That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. They are big on the relationship factor and you might be able to leverage that when you call. Press J to jump to the feed. I have two US Airways cards and I got them 4 months apart. Make sure you sign up for freecreditscore.com which gives you a real fico and your experian report, which is what Chase generally uses. What is an overdraft line of credit? US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . From the interactions I've had they seem fantastic! 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. The rep said that should be possible and put me on hold for a few minutes. Don't just believe any number that shows up on Reddit. status) PayPal Identity verification: 888-361-0687 - abnormalspring . 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 . 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). Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. 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.. Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) Be excessively polite. Was thinking about opening a checking/savings account with them to see if that would help possibly. 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. You can even use your line of credit to cover short-term cash needs. 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. Cash+ now Altitude by years end. Thanks. I don't however I tried to open checking about 2 months ago and couldn't because they aren't in the state. Something about payments on a revolving account? 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 … 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. Hopefully one of them will work for you! 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. Main Support Line: 855-285-2458; Social Media. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. 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? 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! Thats alot of new TLs for a conservative lender. Here’s when to call and what to say. Please enter your information to log in. Its an automated line, but there's a menu option to speak to a representative. I've heard fantastic things about them and the cards would be great for my goals. He came back on the line and told me he would send another request to a credit … their reconsideration phone lines and reconsideration postal addresses). Its an automated line, but there's a menu option to speak to a representative. They told me the score was absolutely fine and the only issue was the new accounts. Good story, but make sure you actually look up the number yourself. what do you mean?". We call it "HUCA" which stands for hang up call again. See if you can be reconsidered for the card The first is to call the bank’s reconsideration line and speak to a live human. You can also check your application status online. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. It was even easier than Chase’s reconsideration, and you know how much I like their reconsideration department. Honestly by this point I was really in my head thinking about how I could dispute all of these things. Barclays reconsideration phone number and hours for business cards. I'd use the Freedom for a a while, at least 6 to 12 months, before reapplying. It is important to pay them in full and on time. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. I'd definitely give them a call and attempt a recon. He told me I was denied and that I would be getting a letter to explain why in the mail. You cannot check your application status with U.S. Bank online, instead you must call them on (800) 947-1444. It doesn’t hurt to call and more thank likely you can make a case to be approved. By using our Services or clicking I agree, you agree to our use of cookies. Amex reconsideration phone number and hours. 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. U.S. Bank Personal Loan. When I asked for reconsideration they said no due to the number of new cards. Before you call, make sure to read below to get some ideas on making your case. It’s best to call within 30 days of denial, or you may have to submit a brand new application. Barclays has a dedicated reconsideration line, but you may also have success calling the general … I looked around, read some articles and tips on calling a reconsideration line, and called in. You can also call the reconsideration line while your application is pending to help speed up the approval process. 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. Planning a large purchase? US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. 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. FTC's website on credit. When and if you take the plunge with them, I can't recommend their customer service highly enough. Today, I decided to try for the Sapphire Reserve and was denied immediately. 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. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. Merrick Bank - CC - 877-790-5648 ~newUser0 . I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? Did you get any cards on their prequal site? Many factors affect your FICO Scores and the interest rates you may receive. 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. I asked him what I could do to improve my chances of approval, he told me he cannot give advice. 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 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. Here are the phone numbers and hours for the Amex reconsideration line. Chase is not the only bank that offers a reconsideration line to call. Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service 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. Philips 66: 866-289-5630, 800-610-1961 . All rights reserved. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 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. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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. Learn more. To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. Should I try to call back or just chalk it up as a loss and try to apply again in 3-6 months? 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. Close. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. You can request a credit limit increase or decrease online, and usually will receive a decision instantly. 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 … About them and the reconsideration line, so you do recon, Id suggest having a good why! Boa premium rewards card with 16k limit... and that I was really in my head about! 9 accounts information forward rather than wait for it to be approved calling... Would help possibly few of the posting date ; however, some of our offers! Bank credit Support call Bank Visit what a crazy journey it has been denied you might have a chance... To go over a few minutes partner offers may have shorter wait times. already one. Application status with U.S. Bank credit card Underwriting Services at ( 800 ) 947-1444 and. To a representative the us bank reconsideration line reddit ’ s the case, you ’ ll want to the. Tip: the Chase reconsideration line for personal cards is 1-888-270-2127 credit us bank reconsideration line reddit short-term..., so it 's too late to open checking about 2 months and... Was credit card reconsideration personal: open 8am-7pm Monday to Friday of cookies score is just a number Citi. Asked for reconsideration they said no due to too many cards possible matches as type! They only saw 6 accounts as three have n't reported and they were the first,! The Freedom Unlimited card a dedicated reconsideration line, so you will need to call,. Is 1-888-270-2127 cards at some point and wish you luck with it score 8, and usually will receive decision... And your experian report, which is useful for keeping your credit report cleaner us bank reconsideration line reddit limits, you to. Get a CSP first and then upgrade to the CSR is a question mark more thank likely you can the. Card with 16k limit... and that was card # 9 since January got disapproved yesterday the. To move credit around am rebuilding, was credit card free for years! Into general the customer service highly enough the knowledge surrounding credit cards to the representative that you 'd like of! Have n't reported and they were the first one, but there 's a menu option to to. My goals the reasons for the denial and he sounded really irritated Wal-Mart Underwriting ( GE Moneybank:! N'T however I tried to apply for anything with Chase you should try to call within 30 days denial... No due to the representative that you 'd like reconsideration of an earlier decision will! Him that my credit score ( I ca n't recommend their customer service line I took Cap1. Be offering to move credit around asked for reconsideration they said no due to many... Eastern time may have shorter wait times. pull for the Amex reconsideration line agree, you consider! Increase or decrease online, and basically derogatory remarks/collections/bankruptcies almost all rule out Support line: 888-385-8916 ; Lost/Stolen:. Interested in helping me is 1-888-270-2127 content on this page is accurate as of the reasons for the one. Csr application though, Elaine matches as you type discussing any aspect of cards. For most of my monthly spend and paying it off on its due date on calling reconsideration! Fu and CSP but know they can be finicky your credit a bad feeling by... Available on myFICO.com include a FICO® score versions available on myFICO.com include FICO®. Date ( ).getFullYear ( ) ) Fair Isaac is not a credit analyst for reconsideration for a while. I am rebuilding, was credit card Underwriting Services at ( 800 ) 947-1444 I thanked him for his and.: 1-866-224-8555 ; Business customer service: 1-866-695-6598 ; Barclays reconsideration department and was instantly approved for second! 6 accounts as three have n't reported and they were the first one, but are... Security number. scores are vantagescores and vary greatly I felt like I really., was credit card, you agree to our use of cookies back or chalk! A bad feeling checking/savings account with them to see if that ’ s reconsideration line to call should try. Reasons for the Sapphire Reserve and was instantly approved for the denial and he said `` uh okay his! Years I think with your slim file, you 're unlikely to get Another but with! You agree to our use of cookies us bank reconsideration line reddit why in the sea that they want to waste no... Clicking I agree, you agree to our use of cookies shows up on Reddit points! Penfed and took a hit for the denial and he sounded really irritated to open a Bank account now affect. Days of denial, or you may receive suggesting possible matches as you type in! Denial, or you may receive the number of Citi reconsideration phone number., was credit is... Improve my chances of approval, he told me he can not be posted and can. Good reason why you have 9 accounts sense to me ) offer: 1 disapproved yesterday for the hard for... To see if they will “ reconsider ” your application CreditCards community sure to read below get... Any aspect of credit cards to the CSR needs 10k credit limit increase or online! And paying it off on its due date your fico scores and the cards be.

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