{"id":105367,"date":"2024-05-31T14:00:55","date_gmt":"2024-05-31T14:00:55","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=105367"},"modified":"2026-04-08T13:57:52","modified_gmt":"2026-04-08T13:57:52","slug":"reconsideration-call","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/","title":{"rendered":"What Is a Credit Card Reconsideration Call and When Should You Consider Doing It?"},"content":{"rendered":"<p>Rejection is a part of life. This certainly applies to credit cards. Sometimes, even with a stellar credit score, a bank won't approve you for a new card. The reasons for denial can vary, but the good news is that you have a second shot by calling the credit card reconsideration department.<\/p>\n<p>Many people don't know that the initial rejection isn't necessarily the end of the road for a credit card application. Even if initially denied, you may be able to convince a bank to approve you for a new card. A call to the credit card reconsideration line at least gives you a shot.<\/p>\n<p>Approval is not guaranteed; in some cases, though, you can overturn the bank's original decision. In this post, we'll walk through how credit card reconsideration works, how to prepare for a reconsideration call, and provide some tips to (hopefully) get your application approved.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Credit_Card_Reconsideration_A_Second_Chance\">Credit Card Reconsideration: A Second Chance<\/a><\/li><li><a href=\"#How_To_Get_Your_Credit_Card_Application_Reconsidered\">How To Get Your Credit Card Application Reconsidered<\/a><ul><li><a href=\"#Understand_the_reasons_for_denial\">Understand the reasons for denial<\/a><\/li><li><a href=\"#Preparing_for_your_credit_card_reconsideration_call\">Preparing for your credit card reconsideration call<\/a><\/li><li><a href=\"#Reconsideration_lines_for_major_card_issuers\">Reconsideration lines for major card issuers<\/a><\/li><li><a href=\"#Tips_for_getting_your_application_reconsidered\">Tips for getting your application reconsidered<\/a><\/li><\/ul><\/li><li><a href=\"#What_If_Credit_Card_Reconsideration_Doesn8217t_Work\">What If Credit Card Reconsideration Doesn't Work?<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><li><a href=\"#FAQ\">FAQ<\/a><ul><li><a href=\"#Is_there_an_Amex_reconsideration_line\">Is there an Amex reconsideration line?<\/a><\/li><li><a href=\"#What_is_the_Chase_reconsideration_line_phone_number\">What is the Chase reconsideration line phone number?<\/a><\/li><\/ul><\/li><\/ul><\/div>\n\n<h2><span id=\"Credit_Card_Reconsideration_A_Second_Chance\">Credit Card Reconsideration: A Second Chance<\/span><\/h2>\n<p>Rather than having a human review your information, complex computer algorithms generally get a first look at your credit card application. Banks consider many factors when evaluating a new card application, including (but not limited to) your:<\/p>\n<ul>\n<li>Credit score<\/li>\n<li>Credit history<\/li>\n<li>Income<\/li>\n<li>Amount of existing credit<\/li>\n<li>Number of recent applications<\/li>\n<\/ul>\n<figure id=\"attachment_109738\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-109738 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/hassan-ouajbir-unsplash-phone-call-featured.jpg\" alt=\"a man talks on a phone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/hassan-ouajbir-unsplash-phone-call-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/hassan-ouajbir-unsplash-phone-call-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/hassan-ouajbir-unsplash-phone-call-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/hassan-ouajbir-unsplash-phone-call-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Hassan Ouajibir\/Unsplash<\/em><\/enter><\/figure>\n<p>The bank has to decide whether extending credit to you is a risk it's willing to take. Sometimes, this automated process makes a mistake, denying an otherwise creditworthy applicant. If this is you, this is where credit card reconsideration comes in.<\/p>\n<p>Most banks have a dedicated credit card reconsideration line that you can call to talk to someone about your denied card application. This phone call will allow you to discuss your application with a human representative.<\/p>\n<p>Sure, many people don't like talking on the phone \u2014 especially to a bank representative who may scrutinize their application. However, given the value of many <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-offers\/\" rel=\"noopener\">new card sign-up bonus offers<\/a>, calling the credit card reconsideration line could be well worth the time and hassle.<\/p>\n<p>You've already been told &#8220;no&#8221; once. The worst the bank can do is stick by its original decision. Calling the reconsideration line has virtually no downside.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/tips-managing-credit-score\/\" rel=\"noopener\">Tips for Managing Your Credit Score<\/a><\/strong><\/p>\n<h2><span id=\"How_To_Get_Your_Credit_Card_Application_Reconsidered\">How To Get Your Credit Card Application Reconsidered<\/span><\/h2>\n<p>When you apply for a new card, you typically get one of three responses:<\/p>\n<ol>\n<li>Immediate approval.<\/li>\n<li>Immediate denial.<\/li>\n<li>A version of &#8220;We'll review further your application and get back to you.&#8221;<\/li>\n<\/ol>\n<p>Assuming the bank doesn't approve you, you'll want to call reconsideration after denial \u2014 but not right away. Wait for the denial letter to arrive in the mail so you can understand why the bank didn't approve you. But you shouldn't delay too long. You typically have a 30-day window during which an issuer will review your application without performing another &#8220;hard&#8221; credit pull.<\/p>\n<h3><span id=\"Understand_the_reasons_for_denial\">Understand the reasons for denial<\/span><\/h3>\n<p>Regardless of whether you were denied immediately or after the bank took some time to decide, the issuer will send you a letter explaining why. The <a target=\"_blank\" href=\"https:\/\/www.ftc.gov\/legal-library\/browse\/statutes\/credit-card-accountability-responsibility-disclosure-act-2009-credit-card-act\" rel=\"noopener\">CARD Act of 2009<\/a> requires issuers to explain why they didn't approve you for a new card. These reasons can include:<\/p>\n<ul>\n<li>Recently opening too many new accounts<\/li>\n<li>Limited credit history<\/li>\n<li>Low credit score<\/li>\n<li>Insufficient income<\/li>\n<li>Existing debts<\/li>\n<li>The bank has already extended too much credit to you (in its determination)<\/li>\n<\/ul>\n<p>Once you receive the letter, review the reasons for denial to understand why the bank didn't approve you. Some are more difficult to overcome than others. For instance, if your credit score is on the low side of the <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">range generally needed for a specific card<\/a>, convincing the bank to approve you may be challenging. But there are other situations where reconsideration may be relatively straightforward.<\/p>\n<figure id=\"attachment_156534\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-156534 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Laura-Chouette-Unsplash-girl-with-smartphone-on-bed-featured.png\" alt=\"a college student sits on a bed reading information on a smartphone\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Laura-Chouette-Unsplash-girl-with-smartphone-on-bed-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Laura-Chouette-Unsplash-girl-with-smartphone-on-bed-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Laura-Chouette-Unsplash-girl-with-smartphone-on-bed-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Laura-Chouette-Unsplash-girl-with-smartphone-on-bed-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Laura Chouette\/Unsplash<\/em><\/enter><\/figure>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/how-is-credit-score-calculated\/\" rel=\"noopener\">A Beginner\u2019s Guide To Building Healthy Credit<\/a><\/strong><\/p>\n<p>For example, I was once unexpectedly denied a new Chase card despite being <a target=\"_blank\" href=\"\/credit-cards\/chase-5-24-rule\/\" rel=\"noopener\">under 5\/24<\/a>. Chase reasoned that it had already extended enough credit to me. After receiving the letter and realizing this was the only issue, I called to ask Chase to reduce the available credit on my other card accounts. Voila! Chase approved my new card without extending any new credit to me.<\/p>\n<p>Another situation where you may need to argue your case is when you've been added as an <a target=\"_blank\" href=\"\/credit-cards\/do-authorized-users-build-credit\/\" rel=\"noopener\">authorized user<\/a> on someone else's card. Sometimes, the automated application review algorithm treats this as having opened your own account.<\/p>\n<p>This issue comes into play when you consider Chase's <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application rules and restrictions<\/a>, like 5\/24, where total recent new accounts inform the bank's decision. In this case, you may need to call Chase and prove that this isn't your account.<\/p>\n<h3><span id=\"Preparing_for_your_credit_card_reconsideration_call\">Preparing for your credit card reconsideration call<\/span><\/h3>\n<p>The purpose of calling the credit card reconsideration department is to argue your case to an actual human. You should prepare what you're going to say. Sometimes, the call is easy. There have been cases where all the bank needed to do was confirm that you personally submitted the application, but expect it to be more involved than this.<\/p>\n<p>If you don't handle phone conversations well, you'll want to rehearse what you'll say. Here's an example opening script:<\/p>\n<blockquote><p><em>&#8220;Hi, my name is [state your full name], and I recently applied for the [name of credit card] on [application date]. However, I received a letter on [date you got the letter] saying that I wasn't approved. Could I speak with someone to discuss why my application was denied?&#8221;<\/em><\/p><\/blockquote>\n<p>You may be asked various questions about your application. Be polite, but be ready to argue your case well. And once you're ready for the conversation, give the credit card reconsideration line a call.<\/p>\n<figure id=\"attachment_162993\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-162993 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured.jpg\" alt=\"woman talking on phone in back seat of car while holding a laptop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Tima-Miroshnichenko-Pexels-woman-on-phone-in-car-with-laptop-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tima Miroshnichenko\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"Reconsideration_lines_for_major_card_issuers\">Reconsideration lines for major card issuers<\/span><\/h3>\n<p>Sometimes, the bank will provide the reconsideration line phone number in your rejection letter. But if it's not included, or you don't have that immediately available, there are direct lines to most banks' credit card reconsideration departments. Note that they typically have daytime business hours and aren't available 24\/7, as with regular bank services.<\/p>\n\n<table id=\"tablepress-469\" class=\"tablepress tablepress-id-469 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Issuer<\/th><th class=\"column-2\">Card Type<\/th><th class=\"column-3\">Phone Number<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">American Express<\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">800-567-1083<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">American Express<\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">800-567-1085<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Bank of America<\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">866-224-8555<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Bank of America<\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">866-695-6598<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">Barclays<\/td><td class=\"column-2\">-<\/td><td class=\"column-3\">866-408-4064<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">Capital One<\/td><td class=\"column-2\">-<\/td><td class=\"column-3\">800-903-9177<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">Chase<\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">888-270-2127<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">Chase<\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">800-453-9719<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\">Citi<\/td><td class=\"column-2\">Personal<\/td><td class=\"column-3\">800-695-5171<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\">Citi<\/td><td class=\"column-2\">Business<\/td><td class=\"column-3\">800-763-9795<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\">Discover<\/td><td class=\"column-2\">-<\/td><td class=\"column-3\">800-347-2683<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\">U.S. Bank<\/td><td class=\"column-2\">-<\/td><td class=\"column-3\">800-947-1444<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\">Wells Fargo<\/td><td class=\"column-2\">-<\/td><td class=\"column-3\">866-412-5956<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3><span id=\"Tips_for_getting_your_application_reconsidered\">Tips for getting your application reconsidered<\/span><\/h3>\n<p>Here are several tips for calling the credit card reconsideration line:<\/p>\n<ul>\n<li><strong>First and foremost, be polite.<\/strong> No one wants to talk to an upset person. While not being approved for a new card may be frustrating, the decision is ultimately up to the bank and its representatives. You need to convince them to approve this application. The agent you speak to is another human, not a computer algorithm. Be polite and kind.<\/li>\n<li><strong>Answer questions honestly.<\/strong> This should go without saying. Whether you get questions about your income, new card accounts, or why you want a new card, tell the phone rep the truth. If you've made an honest mistake on your card application (e.g., stating your annual income as $6,000 instead of $60,000), this may reveal itself during the conversation.<\/li>\n<li><strong>Review your credit report before the call.<\/strong> Once you understand the reasons for denial, ensure they stack up against your credit report. If the bank says your debt utilization ratio is too high, maybe a recent large payment hasn't yet hit your credit report. This gives you something concrete to discuss with the representative. If there are errors on your credit report, you should fix those before calling (e.g., an account saying it was paid late, yet it wasn't).<\/li>\n<li><strong>Know how you want to plead your case.<\/strong> This ties into preparing for your reconsideration call. If you were denied for having too many new accounts, but two of them are authorized user accounts, be ready to explain this clearly.<\/li>\n<li><strong>Be creative with solutions.<\/strong> Whether reducing existing credit lines, closing a different card, or something else, be willing to work with the bank. This may help your case immensely.<\/li>\n<\/ul>\n<h2><span id=\"What_If_Credit_Card_Reconsideration_Doesn8217t_Work\">What If Credit Card Reconsideration Doesn't Work?<\/span><\/h2>\n<p>Keep in mind that <strong>calling credit card reconsideration doesn't guarantee approval<\/strong>. This is especially true in cases where issuers have their own rules for new card approvals, such as Chase's 5\/24 rule or <a target=\"_blank\" href=\"\/credit-cards\/bank-america-234-policy\/\" rel=\"noopener\">Bank of America's 2\/3\/4 rule<\/a>. Issuers typically do not budge on these.<\/p>\n<p>If you really want a specific card and the bank won't budge, there may be other avenues to getting it. This may be less desirable, especially when you want a card with a lucrative sign-up bonus, but it remains an option.<\/p>\n<p>For example, I'd like to eventually get the <a data-ccid=\"2061159\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-sapphire-preferred\/\">Chase Sapphire Preferred<sup>\u00ae<\/sup> Card<\/a>. In the event Chase doesn't approve me, I could upgrade my <a data-ccid=\"340034\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-credit-card\/\">Chase Freedom<sup>\u00ae<\/sup><\/a> card to the Sapphire Preferred. Be sure to ask about the terms before you upgrade, though, as the bank likely won't extend a welcome offer for product changes.<\/p>\n<p>If you were denied for having too many new accounts, the only realistic solution may be to wait. Yes, you will miss the opportunity to get a new card now, but you may be approved on the next try.<\/p>\n<figure id=\"attachment_162150\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-162150 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Joyce-Busola-Unsplash-woman-on-phone-featured.jpg\" alt=\"a woman sitting at a computer while making a phone call\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Joyce-Busola-Unsplash-woman-on-phone-featured.jpg 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Joyce-Busola-Unsplash-woman-on-phone-featured-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Joyce-Busola-Unsplash-woman-on-phone-featured-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/Joyce-Busola-Unsplash-woman-on-phone-featured-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Joyce Busola\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>It's always disappointing to be rejected for a new credit card. However, you should know that you can call the credit card reconsideration line if you're not granted a new line of credit. Read your denial letter, see if you have a good case to make, and give it a shot. Approval isn't guaranteed, but at least you can get a second chance.<\/p>\n<p>Even if the bank doesn't change its mind, don't be discouraged. I've been rejected many times for new cards. It's part of the process. Maybe you didn't get the card you wanted, but it's possible there exists another great credit card that will meet your needs \u2014 one you might get approved for if the first option didn't work.<\/p>\n\t\t<div class=\"wp-faq-schema-wrap wp-faq-schema-accordion\">\n\t\t\t\t\t\t\t<h2><span id=\"FAQ\">FAQ<\/span><\/h2>\n\t\t\t\t\t\t<div class=\"wp-faq-schema-items\">\n\t\t\t\t\t\t\t\t\t<h3><span id=\"Is_there_an_Amex_reconsideration_line\">Is there an Amex reconsideration line?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>Yes, you can call the Amex reconsideration line for personal cards at 800-567-1083 and the reconsideration line for business cards at 800-567-1085.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<h3><span id=\"What_is_the_Chase_reconsideration_line_phone_number\">What is the Chase reconsideration line phone number?<\/span><\/h3>\n\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t<p>You can reach Chase reconsideration reps at 888-270-2127 (personal cards) or 800-453-9719 (business cards).<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>Sometimes, even with a stellar credit score, a bank doesn&#8217;t approve you for a new card. The good news is that you have a second shot at approval by calling the credit card reconsideration department. In this post, we cover how reconsideration works, how to prepare for your call, and some tips for approval.<\/p>\n","protected":false},"author":51,"featured_media":166542,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12519],"coauthors":[36394,36432],"class_list":["post-105367","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-application-strategy"],"acf":[],"yoast_head":"<title>Credit Card Reconsideration: How and Why to Call<\/title>\n<meta name=\"description\" content=\"Card application denied? You may still have a chance to change the bank&#039;s mind by calling the credit card reconsideration line. Here&#039;s how.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Credit Card Reconsideration Call and When Should You Consider Doing It?\" \/>\n<meta property=\"og:description\" content=\"Card application denied? You may still have a chance to change the bank&#039;s mind by calling the credit card reconsideration line. Here&#039;s how.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/\" \/>\n<meta property=\"og:site_name\" content=\"AwardWallet Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AwardWallet\/\" \/>\n<meta property=\"article:author\" content=\"http:\/\/facebook.com\/FamilyFlysFree\" \/>\n<meta property=\"article:published_time\" content=\"2024-05-31T14:00:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-08T13:57:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ian Snyder, Tyler Glatt\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FamilyFlysFree\" \/>\n<meta name=\"twitter:site\" content=\"@AwardWallet\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ian Snyder, Tyler Glatt\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/\"},\"author\":{\"name\":\"Ian Snyder\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/81cda06c98071e0d596d1bbc586b7e80\"},\"headline\":\"What Is a Credit Card Reconsideration Call and When Should You Consider Doing It?\",\"datePublished\":\"2024-05-31T14:00:55+00:00\",\"dateModified\":\"2026-04-08T13:57:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/\"},\"wordCount\":1697,\"commentCount\":1,\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png\",\"keywords\":[\"Application Strategy\"],\"articleSection\":[\"Credit Cards\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/\",\"url\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/\",\"name\":\"Credit Card Reconsideration: How and Why to Call\",\"isPartOf\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png\",\"datePublished\":\"2024-05-31T14:00:55+00:00\",\"dateModified\":\"2026-04-08T13:57:52+00:00\",\"description\":\"Card application denied? You may still have a chance to change the bank's mind by calling the credit card reconsideration line. Here's how.\",\"breadcrumb\":{\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png\",\"width\":1000,\"height\":800,\"caption\":\"Credit: Bruce Mars\/Unsplash\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/awardwallet.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Is a Credit Card Reconsideration Call and When Should You Consider Doing It?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#website\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"name\":\"AwardWallet\",\"description\":\"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!\",\"publisher\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/awardwallet.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#organization\",\"name\":\"AwardWallet\",\"url\":\"https:\/\/awardwallet.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"contentUrl\":\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png\",\"width\":5000,\"height\":601,\"caption\":\"AwardWallet\"},\"image\":{\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/AwardWallet\/\",\"https:\/\/x.com\/AwardWallet\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/81cda06c98071e0d596d1bbc586b7e80\",\"name\":\"Ian Snyder\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/cf2b6bbdc3a70f4421fc820b0fe4e4a4\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ac41058dd14132837fe9ab327cc5d8f9b5d4929bef1c0f5e856adb6db74721de?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ac41058dd14132837fe9ab327cc5d8f9b5d4929bef1c0f5e856adb6db74721de?s=96&d=mm&r=g\",\"caption\":\"Ian Snyder\"},\"sameAs\":[\"http:\/\/facebook.com\/FamilyFlysFree\",\"http:\/\/instagram.com\/FamilyFlysFree\",\"https:\/\/x.com\/FamilyFlysFree\"],\"url\":\"https:\/\/awardwallet.com\/blog\/author\/ian-snyder\/\"}]}<\/script>","yoast_head_json":{"title":"Credit Card Reconsideration: How and Why to Call","description":"Card application denied? You may still have a chance to change the bank's mind by calling the credit card reconsideration line. Here's how.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/","og_locale":"en_US","og_type":"article","og_title":"What Is a Credit Card Reconsideration Call and When Should You Consider Doing It?","og_description":"Card application denied? You may still have a chance to change the bank's mind by calling the credit card reconsideration line. Here's how.","og_url":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/","og_site_name":"AwardWallet Blog","article_publisher":"https:\/\/www.facebook.com\/AwardWallet\/","article_author":"http:\/\/facebook.com\/FamilyFlysFree","article_published_time":"2024-05-31T14:00:55+00:00","article_modified_time":"2026-04-08T13:57:52+00:00","og_image":[{"width":1000,"height":800,"url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png","type":"image\/png"}],"author":"Ian Snyder, Tyler Glatt","twitter_card":"summary_large_image","twitter_creator":"@FamilyFlysFree","twitter_site":"@AwardWallet","twitter_misc":{"Written by":"Ian Snyder, Tyler Glatt","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#article","isPartOf":{"@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/"},"author":{"name":"Ian Snyder","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/81cda06c98071e0d596d1bbc586b7e80"},"headline":"What Is a Credit Card Reconsideration Call and When Should You Consider Doing It?","datePublished":"2024-05-31T14:00:55+00:00","dateModified":"2026-04-08T13:57:52+00:00","mainEntityOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/"},"wordCount":1697,"commentCount":1,"publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png","keywords":["Application Strategy"],"articleSection":["Credit Cards"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/","url":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/","name":"Credit Card Reconsideration: How and Why to Call","isPartOf":{"@id":"https:\/\/awardwallet.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage"},"image":{"@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage"},"thumbnailUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png","datePublished":"2024-05-31T14:00:55+00:00","dateModified":"2026-04-08T13:57:52+00:00","description":"Card application denied? You may still have a chance to change the bank's mind by calling the credit card reconsideration line. Here's how.","breadcrumb":{"@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#primaryimage","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/05\/Woman-Looking-At-Laptop-Featured-Bruce-Mars-Unsplash.png","width":1000,"height":800,"caption":"Credit: Bruce Mars\/Unsplash"},{"@type":"BreadcrumbList","@id":"https:\/\/awardwallet.com\/credit-cards\/reconsideration-call\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/awardwallet.com\/blog\/"},{"@type":"ListItem","position":2,"name":"What Is a Credit Card Reconsideration Call and When Should You Consider Doing It?"}]},{"@type":"WebSite","@id":"https:\/\/awardwallet.com\/blog\/#website","url":"https:\/\/awardwallet.com\/blog\/","name":"AwardWallet","description":"Maximize your credit card rewards, airline miles, and hotel points. Choose the best rewards cards, earn more points and miles, get top travel deals!","publisher":{"@id":"https:\/\/awardwallet.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/awardwallet.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/awardwallet.com\/blog\/#organization","name":"AwardWallet","url":"https:\/\/awardwallet.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","contentUrl":"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2017\/02\/AwardWallet_logo_horizontal.png","width":5000,"height":601,"caption":"AwardWallet"},"image":{"@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/AwardWallet\/","https:\/\/x.com\/AwardWallet"]},{"@type":"Person","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/81cda06c98071e0d596d1bbc586b7e80","name":"Ian Snyder","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/awardwallet.com\/blog\/#\/schema\/person\/image\/cf2b6bbdc3a70f4421fc820b0fe4e4a4","url":"https:\/\/secure.gravatar.com\/avatar\/ac41058dd14132837fe9ab327cc5d8f9b5d4929bef1c0f5e856adb6db74721de?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ac41058dd14132837fe9ab327cc5d8f9b5d4929bef1c0f5e856adb6db74721de?s=96&d=mm&r=g","caption":"Ian Snyder"},"sameAs":["http:\/\/facebook.com\/FamilyFlysFree","http:\/\/instagram.com\/FamilyFlysFree","https:\/\/x.com\/FamilyFlysFree"],"url":"https:\/\/awardwallet.com\/blog\/author\/ian-snyder\/"}]}},"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/105367","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=105367"}],"version-history":[{"count":26,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/105367\/revisions"}],"predecessor-version":[{"id":256374,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/105367\/revisions\/256374"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/166542"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=105367"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=105367"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=105367"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=105367"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}