When to Call The Credit Card Reconsideration Department?

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When to Call The Credit Card Reconsideration Department?

Million Mile SecretsWhen to Call The Credit Card Reconsideration Department?Million Mile Secrets Team

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If you apply for credit cards regularly, at some point your application will get denied.  This is most likely because of too many recent credit inquires on your credit report.

But Million Mile Secrets readers know that calling the bank’s reconsideration department and making your case will usually help get you approved!  For more information on how to convince the banks to approve you for a credit card and which telephone numbers to call, check out my earlier post on how to make your credit card reconciliation telephone call a success, which has 278 comments so far.

It almost always makes sense to call the credit card reconsideration department.  That’s because you’ve already got the credit inquiry recorded on your credit profile, so you might as well try to get approved for the credit card and get the sign-on bonus.

When to Call?

But readers often ask when is the best time to call the reconsideration line?  Is it as soon as you apply?  Or is it when you receive the denial letter via email or by US mail?  Perhaps it is best to call a few days after applying?

My Experience

In my experience, I get the best results by calling as soon as I finished applying for the credit card online.  And by hanging up and calling back if the representative doesn’t approve me or if I sense that the representative was unsure or just “making stuff up” to get me off the phone.

However, I wouldn’t call the Barclays bank reconsideration line more than once or twice, because they track the number of times you call and have been known to sometimes close ALL your existing Barclays bank credit cards if you have too many inquiries on your credit report.

In my experience, Chase and Bank of America have the best telephone reconsideration department, but I generally have better luck writing to the Citi Executive office.  Capital One and US Bank don’t appear to have much of a reconsideration department.

Calling Early

I usually call the reconsideration line as soon as I finish applying for the credit card or batch of cards online for a few reasons.

1.  Impatience.   I’m human, and impatience is one of my flaws.  I want to know the results as soon as possible and deal with getting approved immediately.  Once I know I’m approved, I can mentally move on to the next phases of completing the minimum spending and dreaming of using my miles and points!

2.  Application is Not Locked.  With Chase, I’ve noticed that the telephone representatives can manually process a credit card application if you call immediately, or a few days after applying.  There seems to be a period of time in-between where your application is “locked” for an automated review.

But calling the reconsideration line immediately after applying ensures that I can chat up the telephone representative, mention my banking and business relationship with Chase and negotiate approval for another card.

3.  Correct Glitches.  Sometimes, your application may appear like it has been submitted online, but there is no record of it in the bank’s systems.  This tends to happen with Citi applications.

For example, Emily applied for 2 Citi Hilton Reserve cards last week at the same time using the 2-browser trick.  She was immediately approved for 1, but got an “application pending” notice for the 2nd card.

We called the reconsideration line, but the representatives could not find her 2nd application!  We said that we applied for 2 personal Citi Hilton Reserve cards to separate our business and personal expenses because there isn’t a dedicated Citi Hilton Reserve Business credit card.

We called back a few times, but the reps couldn’t find her 2nd application.  So we submitted another application for the Citi Hilton Reserve, within 2 hours of Emily’s earlier application, which was instantly approved.

4.   Consolidate Credit Pulls.   I haven’t been able to figure out a pattern, but *sometimes* a bank will pull my credit score during the reconsideration process.  But if it is on the same day, the scores *might* get clubbed together and appear as only 1 inquiry on my credit report.

5.   Duplicate Applications.   American Express sometimes puts a second application for the same type of application on hold.  For example, suppose you apply for both a personal and business American Express Starwood card.

You may need to call the American Express reconsideration department to let them know that you intentionally applied for both versions and to release the second application for processing.

 Bottom Line

I usually prefer calling the reconsideration department as soon as I finish applying for credit cards online.  But I don’t have enough data to suggest that this is the optimal method for everyone.  As always, do what you’re comfortable with and what works for you!

 

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I was able to contact the Citi Reconsideration line after being approved for the AAdvantage and declined for the Hilton Hhonors Reserve for too many inquiries. The rep denied me. I called back 2 days later. The rep just stated that I would get a letter in the mail but I asked for a sup and got approved by moving some of the existing credit availability. I explained I am just maximizing my rewards and applying for cards that benefit me.

Credit One doesn’t seem to have a reconsideration department either.

I recently applied for AmEx Everyday and was denied. My Equifax score is 720; and my TU score is 690. The reasons AmEx gave were redundant, all stating in different words “too man inquiries.” My father and I have the same name, live at the same address and have Social Security Numbers that are only a few digits different. Most of the inquiries ( 22 in the last 12 months) are from him. They were racked up during the mortgage application process. I’ve disputed them with the CRAs, but I get the same response — “inquiries are a matter of record . . .” I tried to explain this to AmEx, but the folks at their Indian call center don’t want to hear it, and I’ve been discouraged from asking for a second review. Any suggestions on how to proceed? Thanks!

Barclays denied my Hawaiian Airlines Biz app due to “business being too new.” This is a legit rental property business that I’ve had for 6 months. Agent told me that they like to see an average of 3 years business history for approval, which is completely insane. New businesses need credit. My credit score is 812 and I only have one other card with Barclays which is 2 years old. Took my business to Chase and they approved me for the Ink Plus card. Not going to be giving any business to Barclays anymore and I’ll be cancelling the card I have with them.

I recently applied for my first credit card and as a reach, I applied for the Chase freedom card. I was denied about 3 weeks ago because of “too many inquiries” (bought a home about 6 months ago) and “high debt to income ratio” (recently finished medical school with loans around $200,000). I had all but given up on the card and was about to apply for one for “poor credit” when I read this post. I decided to call the chase reconsideration number and was approved for a $2000 limit in about 5 minutes! I just followed the advice and made sure I had a reason for their questions. (why this card, why I had no credit card to this point, and my low income to debt ratio). I am still in a little bit of shock! Thanks for the post!

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