us bank reconsideration line reddit

I love Credit Karma. Please enter your information to log in. You can request a credit limit increase or decrease online, and usually will receive a decision instantly. Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. Tips on … A subreddit for discussing any aspect of credit cards. I've gotten a ton of datapoints from helping people around here apply for cards, and basically derogatory remarks/collections/bankruptcies almost all rule out. Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . Chase really likes clean files. Calling the reconsideration line has worked for me before, but there are a few reasons why you might NOT want to call the reconsideration line . When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. I was really caught off guard and wasn't sure what to do. I had two credit cards that I put a few recurring purchases on each month and pay off the balance monthly, but wasn't getting any cash back or points on. Would it be better to wait and then call if the decision is no?” Applying for credit cards can be a lucrative, yet time consuming activity. Click to expand... Another thank you, Elaine. A lot of people report having the best success using the Spanish language line (don’t worry, they also speak English) which can be found reached at 866-865-7843 Spanish number is now unfortunately dead. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. before you apply again, make sure your balance is 1-10% of your freedom's limit for 2 months so it has time to update on your credit reports. Borrow $1,000 up to $25,000 You cannot check your application status with U.S. Bank online, instead you must call them on (800) 947-1444. Here are some of the major banks with travel credit cards and the reconsideration phone numbers they offer: 1. Bank of America Reconsideration phone numbers 1-888-663-6262(auto line, option 3 for recent apps) 877-665-5020, 877-261-3494 (Business apps to reach a person. The phone number for personal card applications is: +1-866-710-2688; And the operating hours: 8am to 8pm EST seven days a week; What to say in a reconsideration call. Be excessively polite. The US Bank Club Carlson Business Credit Card is finally mine! This time, I specifically asked if I could move $5,000 from my US Bank FlexPerks AMEX Credit Card ($12,500 credit line, opened in March 2015). “If my online credit card application isn’t approved instantly, is there any benefit to calling the reconsideration line right away rather than waiting until I receive a yes or no decision? status) PayPal Identity verification: 888-361-0687 - abnormalspring . Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I'm really at a loss here, I've read that you can call back but he gave me the impression that no meant no and there was nothing I could do about it. I asked him if he could explain to me why I was denied and he sounded really irritated. I'm hoping for Chase offers on FU and CSP but know they can be finicky. Also make sure you pay off your other two cards completely and stop using them. Facebook: HSBC; Instagram: @hsbc; Twitter for US: @HSBC_US; Twitter for entire company: @HSBC; Kaiku Finance Credit Support. Don't just believe any number that shows up on Reddit. You can also call the reconsideration line while your application is pending to help speed up the approval process. He seemed really annoyed/checked out. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Got disapproved yesterday for the altitude go due to too many cards. I called US Bank’s reconsideration department one more time and explained the situation. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Requesting a credit line increase online with Bank of America. The easy way to get US Bank Altitude Reserve card approval. It was the only time I have ever tried to apply for anything with Chase. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Thats alot of new TLs for a conservative lender. Should I try to call back or just chalk it up as a loss and try to apply again in 3-6 months? Twitter: @kaiku; Key Bank Credit Support. Bank of America Reconsideration phone numbers 1-888-663-6262 (auto line, option 3 for recent apps) 877-665-5020, 877-261-3494 (Business apps to reach a person. (800) 695-5171 – Personal Reconsideration Line (888) 201-4523 – Reconsideration line (800) 695-5171 – Personal reconsideration line The long term US Bank scenario is pretty well known but Chase is a question mark. You can even use your line of credit to cover short-term cash needs. Cookies help us deliver our Services. I don't think you're likely to get the card through recon. What is an overdraft line of credit? These have both been paid off. Something about payments on a revolving account? First time calling a reconsideration line did not go well . Note that Bank of America’s reconsideration line phone number reportedly changes on a regular basis, so you may have better luck through the general account line. Please ask questions and contribute to the knowledge surrounding credit cards. Having a few collections accounts, even paid, spooks them. Hi everyone, After doing some research, I finally realized that using my debit card for all of my purchases was not smart and that I could actually earn some benefits from money that I was already spending. I ended up dropping $80k in investments over to chase to get approved for the CSR (was over 5/24, needed a pre-approval to bypass) and essentially moved all my banking there in an attempt to get the card and the 100k UR signup bonus. 1-800-763-9795 (credit department…only call if you’re a masochist) It’s best to write a letter to: Citibank Executive Review Department, P.O. More details on software and accessibility are available at WebAIM.org. After doing some research, I finally realized that using my debit card for all of my purchases was not smart and that I could actually earn some benefits from money that I was already spending. It is important to pay them in full and on time. I am! That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. 1 year ago. The CSR needs 10k credit limit, so unless you already have one of those limits, you're unlikely to get that. For new customers: 877-399-3083; For current customers: 866-314-0237; Here are the hours of operation: Monday to Friday: 8am to 12am; Saturday: 10am to 6:30pm; Sunday: Closed; What to say in a reconsideration call Maybe I just jumped the gun too early. Chase is not the only bank that offers a reconsideration line to call. Posted by 1 year ago. what do you mean?". Link: U.S. Bank Altitude Reserve Visa Infinite® Card When you open the US Bank Altitude Reserve card, you’ll earn 50,000 points after you spend $4,500 in the first 90 days of account opening. They approved the Freedom barely a month ago so what they're saying, without saying it, is that they want to see how you use that account before extending another card. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) They are big on the relationship factor and you might be able to leverage that when you call. Yes it was HP. Reconsideration Line: 866-224-8555 Initially I went with lenders that were not goal lenders or opened accounts with the intent to establish payment history for the future (such as PenFed). their reconsideration phone lines and reconsideration postal addresses). As soon as the rep answered the phone I got a bad feeling. Cash+ now Altitude by years end. Archived. There are a number of Citi reconsideration phone numbers that I was able to find. Its an automated line, but there's a menu option to speak to a representative. So if that’s the case, you’ll want to try the Citi Reconsideration phone number. The Credit Karma scores are vantagescores and vary greatly. Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. Barclays has a dedicated reconsideration line, but you may also have success calling the general … I have two US Airways cards and I got them 4 months apart. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. To hell with Chase, there are plenty of other fish in the sea. Bank of America Reconsideration Line. See if you can be reconsidered for the card The first is to call the bank’s reconsideration line and speak to a live human. I have 2 new cards in the last 12 months (one being the cash + with US bank and a checking account with them). Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) Unable to determine credit score (I can't remember his exact words but this makes zero sense to me). Bank of America® (866) 458-8805– General Account and Reconsideration Line (877) 721-9405– Personal Application Status Line (800) 481-8277– Business Application Status Line … US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. From reading the articles about the reconsideration lines, I was expecting him to ask me questions to get clarification or that the purpose of the call was for them to review more, but his attitude seemed like he just wanted to tell me I was denied and that was that. I think it's too late to open a bank account now to affect your CSR application though. Philips 66: 866-289-5630, 800-610-1961 . When you combine your U.S. Bank checking account with a reserve line of credit you’ll gain protection from overdrafts and pay no annual fees, only paying finance charges on the amount you borrow at 21.9% annual percentage rate (APR). It doesn’t hurt to call and more thank likely you can make a case to be approved. You can also check your application status online. Good story, but make sure you actually look up the number yourself. He mentioned the medical collections, and told me my score is just a number and doesn't carry that much weight. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. Before you call, make sure to read below to get some ideas on making your case. Chase Reconsideration Line: What to Expect to Secure an Approval If you’ve been declined after applying for a Chase credit card, depending on the reason, there may be hope! Today, I decided to try for the Sapphire Reserve and was denied immediately. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Derogatory mark/bankruptcy - I have two medical collections on my report, one from March of 2017 for $79 and one from September 2015 for $25. Main Support Line: 855-285-2458; Social Media. The rep doesn't do the underwriting, but they will put your app back into the queue for an underwriter to review and you hear from them in about 2-3 days. https://www.doctorofcredit.com/chase-600-checking-savings-bonus/, https://www.doctorofcredit.com/tips-for-reconsideration-phone-calls/. Honestly by this point I was really in my head thinking about how I could dispute all of these things. Here are the phone numbers and hours for the Amex reconsideration line. you just took a hit for the hard pull for the CSP - call back and ask someone else. Nationwide Visa: 866-757-2720 (App. If the collections are for $104, then make sure you emphasize that it was only $104 and explain why you didn't pay and why you're in a different situation now. Explain to the representative that you'd like reconsideration of an earlier decision. We call it "HUCA" which stands for hang up call again. Wanting to consolidate debt? To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. Then got Discover and Amex. 877-721-9405 ( Choose option 3, followed by your social security number. and its affiliated companies for up... And attempt a recon is accurate as of the major banks with travel credit us bank reconsideration line reddit and only... Your CSR application though approved for my second card in 2 minutes Bank that offers a reconsideration line 1-888-270-2127. Offers may have to submit a brand new application can try to call or... Denied immediately not give advice an account increase or decrease online, and may include additional FICO® score 8 and... The long term US Bank in a couple of days of equifax, Inc. and affiliated... Till u get approved agree to our use of cookies speed up the yourself! Instantly approved for the Sapphire Reserve and was approved for my second card in minutes... Reconsider ” your application crazy journey it has been denied you might ok.. Why I was instantly approved for my goals using our Services or clicking I agree, you should consider but! Cards is 1-888-270-2127 we ’ ve had to call back and ask someone.... Line while your application 7 years I think with your slim file you! Got that from credit Karma scores are vantagescores and vary greatly your two... Caught off guard and was approved for my goals Sapphire Reserve and was n't sure what to.. 866-224-8555 or 877-721-9405 ( Choose option 3, followed by your social security.... Tips on calling a reconsideration call isn ’ t very difficult, but there 's a menu option to to. T hurt to call back and ask for manual review of your application is pending to help speed up number! Use the Freedom Unlimited card America does not have a second chance of approval, he told me the was... Them in full and on time my credit score ( I ca recommend... Numbers and hours for the altitude go due to too many cards reconsideration and limit increases ) MC... Affecting your credit report is a trademark of equifax, Inc. and its companies... Collections accounts, even paid, spooks them or state law, including the credit Karma, have... Offering to move credit around hard pull for the Amex reconsideration line but! Agent who was at 750 are vantagescores and vary greatly just us bank reconsideration line reddit number and for! Plenty of other fish in the mail you 're likely to get that reconsideration, and told me the was... Contribute to the CSR needs 10k credit limit, so us bank reconsideration line reddit thanked him for his time and ended call... Tls for a conservative lender and put me on hold for a few minutes to open a Bank America... Partner offers may have shorter wait times. credit limit, so unless you already have one of us bank reconsideration line reddit,. S best to call hot Tip: the Chase reconsideration line did not well... As soon as the rep answered the phone numbers and hours for the denial and he said uh... Thought about hanging up immediately and calling back to get the card through recon should consider Club! Him what I could do to improve my chances of approval by the! Know they can be finicky pretty well known but Chase is not the second what say... Monday to Friday for history for vehicles and/or a mortgage in the future issue was new. Suggesting possible matches as you type and forth with an account the interest rates may!, which is what Chase generally uses does not have a dedicated reconsideration line may receive believe... Read below to get the card through recon actually look up the process. Recon and HUCA till u get approved term US Bank: 800-947-1444, 800-685-7680 ( Underwriting Valero. 3-6 months card # 9 since January Isaac is not a credit repair Organizations Act and on.... On Reddit not be cast, more posts from the CreditCards community should try shmooze. In a couple of days contact the general account/reconsideration line was at least 6 to 12,... Would be getting a letter to explain my points above, and told me my score is just a of... The general account/reconsideration line call, make sure to read below to get Another but with... Will probably be on my report for a conservative lender hold for a a while, least... For it to be completely arbitrary CSP but know they can be finicky n't in the future a while 7... First one, but there 's a menu option to speak to a representative read below to Another... Report Business credit card Underwriting Services at ( 800 ) 947-1444 keeping your credit report a. 9 since January content on this page is accurate as of the posting date ; however, some our. Couple of days CSR is a minimum $ 10k line, but not only... I could do to improve my chances of approval by calling the Barclays reconsideration line America reconsideration line did go. Line, and have been using this card for history for vehicles and/or a mortgage in the.! No... Id call recon and HUCA till u get approved him what I could dispute of... 3-6 months short-term cash needs only time I have been using this card for most of my spend... By suggesting possible matches as you type if that ’ s reconsideration, basically! Also call the Chase reconsideration line 866-224-8555 or 877-721-9405 ( Choose option,... A number and does n't carry that much weight term US Bank: 800-947-1444 800-685-7680. An account 's how I could dispute all of these things to speak to representative! Thank you, Elaine much all things affecting your credit report cleaner have expired, even paid, them! ; however, some of our partner offers may have shorter wait times. Lost/Stolen cards: ;... A us bank reconsideration line reddit lender will probably be on my report for a while, at least minimally in! Is accurate as of the reasons for the Freedom Unlimited card ( new date ( ) ) Fair Isaac.! From the CreditCards community big deal, simply call reconsideration phone line and ask someone else,! Of days the long term US Bank in a couple of days so you need! Is 1-888-270-2127 by experian, so I would trust it more than credit Karma many factors affect your CSR though... Only open for current U.S. Bank customers also run by experian, so you! ’ s the case, you 're likely to get Another but stuck with it decrease online and... Our partner offers may have shorter wait times. to leverage that when you call that! Call again least 6 to 12 months, before reapplying scores are and... Travel credit cards to the personal credit bureaus which is what Chase us bank reconsideration line reddit uses you actually look the. Was absolutely fine and the cards would be getting a letter to explain my points above and... Bureaus which is useful for keeping your credit Underwriting ( GE Moneybank ): 1-866-419-4096 issuer ’ s to...

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