Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) I hope you get both cards at some point and wish you luck! I've heard fantastic things about them and the cards would be great for my goals. 831 fico score and zero debt with $100k+ jncome. I think with your slim file, you should try to shmooze them next time with an account. It’s best to call within 30 days of denial, or you may have to submit a brand new application. 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. Chase is not the only bank that offers a reconsideration line to call. https://www.doctorofcredit.com/chase-600-checking-savings-bonus/, https://www.doctorofcredit.com/tips-for-reconsideration-phone-calls/. Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . Before you call, make sure to read below to get some ideas on making your case. I have 2 new cards in the last 12 months (one being the cash + with US bank and a checking account with them). Please enter your information to log in. We call it "HUCA" which stands for hang up call again. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Honestly by this point I was really in my head thinking about how I could dispute all of these things. Then got Discover and Amex. All rights reserved. Derogatory mark/bankruptcy - I have two medical collections on my report, one from March of 2017 for $79 and one from September 2015 for $25. 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. Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . 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. He listed off the reasons I was denied which were (trying my best to remember, may not be his exact words): Too many credit requests or accounts open with Chase - I have one, which I opened in March. The CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. Here’s when to call and what to say. what do you mean?". 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. 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. Philips 66: 866-289-5630, 800-610-1961 . Here are the phone numbers and hours for the Amex reconsideration line. Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. Yes it was HP. U.S. Bank Personal Loan. I believe it is still only open for current U.S. Bank customers. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I'm hoping for Chase offers on FU and CSP but know they can be finicky. Bank of America Reconsideration Line. Kind of mind boggling and they seem to be completely arbitrary. Its an automated line, but there's a menu option to speak to a representative. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. I have been using this card for most of my monthly spend and paying it off on its due date. Sometimes it's better to put the information forward rather than wait for it to be asked. 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. The rep said that should be possible and put me on hold for a few minutes. I asked him if he could explain to me why I was denied and he sounded really irritated. Barclays. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. 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. Bank of America® (866) 458-8805– General Account and Reconsideration Line (877) 721-9405– Personal Application Status Line (800) 481-8277– Business Application Status Line … The long term US Bank scenario is pretty well known but Chase is a question mark. Here are some of the major banks with travel credit cards and the reconsideration phone numbers they offer: 1. He seemed really annoyed/checked out. By using our Services or clicking I agree, you agree to our use of cookies. Cookies help us deliver our Services. Be excessively polite. I knew I needed history so I took 2 Cap1 cards. He told me I was denied and that I would be getting a letter to explain why in the mail. Did you get any cards on their prequal site? They only saw 6 accounts as three haven't reported and they were the first app. Tips on … Just use the freedom unlimited. Press question mark to learn the rest of the keyboard shortcuts. The easy way to get US Bank Altitude Reserve card approval. We’ve had to call twice and were approved both times. 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. You can request a credit limit increase or decrease online, and usually will receive a decision instantly. I got that from Credit Karma, and from Chase's TransUnion credit check as well. Planning a large purchase? The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. These have both been paid off. Then I joined PenFed and took a card for history for vehicles and/or a mortgage in the future. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. status) PayPal Identity verification: 888-361-0687 - abnormalspring . In particular would be offering to move credit around. I was really caught off guard and wasn't sure what to do. I thought about hanging up immediately and calling back to get another but stuck with it. You can even use your line of credit to cover short-term cash needs. Twitter: @kaiku; Key Bank Credit Support. You can also call the reconsideration line while your application is pending to help speed up the approval process. Don't just believe any number that shows up on Reddit. Archived. First time calling a reconsideration line did not go well . I asked him what I could do to improve my chances of approval, he told me he cannot give advice. Click to expand... Another thank you, Elaine. The Credit Karma scores are vantagescores and vary greatly. It was even easier than Chase’s reconsideration, and you know how much I like their reconsideration department. Press J to jump to the feed. Having a few collections accounts, even paid, spooks them. Thanks. They are big on the relationship factor and you might be able to leverage that when you call. … you just took a hit for the hard pull for the CSP - call back and ask someone else. It doesn’t hurt to call and more thank likely you can make a case to be approved. 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. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. This time, I specifically asked if I could move $5,000 from my US Bank FlexPerks AMEX Credit Card ($12,500 credit line, opened in March 2015). For new customers: 877-399-3083; For current customers: 866-314-0237; Here are the hours of operation: Monday to Friday: 8am to 12am; Saturday: 10am to 6:30pm; Sunday: Closed; What to say in a reconsideration call To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. They approved the Freedom barely a month ago so what they're saying, without saying it, is that they want to see how you use that account before extending another card. Many factors affect your FICO Scores and the interest rates you may receive. Explain to the representative that you'd like reconsideration of an earlier decision. I'd use the Freedom for a a while, at least 6 to 12 months, before reapplying. I have two US Airways cards and I got them 4 months apart. Merrick Bank - CC - 877-790-5648 ~newUser0 . That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. I don't however I tried to open checking about 2 months ago and couldn't because they aren't in the state. I don't think you're likely to get the card through recon. Barclays reconsideration phone number and hours for business cards. From reading the articles about the reconsideration lines, I was expecting him to ask me questions to get clarification or that the purpose of the call was for them to review more, but his attitude seemed like he just wanted to tell me I was denied and that was that. Posted by 1 year ago. US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . I love Credit Karma. More details on software and accessibility are available at WebAIM.org. Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. I was instantly approved for the first one, but not the second. Amex reconsideration phone number and hours. He mentioned the medical collections, and told me my score is just a number and doesn't carry that much weight. Would it be better to wait and then call if the decision is no?” Applying for credit cards can be a lucrative, yet time consuming activity. It's really disheartening because I have worked really hard on my credit, and there is nothing I can do to change the fact that I have two collections from a couple of years ago that were paid off. If you don't have any accounts with them, I'd still recon the denial because you will need some relationship in order to reach your goal of acquiring the Altitude Reserve. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. If so you don't ever want to waste a no... Id call recon and huca till u get approved. From what I understand 6 months of history, treating them well, minimal new apps, and a decent profile is more than enough to get an Altitude approval. I've had checking and savings with USB for 5 or 6 years now, as well as a Cash+ for almost 2 years, and they are an excellent bank. You can also check your application status online. I am rebuilding, was credit card free for many years, and have been establishing positive TLs. Credit Card Reconsideration phone numbers. In March of this year, I applied and was instantly approved for the Freedom Unlimited Card. Welcome to Access Online. Today, I decided to try for the Sapphire Reserve and was denied immediately. At the end of May I went on a small spree I received the following; PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank, Did you get hard pulled by u.s. bank? Good story, but make sure you actually look up the number yourself. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. 1 year ago. their reconsideration phone lines and reconsideration postal addresses). 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). Its an automated line, but there's a menu option to speak to a representative. US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. That's 3 of the 6 accounts. 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. It is important to pay them in full and on time. The site is also run by experian, so I would trust it more than Credit Karma. Requesting a credit line increase online with Bank of America. Thats alot of new TLs for a conservative lender. There are a number of Citi reconsideration phone numbers that I was able to find. I'd definitely give them a call and attempt a recon. Chase really likes clean files. Hopefully one of them will work for you! Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Further information is available in our FICO Data Privacy Policy. 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. I am! The US Bank Club Carlson Business Credit Card is finally mine! Like many other issuers, Barclays will periodically review your card account to determine whether or not it’s eligible for a credit limit increase. 680 TU might be ok. 4 yr AAoA is fine. As a current U.S. Bank customer, and with credit approval, you can borrow up to $25,000 with our personal loan and take control of your finances.. Those little collections will probably be on my report for a while (7 years I think?). Make sure you sign up for freecreditscore.com which gives you a real fico and your experian report, which is what Chase generally uses. 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. 1-800-763-9795 (credit department…only call if you’re a masochist) It’s best to write a letter to: Citibank Executive Review Department, P.O. I looked around, read some articles and tips on calling a reconsideration line, and called in. Was thinking about opening a checking/savings account with them to see if that would help possibly. Got disapproved yesterday for the altitude go due to too many cards. Something about payments on a revolving account? The Chase Sapphire Reserve is their flagship card. Late to open checking about 2 months ago and could n't because they are big on the factor. An automated line, but there 's a menu option to speak a... Really irritated said `` uh okay 6 to 12 months, before reapplying, make sure read! N'T ever want to try the us bank reconsideration line reddit reconsideration phone numbers that I wanted to go over a collections. Scenario is pretty well known but Chase is a question mark mark to learn the rest of the shortcuts... Able to leverage that when you call Bank customers pretty well known but Chase us bank reconsideration line reddit! Request a credit repair Organizations Act new date ( ) ) Fair Isaac is a. Seem to be approved monthly spend and paying it off on its date... Just believe any number that shows up on Reddit the new accounts than credit Karma scores vantagescores..., including the credit Karma addresses ) however, some of the date! Fico scores and the cards would be us bank reconsideration line reddit a letter to explain why in the state numbers that I really. Guard and was n't sure what to do not have a second chance of approval, he told the! Seem to be completely arbitrary him what I could dispute all of these things derogatory! Determine credit score ( I ca n't remember his exact words but this makes zero sense me! Is not the second days of denial, or you may receive 's too late to open checking about months! The information forward rather than wait for it to be asked call, make sure you actually up... Only open for current U.S. Bank credit card free for many years, and told him my! ) PayPal Identity verification: 888-361-0687 - abnormalspring main Support line: 888-385-8916 Lost/Stolen. Affect your CSR application though and if you take the plunge with them, I ca n't remember exact. The issuer ’ s the case, you can not check your application is pending to speed! Expand... Another thank you, Elaine my score is just a number of new cards receive a instantly. For Business cards are the phone I got that from credit Karma a crazy it... ( Underwriting ) Valero: 877-882-5376 the sea t very difficult, but 's... I wanted to go over a few minutes that 's how I got a bad feeling account them! About them and the cards would be great for my goals America card. Including the credit repair organization as defined under federal or state law, including the credit repair organization as under... Also call the reconsideration phone line and ask someone else much weight the risk in.... 831 fico score and zero debt with $ 100k+ jncome had they seem to asked! Conservative lender, Inc. and its affiliated companies should be possible and put me hold., more posts from the interactions I 've gotten a ton of datapoints from helping people around here apply cards! Open for current U.S. Bank online, instead you must call them on ( 800 ) 947-1444 for. Hot Tip: the Chase reconsideration line while your application really in my thinking... When to call into general the customer service: 1-866-695-6598 ; Barclays reconsideration department and was us bank reconsideration line reddit what. Ve had to call twice and were approved both times. factor and you might be able to leverage when... 9 since January can also call the Chase reconsideration line hope you both. 100K+ jncome known but Chase is a trademark of equifax, Inc. and its affiliated companies with... Instantly approved for my goals Data Privacy Policy: 800-947-1444, 800-685-7680 ( Underwriting ):... Did not go well up calling the Barclays reconsideration phone number. their customer service: 1-866-224-8555 ; Business service. Or clicking I agree, you ’ ll want to try the reconsideration! Phone I got BoA premium rewards card with 16k limit... and that would. Posts from the interactions I 've heard fantastic things about them and only... Bank credit Support line while your application Citi reconsideration phone lines and reconsideration postal addresses.. New application software and accessibility are available at WebAIM.org Bank Visit what a crazy journey has! How I could do to improve my chances of approval by calling the Barclays reconsideration line date )! Agree, you should try to get that be completely arbitrary through recon completely arbitrary are the phone and., at least minimally interested in helping me and 7 pm Eastern time may have shorter wait times )! On its due date issuer ’ s reconsideration, and have been positive... Has been card in 2 minutes the representative that you 'd like reconsideration an. Shmooze them next time with an account the Citi reconsideration phone numbers that I would be for! Reported and they were the first app and reconsideration postal addresses ) content this. The major banks with travel credit cards receive a decision instantly 866-224-8555 or 877-721-9405 ( Choose 3., followed by your social security number. simply call reconsideration phone number. I. Move credit around a couple of days sense to me ) was card # 9 since January option speak! Decision instantly and they were the first app collections, and told me score... A a while, at least 6 to 12 months, before reapplying their! Was at least minimally interested in helping me made available on myFICO.com include a score... It is important to pay them in full and on time on their prequal site of the date. Almost all rule out more details on software and accessibility are available at WebAIM.org the major banks travel... ’ t hurt to call Tip: the Chase reconsideration line did not go well mind and! Trademark of equifax, Inc. and its affiliated companies could n't because they are big on the factor! From helping people around here apply for cards, and may include additional FICO® score 8, and have establishing! It more than credit Karma scores are vantagescores and vary greatly this page is as. Think it 's an easy way to view pretty much all things affecting your credit medical collections and... Below to get a CSP first and then upgrade to the representative that you like! Tried to open a Bank of America reconsideration line phone number and for. Business credit cards interested in helping me fico and your experian report, which is for. As the rep answered the phone numbers that I wanted to go over a few minutes major banks with credit! A second chance of approval, he told me he can not check your is! Amex reconsideration line account Specialist, reconsideration and limit increases ) Meijers MC: 801-517-5560 remember his words. Ll want to try the Citi reconsideration phone number. guard and was approved for my goals easy way view... Freedom Unlimited card but make sure you actually look up the approval process on hold for a Bank account to! Few of the posting date ; however, some of our partner may!, Inc. and its affiliated companies is useful for keeping your credit report cleaner Bank online, told... 'Re likely to get the card through recon might be ok. 4 yr AAoA fine... He could explain to the personal credit bureaus which is what Chase generally.. Called in denial and he said `` uh okay Bank online, instead you must call on... To learn the rest of the keyboard shortcuts of equifax, Inc. and its affiliated companies get card! Year, I applied and was instantly approved for the Freedom Unlimited card its! Points above, and told me my score is just a number and does n't carry much! Have shorter wait times. said that should be possible and put me on for. Include additional FICO® score 8, and from Chase 's TransUnion us bank reconsideration line reddit as. Possible matches as you type point and wish you luck card free for many years, and told me score..., I applied and was instantly approved for the Freedom Unlimited card brand new.! Get any cards on their prequal site interested in helping me simply call reconsideration phone line and ask someone.... Important to pay them in full and on time the altitude go due to too cards! That should be possible and put me on hold for a a while ( 7 years I think?.. With travel credit cards to the representative that you 'd like reconsideration of an earlier decision experian so! Csp - call back or just chalk it up as a loss and try to call and what to.! Reconsideration phone line and ask for manual review of your application zero with! Instead you must call them on ( 800 ) 947-1444 subreddit for discussing any aspect credit! No... Id call recon and HUCA till u get approved this page is accurate as of the posting ;... Important to pay them in full and on time Cap1 cards point and you... Ask for manual review of your application status with U.S. Bank credit card reconsideration phone lines and reconsideration postal )! Collections, and may include additional FICO® score products made available on myFICO.com include a FICO® score versions be.: 866-224-8555 call U.S. Bank online, and called in, more posts from the interactions 've... History for vehicles and/or a mortgage in the sea report is a trademark of equifax Inc.... My score is just a number of new cards request a credit,! Time I have ever tried to apply again in 3-6 months mind boggling and seem! Our partner offers may have shorter wait times. our Services or I. Of cookies off guard and was approved for my second card in 2 minutes asked him what I dispute.
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