What do you say to a credit card reconsideration?
5 Things to Say to Overturn a Denial on a Credit Card Application
- Start the call with a friendly greeting. Example: “Hi, (representative’s name). …
- Mention why you’d be a good cardholder. …
- Ask for a reconsideration. …
- Point out one or two benefits you like (except the sign-up bonus) …
- Address the denial reason.
Can you ask a credit card company to reconsider?
The easiest way to contact your card issuer’s reconsideration department is to simply call their main customer service line and ask to be transferred to reconsideration. Sometimes you’ll get a contact number with your denial letter.
When should you call a reconsideration line?
You can also call the reconsideration line while your application is pending to help speed up the approval process. It’s best to call within 30 days of denial, or you may have to submit a brand new application. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127.
How do you call a reconsideration line?
Start by looking at the explanation of why you were denied approval of your credit application. Then gather any information that you think Chase should take into account, including the denial letter, and call the reconsideration line at 888-270-2127.
How do I dispute a credit card rejection?
If your application was rejected, ask the issuer to reconsider, try for another card or reapply later.
If you are denied credit, you can take a few steps, including:
- Improve your credit and reapply.
- Call the card issuer’s reconsideration line.
- Try for a different credit card.
Does credit card reconsideration affect credit score?
However, filing a new application means you’ll get another inquiry on your credit report, which could hurt your credit score. With reconsideration requested within 30 days of submitting an application, you’ll get a second chance at an approval without the hard credit pull that a new application would cause.
Does Capital One reconsideration?
The Capital One credit card reconsideration process works by calling their application phone number at 1-800-695-5500 or customer service at 1-800-227-4825, since they don’t have a dedicated line for it. You’ll have a chance to make your case and to explain why they should reconsider declining your application.
How do I get a reconsidered Chase credit card?
You can ask Chase to reconsider your application by calling (888) 270-2127. One of Chase’s credit analysts will talk to you and take another look over your application materials. There’s no guarantee that anything will change, but it’s possible.
Does 7-10 days mean denial?
7-10 Days Status Message
A 7-10 day message typically means that your application has been denied. You can either wait for the rejection letter or call Chase reconsideration line at 1-888-270-2127 and plead your case.
Does Capital One deny you right away?
It can take 7–10 days to get approved for a Capital One credit card, if you’re not approved instantly when you apply. Online and phone applications generally result in an instant response. You can expect to have your Capital One credit card in hand 7 to 10 business days after approval.
What is a reconsideration line?
A credit card reconsideration line is a special phone number you can call to speak with customer service after your application for a credit card has been rejected. Some credit card issuers have dedicated reconsideration lines that you can call.