Credit Card Reconsideration
If you are not approved for a credit card application online, don’t give up!
Instead, call the credit card reconsideration telephone line within 30 days and ask them to review your application.
I explained earlier how I called the Chase credit card reconsideration line and got Emily’s Sapphire Preferred application approved.
5 Ways To Make Your Credit Card Reconsideration Call A Success
1. Be prepared
- Have a copy of your credit report with you so that you can make reference to the number of open accounts and inquiries on your credit report.
- Also know your credit score. And know the number of cards you currently have open with the bank and when you opened them.
2. Lead the call
In my opinion, it is better for you to lead the credit card reconsideration call than to let the rep lead the call.
Lead the call by letting the rep know that you love your existing relationship with the bank and that you were wondering if there was any way to get approved for a new credit card by reducing the high credit line on your existing credit cards.
This lets the rep know that you are aware of why you may have initially been denied a credit card.
Lots of folks get denied for credit cards because of late payments or charge-offs on their credit cards.
You want to quickly let the rep know that your denial wasn’t because of late payments or credit mismanagement, but because you may have reached the credit limit which the bank will assign you.
I have successfully used this method to get approved for credit cards even when the reason for denial was “too many inquiries” on my credit report.
3. Know why you’re applying for a new credit card
Don’t say that you want the credit card only for the miles. Offer additional reasons as to why you want the card, before you are asked why you want another card.
Examples of good reasons could be:
- My company changed their preferred airline/hotel and I need a different credit card to match
- I moved and American Airlines (or whatever loyalty airline card you have) doesn’t fly to my new city
- I hate Airline X after they cancelled my flight and I will never fly with them again
- I want a card with no foreign exchange fee
- I want a card with a low annual fee or no annual fee
- I don’t have any credit cards with your bank and have heard great things about your bank from my friends/family and want to start a relationship with your bank
4. Leverage your existing relationship with the bank
You are more likely to get approved, on your credit card reconsideration call, if the rep knows that you are a loyal and profitable customer for the bank.
Be sure to mention if you have:
- a checking account or credit card with the bank for 2+ years
- charged a large amount on other credit cards with the same bank
- never been late on a payment
5. Be polite with the telephone representative
In general, you get more when you are calm, positive, and well prepared.
Yelling at the phone rep during the credit card reconsideration call will only hurt your chances of getting approved, besides indicating that you are a jerk.
When was the last time you lent money to someone after being yelled at for initially refusing?
Credit Card Reconsideration Telephone numbers
I’ve listed the credit card reconsideration telephone numbers below:
1. American Express Credit Card Reconsideration
- 877-399-3083/866-379-3643 – new accounts
- 800 230 1284 – credit services
2. Bank Of America Credit Card Reconsideration
- 866-458-8805 connects directly to a credit analyst
- 877-721-9405 – application status press 3
3. Barclay’s Credit Card Reconsideration
- 866-369-1283 connects directly to a credit analyst
4. Chase Credit Card Reconsideration
- 888-245-0625 connects directly to a personal card credit analyst
- 800-453-9719 connects directly to a business card credit analyst
- 888 – 609 – 7805 connects to the application status department
5. Citibank Credit Card Reconsideration
- 800-763-9795 – credit department
- 866-606-2787 – application status
- 888-201-4523 – application status
You are usually more successful when you write to: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117.
How have you been approved for credit cards after being initially denied? Tell us about it in the comments!
* If you liked this post, why don’t you sign-up to receive free blog posts in your email (only 1 email per day!) or in a RSS reader …because then you’ll never miss another way to churn credit cards!
I have earned and redeemed millions of airline miles and hotel points to travel the world for free. Now I'm blogging to help more people do the same! 
Helpful blog post, saved for future use, thanks Darius.
I suspect my wife has been denied for the Sapphire card. Almost two weeks and no card or letter. She is not anxious to call. You say you called for Emily. I am surprised they would speak to you. How do you manage that. I have considered changing my voice and saying I’m her.
@Wes – Glad it was useful!
@beachMiles – You could do what you suggest, but if that doesn’t work, you could ask your wife to authorize the rep to speak to you on the telephone.
You are quickly rising to the top of the ff bloggers. Your posts are exceptionally timely and well-researched. You go a long way to solve the ‘industry’ problem of too much data and not enough information, ie FlyerTalk is mostly babble!
I am in the same boat as beachMiles’ wife. I applied for the card but was told to wait for a decision. The status line has recently changed from ‘you will receive in answer in 2 weeks’ to ‘we will contact you in 30 days’. I want to call now so that I can get the card sooner, but perhaps I should wait until they actually issue a decision first. What do you advise?
My impatience got the better of me. I called the Chase application status line and got transferred to the credit applications department. The rep said that the reason my application was in the “pending decision” category was they had flagged it to call me to ask if they could shift the credit line from one of my existing Chase cards to the new Chase Sapphire I applied for. I said yes and they did it for me on the call. So, I’m glad I didn’t wait!
@MM – Thanks for your kind words! But I do think that all the bloggers working together produce much more valuable content, than anyone working individually.
@bluto – I usually wait 2 weeks and then call. I’m glad the call worked out for you – wanting to shift credit lines is currently one of the main reasons why Chase puts approval on hold.
Great post. I’m bookmarking it, not just for the suggestions, but because you very conveniently compiled all the phone numbers in one place for me. Thanks!
what do you say to the reconsideration line if you’re churning certain cards without having closed out the previous cards?
update:
I recently applied for the Barclays’s US Airways card (I have one already, but wanted the new offer with 10,000 miles on renewal every year) and was denied due to sufficient credit.
Called back today with your tips and just told them I wanted 2 cards to seperate my expenses and they approved me immediately with a higher limit than my first card.
Thanks! Great tips!
Called Chase after receiving denial letter for “too many inquiries or opened accounts with Chase.” Transferred to a Biz credit ninja, who is full of BS. Said am at Chase’s max exposure of unsecured credit (40K+) and due to my income, limited use of available credit lines and “credit history,” the best he can do is to reduce my overall exposure with Chase to 20K by reducing some personal cards and my current Biz card to around 3K each(!?), citing that I don’t carry high balances on accounts I have with Chase and that no other issuers/credit unions has given me that much unsecured credit. Fought back and said it was erroneous, I have a 50K card with Penfed and also a 25K PLOC…. and stated that carrying high balances would affect my credit and risk adverse actions with other issuers. Said I called in for reconsideration of a CC, and instead now made feel like am now inadvertently risking to have my lines with Chase slashed up… even with my 3+ years great history with Chase. Reallocation seems not to be an option for this guy. No budge. Fed up with Chase… End of vent!
@MP – Glad you found it useful!
@srt8-blue – I think it is a bit more tricky in that case. But your approach worked just fine!
@Cmoz – Perhaps you could call again and get another rep? Also, you could cancel one card and ask to swap the line on that card for your new card. Banks are not as willing to extend large credit lines anymore.
First decline in many years did get me down, I guess. Apparently this was followed by decline of wife’s personal Sapphire Preferred card. Rarely ever had to deal with the amount of BS from a credit ninja. Well, will try calling again. What’s the likelihood that today’s rep noted the account that I refused his proposition to limit Chase’s exposure by repeatedly “offering” to cut my current total credit limits in half. “Reduce”, not reallocate! He also mentioned he spoke to some “senior analyst.” Thinking about paying off a couple of their cards, and sock drawing it.
Hi D,
If you dont mind me asking how many open credit lines do you and emily have right now? Total credit limit of all cards added together? And lastly credit score 700ish 750ish 775ish 800ish? Also how do you monitor your credit score and how often do you check?
Excellent topic and points … thank you for posting. One must call or write within 30 days of the rejection date and not a day later. This especially true with Chase Bank. Otherwise, you will be told to re-apply again by the credit rep.
@Kalboz – That’s a good point. I’ll update the post to mention that!
Daraius – Excellent post. This is information I’ve been meaning to compile for myself and never got around to doing. In your last few posts you’ve asked for viewer feedback regarding the the type of posts we’d like to read. As a daily reader my response would posts similar to this post, credit card reviews and the one on reconsideration calls. These are posts which share invaluable information and insight honed over few years of playing the game. These coupled with a few on breaking deals would be great reads for me. Keep up the good work and thanks for sharing!
Citbank is the worse. No such thing as reconsideration. Applied for Cit Biz 65 days after Personal. Was impatient and rude with CS as they were also with me. I called everyday for 6 days in a row till I got the rejection email.I think if I didn’t call and bugged them I would have been approved.Today, When I called the reconsideration number you listed (number I never tried before), fella couldn’t help me based on note I spoke to a supervisor already. He said just reapply 2 months from now. Reason was business too new to evaluate. When I applied, I wrote one year for Biz with no income. Vantage score is 950 so no problem with credit score.
Never had problem with Chase. Approved for British Airways, Continental, Sapphire Preferred and Southwest all within 3 months.
D man – the ONLY reason that I ever get denied is because of too many inquiries. Suggestions? Thanks.
i applied for a few chase cards within a few days. got the british airways one no problem. the chase southwest card sent me a letter requesting a business license or other form of proof of business, i called the reconsideration line she asked a few questions, and said i would receive a letter, the letter i received said i there were too many inquiries or open lines of credit. i called the reconsideration line again, and was approved, and my card is in the mail. never give up and always be polite and nice, thanks for all of the advice on this blog!
Chase Sapphire Surprise. On the 14th day after the app , new account showed up on wife’s Chase site. Happy I will not have to disguise my voice and call to check.
@Farhan - Glad you liked it, and thanks for the feedback!
@sil - Citibank is tough to convince, and their reconsideration line is not very helpful. You could write in a letter to the executive offices, and you should get a phone call from a senior rep whom you could try to convince.
@Solomon S Neuhardt II – I get letters indicating that I have had too many inquiries, and I have been able to convince the rep to lower lines on other cards and get me approved. That said, it hasn’t worked for me once with Citi and once with Chase, but otherwise I’ve managed to get the card approved.
I would call in and lead the call with “I’ve got a lot of open credit lines, and I was curious if we could consolidate them and get approved for the new card.” You do have to explain why you had the inquiries though (changed job, new airline so you needed a new card etc.)
@jackson – You’ve nailed how to convince the reconsideration department to approve you for a credit card! Thanks for sharing!
@BeachMiles - Ha!
I too, was denied the Chase Sapphire Preferred for “too many requests for credit or opened accounts with us”. I received the denial letter from Chase with a “reference number”, about 14 days after my application. I called the reconsideration number today, and was approved! Thanks, D!
The reconsideration analyst only asked me two questions, “What is the reference number on your letter?”, and “I see you already have several cards with us, why do you want this card also?”
I simply told him the truth, that I want to be able to have flexible options as to where I transfer my points. He put me on hold for about 30 seconds. Bam, approved!
Hi D,
I have a question for you, I applied for the AA Citi Visa back in Nov of 2011 and was approved, this past monday I applied for the Citi AA Am Ex card and denied because it of not being a first time card member, I thought you were able to be a card holder of both cards and if you waited 65 more days a biz card holder as well. Am I missing something? Is there anything I can do as far as reconsideration?
So far, no luck with Citi recon department. They rejected my application for Citi Premier ThankYou card due to “Your credit bureau report shows you have no revolving accounts with a balance.” Called two times and they claim that since my existing account is “good” (no late payments, never carry a balance), I’m a not a good customer for them.
I mean to say Nov 2010 in my previous post
@Chris – That’s awesome! Thanks for sharing.
@LJ - You can be a holder of both cards, but you HAVE to apply for both the personal cards at the SAME time. Otherwise, Citi thinks you are an existing holder and won’t approve your application. You can get the business card if it is 65+ days since your last Citi application. Citi’s reconsideration is not the best, and there’s little chance of getting a reconsideration after being denied because you were a previous card holder. Best bet is to wait and then apply for the business card.
@jess - I would write to Citi executive offices at CitiBank Executive Review Department at P.O. Box 6000, Sioux Falls, SD 57117. You should at least get a call back from a rep whom you may be able to convince to approve you.
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I followed the two browser trick and applied on 8/16 and got approved for the Visa Platinum for 6k, but got denied after two days for the Amex with reason “Too many recent inquiries”. I have 7 inquiries in total since May, but 3 of them are on 8/16 itself (so Citi shouldn’t be able to see them). Any advice on if I can get this card approved, and how I should go about doing it. Any help/advice would be most appreciated! Thanks!
Thanks, MMS guy! Followed your “how-to-start” tips from Don’t Apply for Too Many Chase cards blog for my second-attempt reconsideration call with Chase. Grilled for a good 20 minutes by Biz credit ninja. This time, they only reallocated some from my current biz card to make way for newly approved-by-recon’d Southwest Biz card (so unlike the previous rep who nastily threatened to cut half of my exposure with Chase, left and right, personal and biz alike). Now just waiting for the new card and SW to come to the ATL! Hands in pocket to fork out annual fee. Keep up the great work!
@Farhan – Citi is a tough cookie when it comes to reconsideration. You may want to try writing to their executive offices at CitiBank Executive Review Department at P.O. Box 6000, Sioux Falls, SD 57117. You’ll get a call back from an executive rep with whom you can plead your case.
Depending on the system the bank uses, they may be able to view credit inquiries from the same day.
@Cmoz – 20 minutes! That’s quite the grilling! It pays to call back, and I’m glad it worked out. Thanks for sharing! Southwest should be in Atlanta by next year, so you’ll be able to use your Southwest points then.
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Darius thanks a million for this post. The most valuable thing is the list of reconsideration numbers. Just used that to get through to the folks at Barclays to approve new US Air 40k card (which your other post got me thinking about!). As a data point this is the second time I have had this card so there is some level of churnability.
Thanks a bunch for this post, specifically for the Chase reconsideration phone number. I initially was denied for the Chase 50k Southwest Visa a few weeks ago. I called Chase (not the reconsideration number, I don’t think) and they wouldn’t approve it. I just called the reconsideration number you listed and I was approved almost immediately! Thanks!
Thanks, again, MMS guy! Called again for recon of Chase Sapphire Preferred card for wifey (denied before for “too many inquiries or open accounts with [Chase]“). Closed one less than 6-month old card to make way for new card with 50K bonus points. Good blog, definitely. Cheers!
@Phil - You’re welcome, and thanks for sharing about the churnability.
@rharrigill & @cmoz – You’re welcome. Glad it worked out!
Thank you for your great work. When I have questions, I find an older post of yours that is right on.
Need advice on Citi reconsideration. I applied on same day July 8, 2011, for Citi AA AmEx and Visa with 75K signup, in that order. AmEx denied (App went to Step 5, then email on 7/14 saying offer is for 1st time Citi AA cardmembers and you already have account with us), Visa approved instantly (Step 3 Approved) even though I applied for AmEx first. Pulled Experion credit report on 8/30/2011, found 2 Citi inquiries on 7/8/2011 and 7/12/2011. So my app for Citi AmEx AA didn’t process same day, instead processed 4 days later!!! I’m bummed about the extra inquiry and denial.
I began 3 week international travel on 7/11/2011, and my app confirm printout is dated 7/8/2011, so I am sure I’m not confused about the application dates. I know I applied for AmEx first because I created online userid (confirmation printout) and then did not create another one with Visa application expecting to reuse same one when card arrives. That userid is not accessible since Citi AmEx AA card was denied, phone calls did not help.
What do I say if I call the Citi reconsideration line? Its true now that I have an account with them (Citi AA Visa that was approved). Thanks.
Forgot to mention in above post, that I also applied for AmEx PRG card (approved) before any of the Citi AA cards on same day 7/8/2011. Expect that should not have any bearing on Citi AA AmEx application processing, (other than total number of inquiries).
@Kroozer – You’re in a tough spot. The offer is technically only for new applicants, but by applying for both cards at the same time, you increase the likelihood of being approved. You could call or write for reconsideration, but Citi is quite firm about not giving the card to prior applicants. The AmEx processed 4 days later, and that’s what likely messed it up.
You’re right that the AmEx PRG shouldn’t have an impact (besides inquiries) on the Citi application.
Applied for U.S. Dividend Mastercard from Barclay about a week ago. Received that status is pending paper work to prove Citizenship or Residency in U.S. Then called and was assured everything in credit report looks good but need document.Last night , check application status online only to find out I was denied due to too many account inquiries . I called the reconsideration number and was finally approved for 10 CL for Mastercard. This is my 10th CC in last 3 months….NO more for now. I told CS I wanted the card so I can play the Grand Slam this year.
@sil - 10 cards in the last 3 months?! Which ones did you get?
May- Chase British Airways, Chase Continental , Citi Visa, Citi AMEX
June Chase Sapphire
July- Alaska Air Visa Signature, Amex PRG, Amex Platinum
August -Amex SGP, Chase Southwest, U.S. Dividend Mastercard
oops , sorry , forgot the reconsideration on U.S. Dividend so it is 11
@sil – That’s quite the haul!
yes, it is quite a haul but I think I have been late for the party…just started the U.S. Mint in late May when they discontinued the following month, and now the BA Program change. It will cost alot more miles for me from Los Angeles to Asia / South America. Nevertheless I am grateful for your website and amount of useful information for me and other travelers.
@sil - Mile earning opportunities will always come and go! There are still lots of ways to earn miles and points.
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I was initially declined for the Chase Sapphire Preferred card because I had too many applications out and I was nearing the maximum credit allowed by chase. I lead the conversation, letting them know that Im a good boy who pays off his cards on time, no late payments. I then “suggested” that we transfer credit lines from United and Continental cards to the Chase Sapphire Preferred card. Brief hold. Approved!! Now I just have to spend 3K in 3 months to get the 50,000 miles. Using WilliamPaid to pay my rent, $1465 for a two bedroom. 3k is easily attainable. Thanks for everything you post!!
@Nick M – Thanks for sharing. That’s great negotiation on your part!
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Daily reader, but first time commenting: Just wanted to say thank you for making this information so easily accessible! I called the 2nd Chase number you listed as being a direct line to a credit analyst, and the phone didn’t even have to ring twice before it was answered by a very helpful woman who agreed to lower my Continental OnePass credit limit and approve me for the Freedom card… which will be a very powerful combo with my existing Sapphire Preferred. (Those are my only 3 Chase cards, but I’m glad to know the tips for reconsideration, because I imagine I will be needing this again for opening future Chase accounts.) Anyway, I read about 5 mileage blogs daily, but I really love yours in particular for how well-organized it is, and how easy it is to find information on it. I also appreciate that you don’t take junkets or use affiliate links for credit card referrals. THANK YOU!
If one chooses to send a credit card reconsideration letter by US Mail rather than making the call, to which address do you send your letter to? Is there a list of such bank addresses here on MMS? Sample reconsideration letters? Thank you.
@SIL, how did Chase approve more than 2 cards application in less than 6 months? My wife got denied on the Marriott 50K card. They told us that since my wife two other Chase cards (Sapphire and Continental) were open less than 6 months ago (back in June 2011). Called Chase recon line twice and got same spills…
Thank you for the information on the reconsideration line…I was able to push through my Citi Premier application because it was a credit line issue and they moved over 15K from my other card to get it opened. I also recently received the Sapphire and Marriott and received a targeted Ink Bold and tried to apply and see what happened. I received the we are reviewing and will get back to you. So, I waited a week and called the number and was able to go step by step on my application with three analyst and it was received. Thank you for making my trip to Singapore with the family in December that much closer…
@Singapore Flyer- That’s great news! Thanks so much for sharing, and enjoy your trip to Singapore!
I also found an old interview with Gary Steiger and going to take advantage of the TD Ameritrade deal. 20K SPG points are huge for basically doing nothing.
Citi is the worst grrrr so much for AA miles for the time being
@Singapore Flyer - It is an easy way to earn miles if you’ve got the money to invest!
@BURDENDER – Citi’s telephone reconsideration is pretty useless, but I have better luck writing to them.
Any advice on Citi reconsideration. Was denied due to too many recent inquiries( recently purchased home and vehicle). Called for reconsideration and rep advised me that I would have to wait for inquiries to fall off. Will writing to them help my chances?
@Artemio – Citi responds best when you write to them, so send them a letter explaining how well you’ve managed your credit and why you had too many inquiries etc. You’ve already got the credit hit so may as well make the most of it!
Additional data point:
Have 3 cards from Chase, including two recently (Sapphire from July and Hyatt from October). Last week applied for the Southwest card since its likely to expire soon, got denial letter in 3 business days. Called Chase reconsideration line and was told you can only have 2 cards in the last 6 months. Was offered to swap one of the two recent cards (Sapphire or Hyatt) for Southwest. After some thought, asked to cancel the Hyatt and get the Southwest (since 50k offer likely to expire 11/28/2011).
Now I wonder if Chase/Hyatt will try to “take-back” the two award nights they have credited to my Hyatt gold-passport account. The reconsideration line rep did say that they will take back points. Any thoughts Darius? I was planning a trip over Thanksgiving, so may end up booking using the award nights later today.
Additional info: the reconsideration rep did briefly ask to confirm my annual income as specified on the application and did murmur something about supplemental income. I did not really press to understand this since I did not have any supplemental income to prove, but wondering if his stated policy of 2 cards in 6 months had flexibility to be be changed based on additional income.
@Apex - The terms in the Hyatt card offer say “If your account is not open for at least 3 months, Hyatt and Chase reserve the right to deduct the Free Night Award(s) from your Hyatt Gold Passport account.” That said, I’ve never experienced this myself, but be careful.
The reps usually confirm the information to make sure that they have the most accurate information while deciding how much credit to extend to you.
Amazing information you publish! I have been trying for a Sapphire Preferred card for at least 6 months now. I applied back in March or so and was denied, but didnt know about the reconsideration. I applied again last night, and got the remark that a decision would be mailed to me. Called the number you provided, and spoke with probably the most helpful person I have ever spoke with at chase. First he said that it had been denied, which I expected, because I have been applying for many cards the last few months as we are preparing to travel half way around the world in the spring. To my surprise though he said it was because of little history with chase checking, and I had a checking account overdrawn. This shocked me, first I have been a customer of chase for years, but I never overdraw my accounts! Turns out it was an account that had been closed, and I did not even remember, because of issues while I was still active service a few years ago. He figured out where that account was, told me how to take care of it, and then proceeded to reopen my application. He came back and asked a bunch of questions about my income, and high balances on my cards, which all have been paid off except for one which has a 0% interest, but since its in the middle of the period, it hasnt been reported to the credit Bureau’s. After explaining everthing, he put me on hold and came back a minute later and said that he would be able to Approve me, and I should receive my card with in 2 weeks!
I used all the advice you have give, thanks for all the help!
@Andy – Thanks for your service, and congrats on getting it approved! The detailed report will be very helpful for others!
I just called the Chase recon line because I had been denied because of too many inquiries/accounts. I had applied for the AARP card. The only other Chase card I have is the SW Airlines and I also have an auto loan with Chase. The rep said I was declined because I had one other application with them in the last 6 months and that was the sole reason for denial. They had not even pulled my credit report. She asked my permission to do so during the call and I am now approved. I was shocked that they hadn’t pulled my credit report in the first place. I have already used about half of the SW Airlines points to send my daughter to Grandma’s house for Thanksgiving and a college visit. Thanks Chase!
@Turqoise – Thanks for sharing! Interesting to know that the rep said that they hadn’t pulled your credit report.
Just got approved for a Chase Southwest Airlines card using these steps! Thanks man! Being nice as well as informed definitely makes a difference with the reps. Although they did give me the third degree on my reasons for applying for this card, so thanks for the heads up on that front.
I asked my rep about the 50000 bonus (since I originally applied with this offer but it has since been taken off the website) but she told me she didn’t have the info and to look in the welcome kit I receive in about 2 weeks. Should I wait on that, or do I need to call CS and ask? Is this my cue to play call center roulette?
@Jared - Thanks for sharing! If you applied through the links with 50K points, you should get the 50K sign-up bonus. You can confirm it when you call to activate the card.
Does anyone know how much of a credit history the Citi cards normally need? I only moved to the US 8 months ago, and I’ve got myself a decent rating already, but my history is limited so I really can’t get any good cards at the moment.
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Just wanted to drop off my props to the man in the Bow Tie. After a much overdue wait to follow up on my Chase Southwest Airlines denial I ringed the Chase folks using your number. Explained that I didn’t need my old British Airways Visa anymore and it was a seamless swap of credit limits. Next flight to Vegas is dedicated to Million Mile Secrets!
@Simon – I would start with student cards or the easy-to-get cards, build up a credit history and then apply for reward cards. It will be worth the wait!
@Sweet Jimmy – Thanks! Enjoy the trip to Vegas!
I’ve applied for a Chase and BOA card. Both said pending instead of an instant approval, but they did not give any type of application number. Should I wait for a letter before calling the reconsideration line?
Thanks for the info – just got off the phone with Chase. Got the rejection letter for the Sapphire Preferred due to too many requests and cards with Chase etc. I had just gotten the Marriott Rewards card – they kept sending me offers!. Had the Priority Club Visa. The rep mentioned the Marriott card, then did I really use that much of a credit limit and could he spread the credit limits over the cards? Absolutely!!! So the Sapphire Preferred card is on its way to arrive in about 2 weeks. Thanks again for the instructions and the direct number!
Hello, I’ve read your article, it’s very informative. Thanks.
As an FYI don’t wait too long after applying to call for reconsideration, at least to Chase. I was told there was a 30 day period when they would reconsider without another application / hard pull.
i used the numbers u gave to call chase, bank of America, and Barclay’s after being declined all of them reconsidered and approved all 3 apps… thanks alot..
@Guest – I usually call them if I don’t get an instant approval.
@Susan Knoll – That’s great news! Thanks for sharing.
@Joyce – Glad you found it useful.
@MJLouise – You’re right. There is usually a 30 day period during which they consider reconsiderations.
@yoel- That’s great news. Thanks for sharing.
Ya – hoo !!!
Just got off the phone with Chase lending and got both Southwest Biz and parsonal aps to go through with the 50K bonus on each. My bargaining chip was my $20,000 credit limit BA Visa that I was going to cancel anyway as the fee is due in January.
Personal ap was pending reviw and Bis ap was actually declined (according to Chase rep because I had applied for too many cards recently).
I am batting 1,000 with the Chase reconsideration line.
Time to take a break with Chase aps now.
Hey,
I just applied for Chase sapphire preferred and got denied. I know it’s kind of a long shot for me but i want to call and be reconsidered but I wanted to know if asking them to reconsider is a hard inquiry and would negatively affect my credit score? Or could it have any other negative consequences?
Thanks
Hi Darius,
I recently found out about this blog and find it tremendously helpful… Thank you for all the information you shared… I just recently applied for Citi AA Business Card and got denied because of too few satisfactory accounts… What should I do to get the best chance of getting the card? Should I call them or is it best to write them to plead my case?
Thank you,
Great info, just helped me get approved for the chase southwest card after being denied. I was originally denied because I just applied for and got the sapphire card a month ago. They reviewed everything and asked why I needed the card and I just mentioned I would be flying from San Diego to San Francisco a lot this year and I wanted to rake advantage of the rewards system.
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Hello! I have been denied for the citi AA 50k miles because of too many applications. They lady on the phone explained me that there is nothing they can do about that but waiting 2 or 3 months to apply again. I called again and the seconf lady said the same thing. I don’t know what to do for them to reconsider my application. Any idea? Should I keep trying or just wait 3 months? I dont really wanna miss that opportunity of getting all those miles! They told me that I had 4 inquiries in the last months (1 of those apporved for the mastercard with citi) and the other ones denied. Please help! Thank you so much for this great post!
I applied and was approved for the Chase Sapphire Preferred in mid-December. I asked for and received the card via 2nd day mail. Once I was sure I had it in my hand I called Chase and cancelled my Continental VISA card I’d received in January 2011. The Continental card was going to be billed for the annual charge this month. Last week, after hearing about the 50k mile Chase United card, I applied for it. Today I received a letter saying I’d been denied the United card due to too many requests for credit or opened accounts (I only had the Sapphire and Continental cards with Chase).
I remembered this blog post so I just called the Chase reconsideration line and reminded them that I’d just cancelled my Continental card, also mentioned I’d be flying United more as I am beginning to dislike Alaska Air, and asked if he’d review my account. I was on hold for about a minute when they came back and asked what amount of credit I was looking for. I said the 5k to 8k range would be fine (the Continental was 18k) and he said they could do 7k. New United card approved!
Thanks Daraius! With your help I’m beginning to get the hang of this! International travel is in my future!
The BEST advice ever! Before I applied for the chase continental card (60K via invite) a couple of weeks back I googled reasons you could get rejection and came across this website. The reason I searched was cos I got a 7K chase freedom approved in December ($300 cash back)…but just couldn’t resist the continental offer which I got right around Christmas. Applied and sure enough when you hit the submit button and the wait is a few seconds longer you know its not good news..oh well. I got the reject letter last week (too many inquiries or too many accounts with us). Thankfully had bookmarked this page and read through. Getting ready to call was like preparing for an interview! I got my credit report, opened my chase online account page (have 3 other chase accounts) and practiced the first first lines after I spoke to someone. And of course had this webpage open so that I knew what to say and not to say. So with everything ready, tonight I called the chase personal card number. A gentleman answered right away – sounded good and in a nice mood. Gave him my reference number – he looked it up, told me I had been rejected and he would be more than happy to review it again…put me on hold for a min…back and asked me if I used my coldwater creek chase card (with 5K limit) – I said not really…so he said he would reduce that to $500 and give me a 5K with the new card! He put me on hold for another min- came back and said I’d been approved!! WOW…and here I was all with all the documents open wondering why I even bothered..in any case…I’m so happy! I couldn’t thank the advisor enough..he made my day…and now a big THANK YOU to Darius! You rock!!
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I had my first somewhat lousy experience with AMEX tonight. I called 877-399-3083 as you had listed, and the first person who answered was kind of difficult to understand, and seemed to not understand why I would be calling if I had received the denial letter. He asked me several times if I had read the letter. He transferred me to another rep in another department, who then told me that I needed to speak to someone in another department. I finally spoke to a lady who sent my app to the executive accounts team or something along those lines. She told me I’d be risking another inquiry–I told her that would be fine, figuring that since I’d already wasted 1, there is always a chance they might not do that hard pull.
She said it would take 4 business days to reach a decision and to call them back. Did I get some bad info? Something gives me a gut feeling this isn’t right. I’ve always felt like the customer service reps treated me like I was their most valued customer (which I am obviously not, but they treated me as such) before tonight. The people I spoke with seemed to be in a hurry to get me off the phone, and not very willing to listen to my request and reasons for it. Did I make the wrong decision by giving them permission to elevate it to the executive team without speaking to a person in that department?
I really miss Chase’s 20 questions reconsideration routine compared to my AMEX experience tonight…
Apologies for the delayed response to the comments. Not sure why I wasn’t getting updates to the post.
@PatMike – Glad you got approved and thanks for sharing
@Adam Jones – In my experience, a reconsideration with Chase usually doesn’t involve another hard pull. But some banks like Citi do sometimes pull your credit again.
@Nam – With Citi the best way to get them to reconsider is to write a letter to their executive offices
@andrew w - Congrats and thanks for sharing your success!
@osky – I would write a letter to their executive office, but if that doesn’t work, it may be better to wait.
@Savvy Traveler – Thanks for sharing and do let us know where you go with your miles!
@Teena – Glad you found it helpful. You certainly did your homework before calling! Thanks for sharing your story with us – it will be very helpful to others.
@Jared – I would call them again or call the executive office directly. In my opinion, AMEX is pretty hit or miss with customer service. Sometimes you’re treated great, but on other occasions they just try to get rid of you!
@
Recently did the 2 browser trick for Citi Amex and Visa. No instant approval or disapproval. Instead, received a letter with the IRS request form to verify my tax returns. How likely to get both cards if I allow them access to my return?
@Mitch - Very strange. Not sure if they’ll approve you for both, but could be worth a shot.
I love this post more every time I use the reconsideration line number and get approved!!
Only Citi analysts (or the bank’s rules) are losers. After getting denied by Citi again, I looked at my spreadsheet, in last 6 months, for the two of us, 29 applications, all 5 denials are from Citi (out of 8 applied to Citi). Out of the $190K spend (one-off home improvement expenses this year) Citi got only $5K spend.
I think the banks need to realize that the customers maximizing their rewards cards (10+ applications and new accounts in last 6 months, but zero balances) are actually extremely good low risk customers. Chase has NOT given me “too many inquiries” reason yet during reconsideration call.
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@Kroozer – You’re right – Citi is a PAIN to deal with over the phone, but usually come through via a letter. $190 is a LOT of spend. Hope you got a ton of miles from it!
Yes indeed. Besides the signup bonuses, I’ve concentrated the ongoing spend into Chase BA companion ticket x2 (need to redeem for a family of 4) and the old Chase Ink Bold card with tier bonus 22,500 extra points for $50K spend. Also switched to Chase checking account for Exclusives program 20% bonus on old Ink Bold and 10% on Freedom card.
Now need the next round of learning – how to optimize award redemption, particularly for 4 seats together in a premium cabin and avoid the high taxes or fuel surcharges.
@Kroozer – I’ll be posting more on how to use your miles. But it is virtually impossible to get 4 seats together in a premium cabin. Unless you’re willing to spend on fuel surcharges (BA has terrific availability, but charges fuel surcharges). Where do you want to go?
Approved for all, will let you know if I get all bonuses.
Well im fairly new to the game but am loving it! got started with travelhacking.com but he charges a hefty monthly fee and it really isn’t worth it. Your blog is much more responsive and the information is great! I just followed instructions on calling the reconsideration line (using your number) and was successful! How great is that? I had the southwest card about 3 months and they wanted to know why I hadn’t used it. I used your line that SW pissed me off and they bit! She offered to swap cards out but i wasn’t sure if I would lose my SW points if they did and if that would show up as a close/negative mark. Would Ihave been better off letting them close it so I would have more room to get more chase cards?? Any diff closing a card on their suggestion vs mine?? Thanks and keep up the great work!!
@Rex - Please let us know what happens.
@S-May - Welcome! Chase lets you swap cards out and calling the reconsideration line is a good way to get approved for more cards. I wouldn’t swap or close out an old credit card, because your credit aging and score is impacted by your oldest account. In general, just confirm that your credit report will indicate that the card was closed at your request (even if Chase offers to close it). In my experience, that is usually the case when Chase closes or swaps out one card for another. I’d also use your cards after you get the sign up bonus, because you want to be able to keep on getting approved for new cards with Chase.
I bit the bullet and applied for 3 more cards (My last card app was only 2 months back for sapphire and SPG).
Chase CO (somehow I didnt know I would be denied the explorer miles if I get this)
Citi TP premiere
Chase Ink bold (Think I must be drunk to apply for 2 chase even though this one is business)
All 3 applications came with decision pending.
1. Citi called me next day and approved me after getting some info (I was about to call the reconsideration line)
2. Called chase business reconsideration line and got the Ink approved. This is now my 5th chase credit card (after BP, marriott, PC, Sapphire) and 1st chase business card
3. I left the CO card app untouched. Just logged in and found a $1000 limit CO card. Holy crap 6 active chase cards. I am on a thin line with chase
@Avi - The concern is that once the CO card converts to the Explorer card, you may not be able to get the miles on the Explorer card because Chase usually lets you get the bonus only once per type of card. Emily has 5 approved Chase cards now, so we’ll have to give one up the next time!
Any clue when will the change from CO to Explorer will happen? I will try to call Chase and ask. Thinking about possibly getting the miles ASAP and then close the CO card or convert it into another chase card (with no fees)
@Avi – I don’t have any inside scoop, but would expect the change to happen pretty soon. It may be too late to get the bonus and hope the card doesn’t change to the Explorer card.
I’ve had a Chase Sapphire card for a little over 2 years, and applied and received the Chase Sapphire Preferred Card around 1/20/12. I’ve used that (SP) as my main card since getting it. Yesterday I applied for the Chase Freedom (to take advantage of the spending categories) and was told it was pending. Called up today (3/5) and got approved after I agreed to move $5k of my credit line from my old Sapphire (which I barely use) to the new Freedom card. Sweet. However, I am also interested in the Ink Bold since it has no transaction fees and I am going to Turkey for almost a month in April. Is it likely that I’ll get approved since it’s a business card? My credit scores are 781 Transunion, 822 Experian FICO. I have a total of $29k of credit line with Chase, and maybe $20k elsewhere with no other debt or loans and pay everything off every month.
I was also considering the Marriott 70k (because of the no foreign trans fees, but it is a personal card) or the double AA Visa/Amex for 100k. Any thoughts on what might be within reason? Could I apply for the AA cards and the Bold Ink? What about Bold Ink vs Marriott (i’m not going to apply for both, but would like to have a backup card w/ no foreign transaction fees for my trip to Turkey)? Also, do you think i’ll need one of the new cards with the chips for traveling in Turkey?
Thanks for all you put into this blog. It’s truly an invaluable resource for us who want to see the world without being a millionaire.
I was also considering the Citi Thank you Premier card (thanks to your blog) because it offers 50k and foreign transaction fees.
@Matt – Thanks! The Chase Sapphire Preferred card also has no foreign transaction fees, so you may not need the Chase Ink Bold (besides the nice sign-on bonus). I can’t comment on your specifics, but if you have a really good reason you could get approved. But I’d wait a bit since you already have 2 new cards from Chase. I’d look into the 2 Citi AA cards and perhaps the Chase Ink Bold. I’d choose the Ink Bold over the Marriott card because you can transfer Ultimate Rewards points to many different airlines and hotels. Chase doesn’t issue true Chip and PIN cards (just Chip and Signature cards) which aren’t very useful in Europe. I’m sure you’ll get by without a Chip & PIN (most Americans do), though it could at times be a bit frustrating (especially with machines).
Hello everyone!
I just wanted to share my experience applying for the Chase Sapphire Preferred card and how this blog helped me get an approval withing 5-6 min after being denied!
This is what I found today in my mail box:
“After reviewing the information provided in your application… , we regret we are unable to approve your request at this time…. based on the following reasons:
Balances on store or gas accounts high compared to CL
Too many request for new credit”
I called the 888-245-0625 provided in this site, a very nice lady asked me for my reference number -I don’t have any accounts with Chase, until now lol-
CSR: How can I help you today?
ME: I’m looking at my credit score right now – like suggested by this blog- and after being denied I’d like to be reconsidered… apparently Discover and Express -gave her my current balances- haven’t sent their reports to Experian but my balances are not high, my Amex has a high balance because is my everyday card and as you know is a charge card that needs to be paid off every month, I’m making Sapphire(I wasn’t approved yet) my every day card since I’m not happy with those guys….I kept going, please note: 4 of my inquires are weeks of bring 2 years old, you know they’re going away… didn’t let the CSR talk until I was done saying what I had to say, again, like suggested by this blog.
This may sound rude, but I wasn’t rude at all. I was calmed, talking with confidence even though I thought I was gonna… in my pants lol.
CSR: What’s your balance on your Express store card?
ME: $$$
CSR: I’m more than happy to review your application, may I put you on hold?
ME: not a problem
Not even 2 minutes later:
CSR: Mr. R, after reviewing your app I was able to approve your card with a 5k CL and you should expect it in the mail within 2 week. Anything else I can help you with today?
ME: No, Thaaank YOU very much. You have a wonderful day!
Sorry for the grammar mistakes, English is not my first language, please feel free to edit-improve this comment. thank you
BTW my CS is 725, 3 years ago started building credit, and income is around 41-45k
@papelet – Thanks for your detailed comment and for sharing your experience. Glad the post helped out!
I was approved for the Sapphire card 4 months back (got the 50,000 points!), and recently applied for the Freedom card but was denied. I called reconsideration and they said that it was denied because I was inside the 6 month rule. But they said that if I transfer some credit from the Sapphire to the Freedom they can reconsider. I agreed, and they approved the Freedom card!
Thanks for the tips!
@Asher – Glad it helped out and congrats!
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Just wanted to relay my experience. Applied for both the UA Explorer Card and the Chase Saphire Preferred card over the weekend. The UA Explorer was approved immediatly. As expected the CS card was denied pending approval. I called the recon line today. Explained why I wanted both cards. Fly United and also looking for no foreign transaction fees. And that I was willing to allocate balance from the Chase UA card to the CS card. Was approved immediately. Thanks for the info on this website.
@Eric – Wonderful! Thanks for sharing.
Thanks D for the incredible help. I seriously find your blog to be the best, most informative, and helpful of all the blogs especially because of your thorough responses!
Anyways, I have excellent credit, but my wife is another story. She actually has a 728 experian score, but has one 30 days past due notice on her account from 1.7 years ago. Ive added her to my accounts since and shes been building some good credit since which may alot for her decent score now.
Anyways, I really want a BofA card for her for the Hilton points, and was wondering if you thought that I should apply for her, and if were rejected, what we should do. Is there any way to get reconsidered if there is a late payment. Theres no real good excuse as to why she didnt pay it =). It was a small bill, and she just wasnt good at paying them. Please let me know if you have any tips for people that just have one blemish on their report.
Thanks!
@Sam - Thanks for your kind words! I really don’t have suggestions for your wife, besides looking at creditboards.com for more information on a 30 day late payment. I’m sure you can always explain to the reconsideration department that the late payment was a long time ago, and that she’s managed her credit responsibly since then. But I don’t know what the outcome will be. If she’s been approved for credit cards in the past few years, there’s a chance that she will be approved for this card as well. It seems unrealistic, that 1 30 day late payment will prevent you from applying for credit cards in future. Good luck!
Thanks for the great blog! I was rejected for a Chase Sapphire Preferred but was able to call the Chase reconsideration line and get approved. It was a close one, I’ll probably hold off on any more applications for awhile.
Damn, 1st time I got rejected by a credit card company which is capital one. Called them and talked to them but no luck. Anybody has any advises?
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Thank you for the nice info. I was rejected for Bank of America Credit card. But called the phone number given above. The rep asked me a couple of questions and said they will send me a card with $900 limit. This is great.
@Vince @Alex – Glad you found it useful!
@audisfo – Cap 1 is very hard to convince once they have rejected you, but good luck!
I was really disappointed with Capital One – they just declined me for my first credit decline. The reason was for too many inquiries. I checked my report and the only inquiries in the last year are from internet service providers, my brokerage account (which I’ve had for several years), a utility company, and a rent company. After calling Capital One to dispute they said they don’t care what the inquiry is about just that there are inquiries…
@Basil Siddiqui – Capital One has terrible reconsideration and that was my experience last year. However, I did have a few credit card inquiries, but no one was willing to listen to me!
I applied a Citi and was denied. So I called back and spoke
With a women and she seems nice told me she was
Going to re-evaulate my app and I can call back within 48 hours.
To check the status. Is this a good sign or bad?
@keith – I’m not sure why you have to call back. Usually, they give you the results immediately. Perhaps call back and see if you get a different answer?
Yea I was wondering as well and she said when I call back
I can get an answer from cs if I’m approved. My understanding is she could give me an answer on the spot. This women was a super visor
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the card department offices are all closed on SAT & Sunday, so don’t bother calling on weekends.
tried with chase and bOA but none on sat and sunday!
apply for cards on weekdays only.
@kat
Really? I have called the chase reconsideration line on a Saturday and they were there to evaluate and approve my app. You called the reconsideration line for chase directly and not the customer service?
called this 888-245-0625 on sat night and sunday morning closed.
@Kat
I wasn’t even thinking…they were probably closed for Good Friday and Easter observance. I usually call on the weekend for reconsideration.
@kat – I beleive they work shorter hours on the weekend, but I have talked with them over the weekend. However, I think the business reconsideration line is closed over the weekend.
@corinne – Thanks for helping out!
Thanks for the great resource of reconsideration numbers. Applied for SPG last night. Got the note of a reply by mail in 14 days. Called the number provided above and was approved this morning – card will be received before the reconsideration result mailing.
I applied for an SPG Business card last night. What number can I call to attempt a phone approval – the “new accounts” or “credit services” number? Are these the same numbers for personal and business cards?
@hjk – That’s great! Thanks for sharing.
@Sid - I listed all the numbers, so that you can try the different departments if your 1st call is not helpful.
I called the Chase recon line yesterday and they were closed for Easter. The message stated they were closed but the message also said they were open Sundays. I would assume they are closed for holidays that are on Sunday’s.
Just got off the phone with the reconsideration line for the Chase Sapphire.
This is pretty close……
Credit analyst: “We see you have been applying for a lot of cards in the last few months. Why is that?”
Me: “My wife and I are planning to travel this summer, as you can see we already have the Chase Freedom card. We don’t think that it is good compared to the Chase Sapphire card.
Credit analyst: “Oh yes, the Sapphire card is great for travel!”
Me: “Yes, after talking to some friends we believe the card is the best fit for us. We are confident it will meet our travel needs.”
Credit analyst: “Please hold” ……… “Thank you for applying, you have been approved.”
Hooray lol! PS… I used your link!
OK, so maybe I’m not a rational churner. I see a deal and I get all shaky, like a compulsive gambler, and I’ve gotta have that card ! This one was the 60K United Explorer with a $50 statement credit. I throw caution to the wind and apply… Pulse goes up; palms get sweaty as I watch the rotating circle showing application is processing. Then the dreaded message shows that my application needs further review. I know that means another call to Chase…
This time I waited for the letter, which arrived yesterday.
Just got off the phone with reconsideration. I suggested swapping out my Southwest personal card for the United. Bingo ! No problem. Of course I chit-chatted about my rationale for getting the card.
New United Explorer on the way. My success with Chase is 100%, and I’ve been calling that # for years when it was a super secret, hidden in the bowels of FlyerTalk.
I still have the Southwest Business card which is next on the “hit” list to trade in when I apply for the Ink Bold (hubby has TWO Ink Bolds !)
Just checked in for our first Southwest flight with the companion pass (expires 12/31/2013) thanks to your blog !
Love your blog !
Corridor! – Thanks for sharing!
@Steve@OurWallets - Congrats on getting approved, and thanks so much for using our link! I’m sure the credit analysts here how good the Chase Sapphire Preferred is for travel all the time!
@PatMike - I know that feeling and I too have cards which I “surrender” to get approved for another. It works out quite nicely! Safe travels!
Thank you for the excellent info. Called the Chase reconsideration line because of 3 rejected applications. Real nice gentleman named Chris immediately approved me for the Chase Sapphire Visa; told me can’t have both mastercard and visa for same card, so we withdrew that application. Now Brit Airways card pending.
Questions:
1. Credit Pull…. apparently Chase does a hard inquiry for every type of card you apply for, even if you have a recent application for a different card within the last few days. Also, the credit pull is from diferent agencies, even if from same person around same time frame. Sapphire Visa transunion; BA equifax; Doesn’t matter that they’re all Chase. Does anyone know about Amex and B of A policies in terms of credit pulls? For example, if you’ve just had a hard inquiry for one application and are now requesting another one, within a month, or 3 months or something, will they still do a credit pull?
2. Is the Mileage Plus Explorer simply a replacement for the old Mileage Plus? Or a completely separate card
Thanks!
@Alex B - Most banks will pull your credit report when you apply for a card even if you have a previous card with the bank. Yes, the United Explorer card is considered a separate product from the old Mileage Plus and you can get the bonus on that card again as well!
If i am to write Amex to be reconsidered for one of my apps(HHonors) which address should i write it to?thanks!!!
@daniel – Good question, and I don’t have an address for them. You could try the address on the letter which they mailed you.
I just reapplied for reconsideration after having been been denied for the Southwest Card because of having too many cards with them, namely Chase Freedom and Chase Sapphire in 3 months. A really fine gentleman helped me and as you have outlined I suggested to splitting my available balance into 3 accounts and presto everything is approved. But now I just got a good fare deal for travel to Asia with United and ANA (star Alliance.) Will it be too much and too greedy to ask and what is the probability of being approve for the United Explore Card? Again, Thank you so much!!!!
@RAINIER AGUILAR - It depends. You’ve already got 3 cards in the last 3 months, but if you have lots of available credit (more than $5000) in each account you may be able to get approved. It could take a few phone calls to get approved.
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snap, 5 min call, approved. lol
@Ben – That’s great and thanks for sharing!
So I took the advice and called 2 days after applying for the Southwest card and being told it was not approved at the time. They asked for a little information like why I had some inquiries and I simply let them know we recently purchased a new car. They were very nice and transferred me to another person to verify my identity and about 10 minutes later he congratulated me and said I would be receiving my Southwest card in the mail in 7-10 days. It feels great because honestly 1 year ago I had a credit score of 540 (because of being dumb in my youth) and now it is over 700. My suggestion is to call before getting the letter in 15-30 days.
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woohoo!….just got the reconsideration from Chase Southwest! thanks Darius!
I applied for the Marriott premier CC and it was denied. Called the reconsideration lines several times due to non-helpful reps. Finally met one called Larry who was so, so nice and helpful. Told him this would be my first Chase CC and he actually asked how much I would need and gave me the credit limit that I requested. I am still waiting for my Bristish Airways to go through because of Experian messing up with my credit report! Larry said to call back and it shouldn’t be a problem. Thanks so much Darius!!!
I’ve posted my wife’s experience, D, you rock.
http://firstclassforfree.blogspot.com/2012/05/my-wife-is-approved-for-chase-sapphire.html
Thank you Million Mile Secrets!
I was initially turned down for the Citi Thank you card by mail. So I prepared myself to call the reconsideration line by reading through all your ideas on how to handle the situation. The conversation sounded very much like an exciting movie with plot twists and exciting credit card chases as I detailed my credit score and payment history with vigor!
The Citi representative practically teared up as I expressed my incredible love for Citi Bank and how they had really changed my life for the better!
That’s when he reduced my credit line on my new APPROVED THANKYOU PREMIERE CARD and reminded me it would be 5-7 days till it showed up in the mail.
Thanks again.
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