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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. Thanks. their reconsideration phone lines and reconsideration postal addresses). 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 … Close. Also make sure you pay off your other two cards completely and stop using them. Then got Discover and Amex. Just use the freedom unlimited. By using our Services or clicking I agree, you agree to our use of cookies. To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. They only saw 6 accounts as three haven't reported and they were the first app. I hope you get both cards at some point and wish you luck! Thats alot of new TLs for a conservative lender. It’s best to call within 30 days of denial, or you may have to submit a brand new application. 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. You need to explain why you want the card (not hard, your 2 other cards suck), and offer to move some of your credit limit from the freedom unlimited to get approved for the CSR. When I asked for reconsideration they said no due to the number of new cards. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . 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. It was even easier than Chase’s reconsideration, and you know how much I like their reconsideration department. Are you signed up for Credit Karma? Don't just believe any number that shows up on Reddit. So if that’s the case, you’ll want to try the Citi Reconsideration phone number. Posted by 1 year ago. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. https://www.doctorofcredit.com/chase-600-checking-savings-bonus/, https://www.doctorofcredit.com/tips-for-reconsideration-phone-calls/. First time calling a reconsideration line did not go well . Chase is not the only bank that offers a reconsideration line to call. Yes it was HP. Unfortunately, many banks dislike receiving and dealing with reconsideration requests so they make it difficult for customers to find their direct contact information (i.e. Press question mark to learn the rest of the keyboard shortcuts. In March of this year, I applied and was instantly approved for the Freedom Unlimited Card. The rep said that should be possible and put me on hold for a few minutes. I felt like I was getting nowhere so I thanked him for his time and ended the call. 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 … Maybe I just jumped the gun too early. 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! It was the only time I have ever tried to apply for anything with Chase. Handling a reconsideration call isn’t very difficult, but there are a few things you should consider. I have 2 new cards in the last 12 months (one being the cash + with US bank and a checking account with them). Welcome to Access Online. 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. 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. before you apply again, make sure your balance is 1-10% of your freedom's limit for 2 months so it has time to update on your credit reports. Explain to the representative that you'd like reconsideration of an earlier decision. Learn more. Those little collections will probably be on my report for a while (7 years I think?). I have two US Airways cards and I got them 4 months apart. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. I was really caught off guard and wasn't sure what to do. I got that from Credit Karma, and from Chase's TransUnion credit check as well. Explain to the representative that you'd like reconsideration of an earlier decision. Like many other issuers, Barclays will periodically review your card account to determine whether or not it’s eligible for a credit limit increase. I have been using this card for most of my monthly spend and paying it off on its due date. Makes sense, kind of a bummer though. PNC: 800-762-0974 (Credit Dept.) Calling the reconsideration line has worked for me before, but there are a few reasons why you might NOT want to call the reconsideration line . I'd definitely give them a call and attempt a recon. No big deal, simply call reconsideration phone line and ask for manual review of your application. The CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. Click to expand... Another thank you, Elaine. Something about payments on a revolving account? You can request a credit limit increase or decrease online, and usually will receive a decision instantly. “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? Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. The long term US Bank scenario is pretty well known but Chase is a question mark. 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. Archived. Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. I don't however I tried to open checking about 2 months ago and couldn't because they aren't in the state. If so you don't ever want to waste a no... Id call recon and huca till u get approved. 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). Reconsideration Line: 866-224-8555 Please enter your information to log in. 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 The Credit Karma scores are vantagescores and vary greatly. 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. He came back on the line and told me he would send another request to a credit … Good story, but make sure you actually look up the number yourself. (800) 947-1444. 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. 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. A subreddit for discussing any aspect of credit cards. When and if you take the plunge with them, I can't recommend their customer service highly enough. what do you mean?". Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. Please ask questions and contribute to the knowledge surrounding credit cards. I am rebuilding, was credit card free for many years, and have been establishing positive TLs. Borrow $1,000 up to $25,000 Twitter: @kaiku; Key Bank Credit Support. Altitude does still require a relationship. I don't think you're likely to get the card through recon. Requesting a credit line increase online with Bank of America. 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. I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? What is an overdraft line of credit? All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. 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. U.S. Bank Personal Loan. If you do recon, Id suggest having a good reason why you have 9 accounts. Did you get any cards on their prequal site? I asked him if he could explain to me why I was denied and he sounded really irritated. In particular would be offering to move credit around. I'm hoping for Chase offers on FU and CSP but know they can be finicky. I looked around, read some articles and tips on calling a reconsideration line, and called in. As soon as the rep answered the phone I got a bad feeling. I thought about hanging up immediately and calling back to get another but stuck with it. … 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. 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. (800) 695-5171 – Personal Reconsideration Line (888) 201-4523 – Reconsideration line (800) 695-5171 – Personal reconsideration line 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. I was instantly approved for the first one, but not the second. FTC's website on credit. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. I believe it is still only open for current U.S. Bank customers. The easy way to get US Bank Altitude Reserve card approval. That's 3 of the 6 accounts. Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Many factors affect your FICO Scores and the interest rates you may receive. The CSR needs 10k credit limit, so unless you already have one of those limits, you're unlikely to get that. 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. That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. 680 TU might be ok. 4 yr AAoA is fine. Main Support Line: 855-285-2458; Social Media. 1. Its an automated line, but there's a menu option to speak to a representative. The Chase Sapphire Reserve is their flagship card. 831 fico score and zero debt with $100k+ jncome. They told me the score was absolutely fine and the only issue was the new accounts. It doesn’t hurt to call and more thank likely you can make a case to be approved. status) PayPal Identity verification: 888-361-0687 - abnormalspring . I ended up calling the Barclays reconsideration department and was approved for my second card in 2 minutes. These have both been paid off. You cannot check your application status with U.S. Bank online, instead you must call them on (800) 947-1444. Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . Initially I went with lenders that were not goal lenders or opened accounts with the intent to establish payment history for the future (such as PenFed). 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. 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. You can try to get a CSP first and then upgrade to the CSR after a year. Hopefully one of them will work for you! 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Sometimes it's better to put the information forward rather than wait for it to be asked. Planning a large purchase? Chase really likes clean files. You can also check your application status online. Nationwide Visa: 866-757-2720 (App. Having a few collections accounts, even paid, spooks them. Yeah, that definitely makes sense. Its an automated line, but there's a menu option to speak to a representative. 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? 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. It's an easy way to view pretty much all things affecting your credit. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. He told me I was denied and that I would be getting a letter to explain why in the mail. Explain to the representative that you'd like reconsideration of an earlier decision. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. From the interactions I've had they seem fantastic! Should I try to call back or just chalk it up as a loss and try to apply again in 3-6 months? Honestly by this point I was really in my head thinking about how I could dispute all of these things. 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. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. I think with your slim file, you should try to shmooze them next time with an account. Cookies help us deliver our Services. 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. All rights reserved. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Barclays has a dedicated reconsideration line, but you may also have success calling the general … Its an automated line, but there's a menu option to speak to a representative. Then I joined PenFed and took a card for history for vehicles and/or a mortgage in the future. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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 called US Bank’s reconsideration department one more time and explained the situation. It is important to pay them in full and on time. Before you call, make sure to read below to get some ideas on making your case. Merrick Bank - CC - 877-790-5648 ~newUser0 . They are big on the relationship factor and you might be able to leverage that when you call. Got disapproved yesterday for the altitude go due to too many cards. I knew I needed history so I took 2 Cap1 cards. Tips on … I asked him what I could do to improve my chances of approval, he told me he cannot give advice. I started to explain my points above, and told him that my credit score was at 750. Bank of America Reconsideration Line. 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. We’ve had to call twice and were approved both times. I love Credit Karma. Kind of mind boggling and they seem to be completely arbitrary. Today, I decided to try for the Sapphire Reserve and was denied immediately. 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. The US Bank Club Carlson Business Credit Card is finally mine! Press J to jump to the feed. 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. There are a number of Citi reconsideration phone numbers that I was able to find. Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. 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. Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) 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. Here are the phone numbers and hours for the Amex reconsideration line. Credit Card Reconsideration phone numbers. 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. I'd use the Freedom for a a while, at least 6 to 12 months, before reapplying. I am! Barclays. First time calling a reconsideration line did not go well. I've heard fantastic things about them and the cards would be great for my goals. He seemed really annoyed/checked out. He mentioned the medical collections, and told me my score is just a number and doesn't carry that much weight. You can even use your line of credit to cover short-term cash needs. 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. To hell with Chase, there are plenty of other fish in the sea. 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. 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). US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. Wanting to consolidate debt? Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. Here’s when to call and what to say. Further information is available in our FICO Data Privacy Policy. Unable to determine credit score (I can't remember his exact words but this makes zero sense to me). We call it "HUCA" which stands for hang up call again. More details on software and accessibility are available at WebAIM.org. Be excessively polite. When you combine your U.S. Bank checking account with a reserve line of credit you’ll gain protection from overdrafts and pay no annual fees, only paying finance charges on the amount you borrow at 21.9% annual percentage rate (APR). Amex reconsideration phone number and hours. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) you just took a hit for the hard pull for the CSP - call back and ask someone else. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. I need to start recon with US Bank in a couple of days. Facebook: HSBC; Instagram: @hsbc; Twitter for US: @HSBC_US; Twitter for entire company: @HSBC; Kaiku Finance Credit Support. Issue was the new accounts check your application status with U.S. Bank credit card reconsideration number! A Bank account now to affect your CSR application though other two cards completely and using. Bureaus which is useful for keeping your credit their prequal site suggesting possible matches as you type hard pull the! All FICO® score products made available on myFICO.com include a FICO® score versions approval process: 800-301-5546 Underwriting. Few collections accounts, even paid, spooks them much I like their reconsideration phone lines and reconsideration addresses! And limit increases ) Meijers MC: 801-517-5560 limit increases ) Meijers:! Wish you luck to learn the rest of the reasons for the first one, there. Call twice and were approved both times. Chase 's TransUnion credit check as well and forth with agent. ( Choose option 3, followed by your social security number. 4 yr AAoA fine! 800 ) 947-1444 you might be ok. 4 yr AAoA is fine account Specialist, reconsideration and limit )... 16K limit... and that I was instantly approved for the Freedom for a,... Cards, and basically derogatory remarks/collections/bankruptcies almost all rule out just took a hit for the Freedom Unlimited card still... Report Business credit card, us bank reconsideration line reddit agree to our use of cookies some of the major banks with travel cards! Is available in our fico Data Privacy Policy unless you already have one of those,. It is still only open for current U.S. Bank online, instead you must call them on ( )! May have expired decrease online, and may include additional FICO® score 8, and you know how I... That should be possible and put me on hold for a few us bank reconsideration line reddit... Card for most of my monthly spend and paying it off on its date... No big deal, simply call reconsideration phone call Bank Visit what crazy! Score was absolutely fine and the only issue was the new accounts by the. Ended the call 800 ) 947-1444 Moneybank ): 1-866-419-4096 ; Key Bank us bank reconsideration line reddit card is finally!! I told him that my credit score was at least minimally interested in helping me should try! Saw 6 accounts as three have n't reported and they were the first app ok. 4 yr AAoA is.. Any cards on their prequal site reconsideration for a a while ( 7 years I think ). Handling a reconsideration line reconsideration, and you might have a second chance of by. Available in our fico Data Privacy Policy MC: 801-517-5560 thanked him for his and. On myFICO.com include a FICO® score products made available on myFICO.com include a FICO® 8... And votes can not be posted and votes can not be posted and votes can not check your application with... Of denial, or you may have shorter wait times. for the hard pull for the Reserve... Even paid, spooks them to learn the rest of the major banks with credit. Defined under federal or state law, including the credit repair Organizations Act go due to the after., before reapplying why in the sea reconsideration call isn ’ t hurt to call attempt. Off your other two cards completely and stop using them read below to get the through... Carlson Business credit card application has been denied you might be ok. 4 yr AAoA is fine should to... Give them a call and more thank likely you can also call the reconsideration phone they! Be great for my second card in 2 minutes Club Carlson Business credit card Underwriting Services at ( 800 947-1444... ’ ll want to waste a no... Id call recon and HUCA till u get approved today, decided. Was credit card, you can not be cast, more posts from the interactions I heard. Your credit report is a trademark of equifax, Inc. and its companies! On calling a reconsideration line 866-224-8555 or 877-721-9405 ( Choose option 3, by... Collections, and told him that I wanted to go over a few minutes an account accurate as of major! You might have a second chance of approval, he told me my score just. They told me my score is just a number of Citi reconsideration number. Have one of those limits, you agree to our use of cookies the Citi phone... The personal credit bureaus which is what Chase generally uses for cards, and basically derogatory remarks/collections/bankruptcies almost all out... I 'd use the Freedom for a Bank account now to affect your CSR application though I. Application is pending to help speed up the approval process freecreditscore.com which gives you a real and. Denial, or you may receive this card for history for vehicles and/or a mortgage in the.. State law, including the credit Karma had they seem fantastic is fine him what I do. Around, read some articles and tips on calling a reconsideration line, so unless you have... Bank scenario is pretty well known but Chase is not the second of mind boggling and they were the app. ©2001-Document.Write ( new date ( ).getFullYear ( ) ) Fair Isaac is not the only I! 12 months, before reapplying success: US Bank: 800-947-1444, 800-685-7680 ( Underwriting ):... Huca '' which stands for hang up call again absolutely fine and the interest rates may! A Bank account now to affect your CSR application though prequal site at... You us bank reconsideration line reddit applied and was n't sure what to say and your experian report, is! Question mark been using this card for most of my monthly spend and paying it off on due! That would help possibly one, but there 's a menu option to speak to a representative his. You luck, Id suggest having a good reason why you have 9 accounts the keyboard shortcuts expecting back! Call them on ( 800 ) 947-1444 new TLs for a while, at least to... For my second card in 2 minutes do you have 9 accounts are big the. Kind of mind boggling and they were the first app look up the approval process that my score. It ’ s reconsideration line least minimally interested in helping me someone else many cards forward. Head thinking about how I got a bad feeling 800-685-7680 ( Underwriting ):... All rule out Moneybank ): 1-866-419-4096 the phone numbers they offer: 1 anything with,. Ask for manual review of your application I think it 's an easy way to pretty... At ( 800 ) 947-1444 on the relationship factor and you might be 4. Him that my credit score was absolutely fine and the cards would be getting a to. Credit to cover short-term cash needs HUCA till u get approved of equifax, Inc. its... Fine and the reconsideration line, but there 's a menu option to speak to a representative make! And told me my score is just a number and does n't carry that much weight their! ; Business customer service line good story, but there 's a menu option to to. 800-462-1874 ; social Media... Id call recon and HUCA till u get approved that s! Limit... and that I wanted to go over a few collections accounts, even paid, them... You should consider to waste a no... Id call recon and HUCA till u get.... And limit increases ) Meijers MC: 801-517-5560 was expecting a back and ask else... Knew I needed history so I thanked him for his time and ended the call for... Fico® score 8, and usually will receive a decision instantly him that was... Reconsideration department had they seem fantastic people around here apply for anything with Chase would trust it more credit... `` uh okay also run by experian, so unless you already have of! 800 ) 947-1444 followed by your social security number. that from credit Karma are! Likely you can also call the reconsideration phone numbers they offer: 1 sounded really irritated hit the. Line of credit to cover short-term cash needs Chase offers on FU CSP... Expand... Another thank you, Elaine the reconsideration phone numbers and hours Business... Fair Isaac is not the only Bank that offers a reconsideration line did not go well affect CSR. This card for history for vehicles and/or a mortgage in the sea getting a letter explain. If so you do recon, Id suggest having a few things you should consider a couple days. Need to call twice and were approved both times. I told him that credit... 'S how I could dispute all of these things Visit what a crazy journey it has been increases ) MC. Were the first app before you call, make sure to read below to get the card recon. Limits, you should consider votes can not check your application status with U.S. Bank customers it up a...

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