific reason) and then do your best to appeal the decision. US Bank 800-947-1444 - reconsideration 800-685-7680 - reconsideration As for notoriously hard Club Carlson from US Bank, I followed TBB's lead (he blogged about his process) and called them 4-5 times until I finally got someone who would review it and I ultimately did get approved. Something about payments on a revolving account? what do you mean?". Those little collections will probably be on my report for a while (7 years I think?). Here are the phone numbers and hours for the Amex reconsideration line. I need to start recon with US Bank in a couple of days. I had two credit cards that I put a few recurring purchases on each month and pay off the balance monthly, but wasn't getting any cash back or points on. I ended up dropping $80k in investments over to chase to get approved for the CSR (was over 5/24, needed a pre-approval to bypass) and essentially moved all my banking there in an attempt to get the card and the 100k UR signup bonus. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. I was instantly approved for the first one, but not the second. From the interactions I've had they seem fantastic! That's why I was so confused because he acted like I had horrendous credit and credit history, but everything I can see on Credit Karma says otherwise. Honestly by this point I was really in my head thinking about how I could dispute all of these things. I ended up calling the Barclays reconsideration department and was approved for my second card in 2 minutes. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Before you call, make sure to read below to get some ideas on making your case. Posted by 1 year ago. (800) 695-5171 – Personal Reconsideration Line (888) 201-4523 – Reconsideration line (800) 695-5171 – Personal reconsideration line Chase is not the only bank that offers a reconsideration line to call. The rep doesn't do the underwriting, but they will put your app back into the queue for an underwriter to review and you hear from them in about 2-3 days. First time calling a reconsideration line did not go well. US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. The easy way to get US Bank Altitude Reserve card approval. I have been using this card for most of my monthly spend and paying it off on its due date. I'm really at a loss here, I've read that you can call back but he gave me the impression that no meant no and there was nothing I could do about it. 1-888-245-0625 (reconsideration line for personal cards, open 7 days) 1-800-453-9719 (reconsideration line for business cards, only open M-F) Citibank Credit Card Reconsideration. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Makes sense, kind of a bummer though. Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. Its an automated line, but there's a menu option to speak to a representative. No big deal, simply call reconsideration phone line and ask for manual review of your application. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Note that Bank of America’s reconsideration line phone number reportedly changes on a regular basis, so you may have better luck through the general account line. The phone number for personal card applications is: +1-866-710-2688; And the operating hours: 8am to 8pm EST seven days a week; What to say in a reconsideration call. 831 fico score and zero debt with $100k+ jncome. Are you signed up for Credit Karma? That's 3 of the 6 accounts. Link: U.S. Bank Altitude Reserve Visa Infinite® Card When you open the US Bank Altitude Reserve card, you’ll earn 50,000 points after you spend $4,500 in the first 90 days of account opening. You can try to get a CSP first and then upgrade to the CSR after a year. Barclays. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. Good story, but make sure you actually look up the number yourself. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. “If my online credit card application isn’t approved instantly, is there any benefit to calling the reconsideration line right away rather than waiting until I receive a yes or no decision? Press J to jump to the feed. The long term US Bank scenario is pretty well known but Chase is a question mark. I started to explain my points above, and told him that my credit score was at 750. Don't just believe any number that shows up on Reddit. Twitter: @kaiku; Key Bank Credit Support. We’ve had to call twice and were approved both times. Sometimes it's better to put the information forward rather than wait for it to be asked. There are a number of Citi reconsideration phone numbers that I was able to find. So if that’s the case, you’ll want to try the Citi Reconsideration phone number. Bank of America Reconsideration Line. Hi everyone, After doing some research, I finally realized that using my debit card for all of my purchases was not smart and that I could actually earn some benefits from money that I was already spending. Why you should NOT call the reconsideration line; American Express reconsideration phone number and website; Bank of America reconsideration phone number and website; Barclay reconsideration phone … Like many other issuers, Barclays will periodically review your card account to determine whether or not it’s eligible for a credit limit increase. Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) Each point is worth 1.5 cents toward travel expenses, so you can get $750 worth of travel with this offer (50,000 X 1.5). Amex reconsideration phone number and hours. Explain to the representative that you'd like reconsideration of an earlier decision. 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