Your guide to calling a credit card reconsideration line

Credit card issuers have the final say over whether or not your application is approved, and they rely on data like your credit score, income and history with the issuer to make that decision. Obviously, the goal is to get as many of your applications approved as possible, and you can help your chances by applying for cards that match your credit profile and studying up on credit card application rules.

That being said, rejections are bound to happen.

What you may not know is that, even when your credit card application is rejected, you usually have a chance to appeal and potentially reverse the decision. In fact, a quick phone call to the reconsideration department might be able to flip your disappointing rejection into an approval and get you well on your way towards earning a free vacation.

Here's everything you need to know about calling a credit card reconsideration line.

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While credit card issuers still employ human underwriters, most application decisions are made automatically by a computerized system that can make mistakes. Because of the risk and cost involved in accidentally approving applicants who are considered risky, these mistakes tend to skew toward the conservative side — in other words, rejecting applicants who meet the application rules, are creditworthy and likely should be approved.

Related reading: 8 ways to maximize your chances of being approved for a credit card

This is where the reconsideration department comes in. While not every issuer has a separate, dedicated reconsideration department, most major card issuers have underwriting agents with the authority to review applications that have been rejected and reverse the decision (i.e. approve the application) if there's good reason to do so.

Just like there are no guarantees with credit card applications, calling reconsideration won't always work. Your odds of success vary heavily depending on the reason for your denial (for more information, see the section on case studies below). However, it's worth if you think there's a slight chance in turning a "no" into a "yes" on the card. This most frequently happens with a denial that's open to interpretation, rather than being denied for a clear violation of a published bank policy.

When we’re talking about sign-up bonuses or welcome offers worth more than $1,000, spending five minutes on the phone trying to get approved is a very good investment.

Normally, your application "expires" 30 days after you submit it. If your application for a card is denied and you're hoping to get the decision reversed, it's better to call sooner rather than later. You can wait for the bank to notify you of the denial — if not denied immediately — but you may also need to wait if your application goes to pending. This happens when the system doesn't give you an immediate decision; usually you'll see a message like, "We’ll inform you of our decision within 7-10 business days."

Related reading: How bad is it to get denied for a credit card?

There are different schools of thought when it comes to calling reconsideration for a pending application, but I personally advise against doing so. Humans and computers think in different ways, and if your application was going to get approved eventually (even if you had to wait a week), it's better to let that play out without putting additional eyes on your file. This is especially true if you apply for many credit cards and have a significant number of recent inquiries on your report.

The only time I’d recommend calling reconsideration for a pending application is if you need the card immediately. Maybe you have a large purchase coming up that would meet the sign-up bonus requirements in one fell swoop. Maybe you're heading out of town and want to use that card before it sits in your mailbox for the next two weeks unattended.

In situations like these, explaining your sense of urgency and asking for the card to be expedited in the mail can help.

Related: Debunking credit card myths: What can you do if your application isn't immediately approved?

The easiest way to contact your card issuer's reconsideration department is to simply call the main customer service line and ask to be transferred to reconsideration. Sometimes you’ll get a contact number with your denial letter.

You can also call the direct lines for most banks’ reconsideration departments to avoid dealing with an automated menu or waiting to be transferred. Unlike general card customer service departments that operate 24/7, many reconsideration agents are only available certain times of the day (though the exact hours may vary by bank). Keep this in mind when planning your calls.

Here are some of the main card issuer's reconsideration numbers to try, courtesy of Doctor of Credit:

Before you talk to a reconsideration agent, it's worth spending some time doing your homework and preparing what you’ll say. I always open my call with some version of the following:

"Hello, I recently applied for (insert name of card) and was surprised to see that my application (was rejected/wasn't instantly approved). I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered."

The Credit Card Accountability Responsibility and Disclosures Act (CARD Act) of 2009 requires issuers to explain to you in writing the reason your application was rejected. It's very important to have this piece of information before you call the reconsideration line so you can politely explain to the agent why the concerns the bank raised aren't relevant and you would, in fact, make a great customer.

Remember: the point of this call is to counter the reasons for denial. Stay laser-focused on those, since the only way to turn a denial into an approval is to alleviate the bank's concerns that resulted in a denial in the first place.

It's not enough to simply say, "I really want this card, is there anything you can do?" You need to understand the reasons your application was rejected in the first place and come prepared to argue against them. Let's take a look at a few examples.

Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. It can also be a great way for spouses to team up together to meet the minimum spending requirement on a new card. Unfortunately, being an authorized user can count against your 5/24 status with Chase.

Let's say your spouse or partner opens a Chase Sapphire Preferred Card and adds you as an authorized user to help meet the minimum spending requirement. After a few months, you decide to apply for a new Sapphire Preferred card to earn your own sign-up bonus. Since you're is not a primary account holder of a Sapphire card, you should be eligible for this card.

However, we know the computer systems often reject people in your situation — with reasons like "you already have or have recently had this card."

In that case, you could call the Chase reconsideration line and explain that you're an authorized user on your spouse's Sapphire Preferred but not the primary account holder. Thus, you never had this card on your own and should be eligible to open one for your own slew of benefits. While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval.

The same concept applies if you have been added as an authorized user and an automated system flags these new accounts as being your own, thus considering you to be over Chase's 5/24 rule. Asking the phone representative to count the number of accounts where you are just an authorized user and remove those from consideration should be simple and should help the rep know that you aren't, in fact, over 5/24.

This can also come into play if you've recently closed a card to "free up" a slot for a new one, which is especially applicable with American Express. You're currently limited to just five credit cards with Amex, and when you cancel one, it could be a matter of weeks before it no longer appears on your credit report. TPG director of content Nick Ewen recently was denied for the Delta SkyMiles® Reserve American Express Card because he had too many Amex accounts — even though he had canceled his Delta SkyMiles® Gold American Express Card three days earlier.

The computer system didn't see this cancellation yet, so he was immediately rejected. However, after calling an agent and having his application manually reviewed, Amex saw that he did (in fact) have an open slot for the Delta Reserve, and he was approved.

Banks all have their own internal formulas to calculate how much total credit they’re willing to extend to an individual. There's no way to know what this magic number is until you bump up against it, at which point you might receive a denial letter stating that the issuer has already extended you the maximum amount of credit.

The good news is that this is usually one of the easiest denials to get overturned.

Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. That way, you can be approved without the bank having to extend you any new credit.

Just keep in mind that every card has a minimum amount of credit you can have on it (usually $1,000 or more), so you’ll have to move enough to the new card in order to open it while still leaving credit behind on the other card. For example, you could say something like this:

While this was previously possible with Capital One, the issuer no longer will shift credit from existing accounts to create new accounts.

Related: 6 lessons I learned from my rejected credit card applications

Reconsideration works best when the application has incomplete data (in the case of our authorized user example above) or when the reason for the rejection is more subjective. Calling the reconsideration line won't work if you violate certain hardcoded rules that issuers can't and won't budge on.

For example:

Finally, calling reconsideration is almost certain to fail if you are argumentative. You may think the denial reason is subjective and doesn't make sense. However, being belligerent on the phone will not help you get approved for a card.

Getting rejected for a credit card is disappointing, but it doesn't have to be the end of the road. Spend some time reading your denial letter to understand what went wrong, map out your case and then call reconsideration. You may get lucky and get your denial reversed. Then again, you may not.

Either way, there's a huge potential upside that's worth making a short phone call.