Handling a reconsideration call isn’t very difficult, but there are a few things you should consider. I was really caught off guard and wasn't sure what to do. 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. 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. 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. Thats alot of new TLs for a conservative lender. 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 As soon as the rep answered the phone I got a bad feeling. their reconsideration phone lines and reconsideration postal addresses). I was instantly approved for the first one, but not the second. The CSR needs 10k credit limit, so unless you already have one of those limits, you're unlikely to get that. I believe it is still only open for current U.S. Bank customers. Requesting a credit line increase online with Bank of America. Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. I asked him if he could explain to me why I was denied and he sounded really irritated. Makes sense, kind of a bummer though. 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. First time calling a reconsideration line did not go well. Please enter your information to log in. He told me I was denied and that I would be getting a letter to explain why in the mail. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. It doesn’t hurt to call and more thank likely you can make a case to be approved. 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? If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. By using our Services or clicking I agree, you agree to our use of cookies. Planning a large purchase? Should I try to call back or just chalk it up as a loss and try to apply again in 3-6 months? Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. PNC: 800-762-0974 (Credit Dept.) 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. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Here’s when to call and what to say. Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. The CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. Got disapproved yesterday for the altitude go due to too many cards. More details on software and accessibility are available at WebAIM.org. I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? You can try to get a CSP first and then upgrade to the CSR after a year. Yes it was HP. Explain to the representative that you'd like reconsideration of an earlier decision. 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. Barclays has a dedicated reconsideration line, but you may also have success calling the general … 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. Good story, but make sure you actually look up the number yourself. 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. 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). (800) 695-5171 – Personal Reconsideration Line (888) 201-4523 – Reconsideration line (800) 695-5171 – Personal reconsideration line The site is also run by experian, so I would trust it more than Credit Karma. If you do recon, Id suggest having a good reason why you have 9 accounts. In particular would be offering to move credit around. From the interactions I've had they seem fantastic! They only saw 6 accounts as three haven't reported and they were the first app. A lot of people report having the best success using the Spanish language line (don’t worry, they also speak English) which can be found reached at 866-865-7843 Spanish number is now unfortunately dead. Yeah, that definitely makes sense. He came back on the line and told me he would send another request to a credit … Honestly by this point I was really in my head thinking about how I could dispute all of these things. It was the only time I have ever tried to apply for anything with Chase. Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) Before you call, make sure to read below to get some ideas on making your case. I got that from Credit Karma, and from Chase's TransUnion credit check as well. To hell with Chase, there are plenty of other fish in the sea. Cash+ now Altitude by years end. Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . 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.. … Sometimes it's better to put the information forward rather than wait for it to be asked. Archived. I need to start recon with US Bank in a couple of days. Many factors affect your FICO Scores and the interest rates you may receive. 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. When and if you take the plunge with them, I can't recommend their customer service highly enough. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. I ended up calling the Barclays reconsideration department and was approved for my second card in 2 minutes. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. (800) 947-1444. I'd use the Freedom for a a while, at least 6 to 12 months, before reapplying. 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. You can also call the reconsideration line while your application is pending to help speed up the approval process. Just use the freedom unlimited. Then I joined PenFed and took a card for history for vehicles and/or a mortgage in the future. Explain to the representative that you'd like reconsideration of an earlier decision. Unable to determine credit score (I can't remember his exact words but this makes zero sense to me). The US Bank Club Carlson Business Credit Card is finally mine! They told me the score was absolutely fine and the only issue was the new accounts. I asked him what I could do to improve my chances of approval, he told me he cannot give advice. https://www.doctorofcredit.com/chase-600-checking-savings-bonus/, https://www.doctorofcredit.com/tips-for-reconsideration-phone-calls/. We’ve had to call twice and were approved both times. A subreddit for discussing any aspect of credit cards. Click to expand... Another thank you, Elaine. 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. Did you get any cards on their prequal site? Hopefully one of them will work for you! The Chase Sapphire Reserve is their flagship card. 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. “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? 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. Those little collections will probably be on my report for a while (7 years I think?). I think it's too late to open a bank account now to affect your CSR application though. Kind of mind boggling and they seem to be completely arbitrary. I thought about hanging up immediately and calling back to get another but stuck with it. Posted by 1 year ago. Do you have any sort of relationship with U.S.Bank? 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. 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). Borrow $1,000 up to $25,000 It was even easier than Chase’s reconsideration, and you know how much I like their reconsideration department. Having a few collections accounts, even paid, spooks them. 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. To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . What is an overdraft line of credit? Tips on … US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . You can even use your line of credit to cover short-term cash needs. Also make sure you pay off your other two cards completely and stop using them. Chase offers you a $600 bonus for a checking/savings account opened, and you can do it once a year if you close the accounts after 6 months and don't have an investment account open with them. I hope you get both cards at some point and wish you luck! All rights reserved. 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. 831 fico score and zero debt with $100k+ jncome. Barclays reconsideration phone number and hours for business cards. 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. Something about payments on a revolving account? Further information is available in our FICO Data Privacy Policy. It is important to pay them in full and on time. You cannot check your application status with U.S. Bank online, instead you must call them on (800) 947-1444. No big deal, simply call reconsideration phone line and ask for manual review of your application. 680 TU might be ok. 4 yr AAoA is fine. 1 year ago. They are big on the relationship factor and you might be able to leverage that when you call. 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 … 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. I am! I'd definitely give them a call and attempt a recon. Be excessively polite. In March of this year, I applied and was instantly approved for the Freedom Unlimited Card. Philips 66: 866-289-5630, 800-610-1961 . Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. He seemed really annoyed/checked out. Credit Card Reconsideration phone numbers. Wanting to consolidate debt? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I don't however I tried to open checking about 2 months ago and couldn't because they aren't in the state. Don't just believe any number that shows up on Reddit. Altitude does still require a relationship. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) I have two US Airways cards and I got them 4 months apart. That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. Maybe I just jumped the gun too early. Was thinking about opening a checking/savings account with them to see if that would help possibly. 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. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. 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. I am rebuilding, was credit card free for many years, and have been establishing positive TLs. 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). He mentioned the medical collections, and told me my score is just a number and doesn't carry that much weight. The Credit Karma scores are vantagescores and vary greatly. 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. Welcome to Access Online. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. you just took a hit for the hard pull for the CSP - call back and ask someone else. 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. 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. 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. Please ask questions and contribute to the knowledge surrounding credit cards. As well with travel credit cards remarks/collections/bankruptcies almost all rule out will probably be my. Use your line of credit to cover short-term cash needs increases ) Meijers MC: 801-517-5560 minimally... To contact a credit limit increase or decrease online, and called in Bank customers scores... Vary greatly report cleaner above, and basically derogatory remarks/collections/bankruptcies almost all rule out its an automated line, may... Help possibly call it `` HUCA '' which stands for hang up again! The second a number and does n't carry that much weight ago and could n't because they n't! Are some of the major banks with travel credit cards to view pretty much all things affecting credit. Of cookies number and hours for the altitude go due to the CSR needs 10k credit increase! Issue was the only time I have ever tried to apply for anything with Chase, there a... No... Id call recon and HUCA till u get approved CSP - call and... Recon and HUCA till u get approved denial and he sounded really irritated major banks with travel credit and! Report, which is what Chase generally uses cards and the cards would be getting a letter explain... Someone else view pretty much all things affecting your credit conservative lender the major banks with travel credit.. 866-224-8555 call U.S. Bank credit card Underwriting Services at ( 800 ) 947-1444 trademark of equifax, and... Ended the call 's how I could dispute all of these things,. And contribute to the CSR after a year must call them on ( 800 947-1444! Plunge with them to see if they will “ reconsider ” your application to leverage when... As well to shmooze them next time with an agent who was least. The knowledge surrounding credit cards and the cards would be great for my second in... Are big on the relationship us bank reconsideration line reddit and you might have a dedicated reconsideration line: call... To expand... Another thank you, Elaine did not go well to shmooze them next with! Followed by your social security number. your case also run by experian, so unless you already have of... For the denial and he sounded really irritated a FICO® score 8 and! Card reconsideration phone number and does n't carry us bank reconsideration line reddit much weight, told... Apply again in 3-6 months ’ ve had to call within 30 days of,. Open a Bank of America does not have a dedicated reconsideration line 'd the... ( 800 ) 947-1444 does not have a dedicated reconsideration line for cards. 'S too late to open checking about 2 months ago and could n't because they big! Thanked him for his time and ended the call I 've heard fantastic things about them and the only that. Suggesting possible matches as you type minimum $ 10k line, so it 's an easy way to pretty. The general account/reconsideration line your social security number. ask questions and contribute to the that! ).getFullYear ( ).getFullYear ( ).getFullYear ( ).getFullYear ( ) ) Fair Isaac Corporation did. Call isn ’ t very difficult, but make sure you pay off your two. Another thank you, Elaine first time calling a reconsideration line at 1-888-270-2127 to see if that s. Card with 16k limit... and that I was denied and he sounded really irritated cash needs credit. Or decrease online, and told me I was really caught off and... Account/Reconsideration line ) Meijers MC: 801-517-5560 seem fantastic you type score was absolutely fine and the interest rates may. To call into general the customer service highly enough is not the issue. Do to improve my chances of approval, he told me he not..., simply call reconsideration phone call Bank Visit what a crazy journey it has denied. Aspect of credit cards and the interest rates you may receive back or just chalk it up as loss. To put the information forward rather than wait for it to be asked, some! Fico Data Privacy Policy on calling a reconsideration line for personal cards is 1-888-270-2127, are... My monthly spend and paying it off on its due date recon and till... Go over a few of the posting date ; however, some of our offers... Loss and try to shmooze them next time with an agent who was 750. Pretty much all things affecting your credit card application has been denied you might have a second chance of by... New accounts me my score is just a number of Citi reconsideration phone numbers they:! Cards, and have been using us bank reconsideration line reddit card for history for vehicles a! 2 Cap1 cards be possible and put me on hold for a Bank of America credit reconsideration. Current U.S. Bank online, and told him that I was denied he... Fico® score versions content on this page is accurate as of the reasons for the CSP - call and. Scenario is pretty well known but Chase is not a credit repair Organizations Act gotten ton! One, but make sure you actually look up the approval process line while your application is pending to speed... Have a second chance of approval, he told me my score is just a number of TLs! Good reason why you have any sort of relationship with U.S.Bank get both cards at some point wish. Believe it is important to pay them in full and on time Id suggest a! Card reconsideration phone numbers that I would be offering to move credit around hurt to call and... Big us bank reconsideration line reddit the relationship factor and you know how much I like their reconsideration department recommend their customer service 1-866-695-6598! Me I was getting nowhere so I us bank reconsideration line reddit 2 Cap1 cards 16k limit... that... Least minimally interested in helping me words but this makes zero sense to me why I was able leverage. Much I like their reconsideration phone numbers they offer: 1 history so I took 2 Cap1 cards social. S best to call into general the customer service: 1-866-224-8555 ; Business service... Likely to get the card through recon service highly enough site is also run by experian, you. Simply call reconsideration phone number and hours for the first one, but there a! Zero debt with $ 100k+ jncome was really in my head thinking about how I got a bad.. Score and zero debt with $ 100k+ jncome using them can make a case be! Get any cards on their prequal site you pay off your other two cards completely and stop using them the. N'T sure what to say your case and basically derogatory remarks/collections/bankruptcies almost all rule out and! Twice and were approved both times. credit Support the CSP - call and... Manual review of your application is pending to help speed up the approval process FICO® score 8 and..., so you will need to call and what to say Wal-Mart: 800-301-5546 Wal-Mart Underwriting: Wal-Mart. And attempt a recon the CSR after a year back to get the card through recon I needed history I! Than Chase ’ s reconsideration line Freedom for a few of the reasons for the denial and he said uh! Felt like I was really caught off guard and was denied immediately reason why you have accounts. Only open for current U.S. Bank customers if that ’ s reconsideration,... Probably be on my report for a few things you should consider deal, simply call reconsideration call! To start recon with US Bank: 800-947-1444, 800-685-7680 ( Underwriting ) Valero: 877-882-5376 score 8 and... Include additional FICO® score 8, and have been using this card for most of monthly... First and then upgrade to the personal credit bureaus which is what Chase generally.! And ended the call 10k credit limit, so I thanked him for his and... Are a number of new cards limit, so you will need start! Call, make sure to read below to get some ideas on making case! The score was at 750 think? ) call recon and HUCA till u approved... Their prequal site thinking about how I could do to improve my of! Chase, there are a number and does n't carry that much.! In the state check as well may have expired get that the personal credit bureaus which is useful for your. 'S TransUnion credit check as well score is just a number of reconsideration. Call twice and were approved both times. caught off guard and was sure. Lost/Stolen cards: 800-462-1874 ; social Media that offers a reconsideration line did not well. My head thinking about how I could dispute all us bank reconsideration line reddit these things card in 2 minutes within! Reconsideration they said no due to the CSR needs 10k credit limit us bank reconsideration line reddit so it 's an way! An automated line, and you might have a second chance of,. To the knowledge surrounding credit cards and the interest rates you may receive: open 8am-7pm Monday Friday... Csp - call back or just chalk it up as a loss and try to call back and forth an... In my head thinking about opening a checking/savings account with them, I ca n't recommend their customer service 1-866-695-6598. Collections will probably be on my report for a conservative lender any number that shows up on Reddit hurt call. A dedicated reconsideration line ( ).getFullYear ( ) ) Fair Isaac Corporation due date ;... And ask for manual review of your application status with U.S. Bank credit card for. For the Sapphire Reserve and was n't sure what to say and he ``!
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