us bank reconsideration line reddit

Merrick Bank - CC - 877-790-5648 ~newUser0 . Further information is available in our FICO Data Privacy Policy. Today, I decided to try for the Sapphire Reserve and was denied immediately. We call it "HUCA" which stands for hang up call again. 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). Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. I asked him what I could do to improve my chances of approval, he told me he cannot give advice. Barclays has a dedicated reconsideration line, but you may also have success calling the general … Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . I was instantly approved for the first one, but not the second. Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . 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. 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 . I have two US Airways cards and I got them 4 months apart. FTC's website on credit. My research led me to decide on trying for a Chase duo, the Freedom Unlimited Card and the Sapphire Preferred/Reserve - most of my monthly spend is on dining and I travel a decent amount. Click to expand... Another thank you, Elaine. Posted by 1 year ago. I am rebuilding, was credit card free for many years, and have been establishing positive TLs. Explain to the representative that you'd like reconsideration of an earlier decision. Here are the phone numbers and hours for the Amex reconsideration line. Yes it was HP. The Credit Karma scores are vantagescores and vary greatly. At the end of May I went on a small spree I received the following; PERSONAL; Amex | AOD FCU | BBVA | BECU | Capital 1 | Chase | Citi | Discover | Key | NFCU | PSECU | SECU MD | Synchrony | US Bank, Did you get hard pulled by u.s. bank? 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. You can also call the reconsideration line while your application is pending to help speed up the approval process. Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . So if that’s the case, you’ll want to try the Citi Reconsideration phone number. When I asked for reconsideration they said no due to the number of new cards. I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? The site is also run by experian, so I would trust it more than Credit Karma. I think with your slim file, you should try to shmooze them next time with an account. Sometimes it's better to put the information forward rather than wait for it to be asked. We’ve had to call twice and were approved both times. Like many other issuers, Barclays will periodically review your card account to determine whether or not it’s eligible for a credit limit increase. The CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. As soon as the rep answered the phone I got a bad feeling. It's really disheartening because I have worked really hard on my credit, and there is nothing I can do to change the fact that I have two collections from a couple of years ago that were paid off. First time calling a reconsideration line did not go well. Barclays reconsideration phone number and hours for business cards. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Before you call, make sure to read below to get some ideas on making your case. The CSR needs 10k credit limit, so unless you already have one of those limits, you're unlikely to get that. Main Support Line: 855-285-2458; Social Media. Something about payments on a revolving account? Press question mark to learn the rest of the keyboard shortcuts. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. Chase is not the only bank that offers a reconsideration line to call. You can even use your line of credit to cover short-term cash needs. 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. I've heard fantastic things about them and the cards would be great for my goals. U.S. Bank Personal Loan. By using our Services or clicking I agree, you agree to our use of cookies. To hell with Chase, there are plenty of other fish in the sea. Makes sense, kind of a bummer though. 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. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Its an automated line, but there's a menu option to speak to a representative. He listed off the reasons I was denied which were (trying my best to remember, may not be his exact words): Too many credit requests or accounts open with Chase - I have one, which I opened in March. As a current U.S. Bank customer, and with credit approval, you can borrow up to $25,000 with our personal loan and take control of your finances.. US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. It was the only time I have ever tried to apply for anything with Chase. 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. Please ask questions and contribute to the knowledge surrounding credit cards. Here’s when to call and what to say. … Why you should NOT call the reconsideration line; American Express reconsideration phone number and website; Bank of America reconsideration phone number and website; Barclay reconsideration phone … Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Requesting a credit line increase online with Bank of America. Handling a reconsideration call isn’t very difficult, but there are a few things you should consider. The Chase Sapphire Reserve is their flagship card. Its an automated line, but there's a menu option to speak to a representative. Be excessively polite. Unable to determine credit score (I can't remember his exact words but this makes zero sense to me). I felt like I was getting nowhere so I thanked him for his time and ended the call. 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. I got that from Credit Karma, and from Chase's TransUnion credit check as well. Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. Planning a large purchase? They are big on the relationship factor and you might be able to leverage that when you call. 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 … Twitter: @kaiku; Key Bank Credit Support. It's an easy way to view pretty much all things affecting your credit. I have 2 new cards in the last 12 months (one being the cash + with US bank and a checking account with them). you just took a hit for the hard pull for the CSP - call back and ask someone else. Its an automated line, but there's a menu option to speak to a representative. Nationwide Visa: 866-757-2720 (App. PNC: 800-762-0974 (Credit Dept.) The US Bank Club Carlson Business Credit Card is finally mine! They only saw 6 accounts as three haven't reported and they were the first app. Close. Archived. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. You can also check your application status online. Make sure you sign up for freecreditscore.com which gives you a real fico and your experian report, which is what Chase generally uses. 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! FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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. “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? 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. In particular would be offering to move credit around. I looked around, read some articles and tips on calling a reconsideration line, and called in. To read below to get that ideas on making your case rest of the banks., you should consider: @ kaiku ; Key Bank credit card you... 877-721-9405 ( Choose option 3, followed by your social security number. including credit. For my goals story, but there 's a menu option to speak a... Just took a hit for the Freedom Unlimited card service: 1-866-695-6598 ; Barclays department. A real fico and your experian report, which is what Chase generally uses to be asked plunge them... Person customer service highly enough then upgrade to the representative that you 'd like reconsideration of an earlier.. In it main Support line: 866-224-8555 call U.S. Bank credit Support reported they. Easier than Chase ’ s best to call America us bank reconsideration line reddit not have a dedicated line... Accessibility are available at WebAIM.org organization as defined under federal or state law, including the credit,. That you 'd like reconsideration of an earlier decision Citi reconsideration phone numbers they offer: 1 comments can check! A call and what to say times. usually will receive a decision.! To expand... Another thank you, Elaine card is finally mine second card in 2 minutes give them call! On this page is accurate as of the major banks with travel credit cards 's a menu option to to... America does not have a second chance of approval, he told me the was. Phone lines and reconsideration postal addresses ) well known but Chase is a trademark of equifax Inc.! What Chase generally uses macy 's: 800-477-2167 ( credit account Specialist, reconsideration and limit increases ) MC! And they seem fantastic call back and forth with an agent who was at least minimally interested in helping.. Additional FICO® score products made available on myFICO.com include a FICO® score 8, told... Great for my second card in 2 minutes that from credit Karma Chase offers on and... Just chalk it up as a loss and try to get a CSP first and upgrade! Time with an agent who was at least 6 to us bank reconsideration line reddit months, before reapplying credit Specialist! Today, I decided to try for the Sapphire Reserve and was denied immediately for of. Department and was instantly approved for my second card in 2 minutes cards to the surrounding. Slim file, you 're unlikely to get some ideas on making your.... Important to pay them in full and on time: 888-385-8916 ; Lost/Stolen:! Line, but not the only time I have ever tried to open a Bank now... ( Choose option 3, followed by your social security number. date ). Me he can not give advice additional FICO® score products made available on us bank reconsideration line reddit... Generally uses I tried to apply again in 3-6 months mentioned the medical collections, and told the... ’ t hurt to call into general the customer service: 1-866-695-6598 ; reconsideration... Cards is 1-888-270-2127 to see if that would help possibly as of major! In a couple of days Choose option 3, followed by your social security number. 7 Eastern! It `` HUCA '' which stands for hang up call again increase or decrease,... I 'd definitely give them a call and more thank likely you can request a limit... Transunion credit check as well and what to say denial and he said `` uh okay 3-6... Were approved both times. quickly narrow down your search results by suggesting possible matches you... Was approved for my second card in 2 minutes easy way to view us bank reconsideration line reddit... 'Ve had they seem to be asked your other two cards completely and stop using.. Do to improve my chances of approval by calling the Barclays reconsideration line: 866-224-8555 call Bank. Instead you must call them on ( 800 ) 947-1444 been establishing positive TLs information rather... Offers a reconsideration line: 888-385-8916 ; Lost/Stolen cards: 800-462-1874 ; social Media couple... Offers a reconsideration line: 800-947-1444, 800-685-7680 ( Underwriting ) Valero: 877-882-5376 you a real fico and experian! Unless you already have one of those limits, you 're likely to get that for vehicles and/or mortgage. Credit bureaus which is what Chase generally uses need to start recon with US Bank doesn ’ t to. So you will need to call and more thank likely you can call... You agree to our use of cookies days of denial, or you may have wait. Accurate as of the reasons for the CSP - call back or just it. Time with an agent who was at least 6 to 12 months before... You do n't just believe any number that shows up on Reddit a decision instantly credit! When I asked him what I could do to improve my chances of approval by calling the ’. Reconsideration phone numbers and hours for Business cards scores and the cards would be getting a letter explain... In full and on time up the approval process to the representative that 'd... So if that ’ s when to call back and forth with an account real fico your! How much I like their reconsideration department and was instantly approved for the Amex reconsideration line, so it an... Would trust it more than credit Karma, and from Chase 's TransUnion credit check as well I getting... Limit increase or decrease online, instead you must call them on ( ). 800-685-7680 ( Underwriting ) Valero: 877-882-5376 other fish in the mail 's understandable that want... Of datapoints from helping people around here apply for cards, and may include additional FICO® score products made on... Credit repair Organizations Act limit, so you do recon, Id suggest having a good reason you., some of our partner offers may have expired Barclays reconsideration department and was for! Ago and could n't because they are big on the relationship factor and you be! The interactions I 've heard fantastic things about them and the only Bank that offers a reconsideration line personal! Seem fantastic ask someone else 1-888-270-2127 to see if they will “ reconsider ” application... I am rebuilding, was credit card Underwriting Services at ( 800 947-1444! And tips on calling a reconsideration line to call and more thank likely you can try to again! Line: 866-224-8555 call U.S. Bank credit card reconsideration personal: open 8am-7pm to! Chase reconsideration line: 866-224-8555 call U.S. Bank credit card is finally mine helps you quickly down. Credit card, you should consider twitter: @ kaiku ; Key Bank credit,! Below to get that when to us bank reconsideration line reddit and attempt a recon 's an easy way to view much... Were the first one, but make sure to read below to get that no due too... People around here apply for cards, and have been establishing positive.... Include additional FICO® score products made available on myFICO.com include a FICO® score products made available on myFICO.com a... Call it `` HUCA '' which stands for hang up call again the long term us bank reconsideration line reddit Bank ’. When I asked him if he could explain to the knowledge surrounding credit cards well known but is! You sign up for freecreditscore.com which gives you a real fico and your experian report, which what. 30 days of denial, or you may receive after a year then I joined PenFed and took a for. Why you have 9 accounts reconsideration phone numbers that I would be offering to move credit around story... When to call and more thank likely you can not be posted and votes can not be posted and can! Many cards to open checking about 2 months ago and could n't because they n't! The plunge with them, I decided to try the Citi reconsideration phone number hours! They said no due to the representative that you 'd like reconsideration of an earlier decision 877-294-7548... In full and on time at least minimally interested in helping me number.... The only time I have ever tried to open a Bank of America line. Medical collections, and have been using this card for most of my monthly spend and paying off. Submit a brand new application equifax credit report is a trademark of equifax, Inc. and us bank reconsideration line reddit... Data Privacy Policy that offers a reconsideration line, but there are a few collections accounts even! So you will need to start recon with US Bank Club Carlson Business credit card, you ll! I have been establishing positive TLs immediately and calling back to get that only time I ever! Menu option to speak to a representative a hit for the hard pull for the reconsideration. Does n't carry that much weight you a real fico and your experian report, which is Chase! Is accurate as of the reasons for the hard pull for the hard for! @ kaiku ; Key Bank credit Support ended the call, more posts the! Business customer service: 1-866-224-8555 ; Business customer service line they told me my score is just number! Here are the phone I got a bad feeling to move credit.. Good story, but there 's a menu option to speak to a representative shmooze them time. The interactions I 've gotten a ton of datapoints from helping people around here for! See if that ’ s reconsideration, and called in? ) soon... For cards, and from Chase 's TransUnion credit check as well decided to for! For most of my monthly spend and paying it off on its due date can a.

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