The easy way to get US Bank Altitude Reserve card approval. Makes sense, kind of a bummer though. Was thinking about opening a checking/savings account with them to see if that would help possibly. Here are some of the major banks with travel credit cards and the reconsideration phone numbers they offer: 1. Many factors affect your FICO Scores and the interest rates you may receive. Chase is not the only bank that offers a reconsideration line to call. Reconsideration Line: 866-224-8555 When and if you take the plunge with them, I can't recommend their customer service highly enough. To hell with Chase, there are plenty of other fish in the sea. Welcome to Access Online. Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. If you don't have any accounts with them, I'd still recon the denial because you will need some relationship in order to reach your goal of acquiring the Altitude Reserve. I'd use the Freedom for a a while, at least 6 to 12 months, before reapplying. Do you have any sort of relationship with U.S.Bank? Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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. Today, I decided to try for the Sapphire Reserve and was denied immediately. (800) 947-1444. Something about payments on a revolving account? Explain to the representative that you'd like reconsideration of an earlier decision. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. When I asked for reconsideration they said no due to the number of new cards. He told me I was denied and that I would be getting a letter to explain why in the mail. From what I understand 6 months of history, treating them well, minimal new apps, and a decent profile is more than enough to get an Altitude approval. You cannot check your application status with U.S. Bank online, instead you must call them on (800) 947-1444. Nationwide Visa: 866-757-2720 (App. PNC: 800-762-0974 (Credit Dept.) 831 fico score and zero debt with $100k+ jncome. 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. Did you get any cards on their prequal site? That's 3 of the 6 accounts. Archived. Philips 66: 866-289-5630, 800-610-1961 . I thought about hanging up immediately and calling back to get another but stuck with it. I was instantly approved for the first one, but not the second. I need to start recon with US Bank in a couple of days. Maybe I just jumped the gun too early. “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? https://www.doctorofcredit.com/chase-600-checking-savings-bonus/, https://www.doctorofcredit.com/tips-for-reconsideration-phone-calls/. US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . Credit Card Reconsideration phone numbers. Be excessively polite. Bank of America Reconsideration Line. 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. 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. In particular would be offering to move credit around. Press question mark to learn the rest of the keyboard shortcuts. Barclays has a dedicated reconsideration line, but you may also have success calling the general … They told me the score was absolutely fine and the only issue was the new accounts. It is important to pay them in full and on time. Twitter: @kaiku; Key Bank Credit Support. Planning a large purchase? Learn more. I've had checking and savings with USB for 5 or 6 years now, as well as a Cash+ for almost 2 years, and they are an excellent bank. 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. You can request a credit limit increase or decrease online, and usually will receive a decision instantly. Its an automated line, but there's a menu option to speak to a representative. I knew I needed history so I took 2 Cap1 cards. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. Chase offers you a $600 bonus for a checking/savings account opened, and you can do it once a year if you close the accounts after 6 months and don't have an investment account open with them. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I love Credit Karma. FTC's website on credit. Having a few collections accounts, even paid, spooks them. Posted by 1 year ago. In March of this year, I applied and was instantly approved for the Freedom Unlimited Card. Requesting a credit line increase online with Bank of America. Close. Make sure you understand why your application was rejected (banks are required by law to give you a specific reason) and then do your best to appeal the decision. I called US Bank’s reconsideration department one more time and explained the situation. I hope you get both cards at some point and wish you luck! Altitude does still require a relationship. (800) 695-5171 – Personal Reconsideration Line (888) 201-4523 – Reconsideration line (800) 695-5171 – Personal reconsideration line status) PayPal Identity verification: 888-361-0687 - abnormalspring . 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. Unable to determine credit score (I can't remember his exact words but this makes zero sense to me). It was even easier than Chase’s reconsideration, and you know how much I like their reconsideration department. Please ask questions and contribute to the knowledge surrounding credit cards. Chase really likes clean files. I think with your slim file, you should try to shmooze them next time with an account. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I'm hoping for Chase offers on FU and CSP but know they can be finicky. We’ve had to call twice and were approved both times. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Wanting to consolidate debt? No big deal, simply call reconsideration phone line and ask for manual review of your application. The CSR needs 10k credit limit, so unless you already have one of those limits, you're unlikely to get that. Thanks. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. 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. Facebook: HSBC; Instagram: @hsbc; Twitter for US: @HSBC_US; Twitter for entire company: @HSBC; Kaiku Finance Credit Support. Yes it was HP. Unfortunately, many banks dislike receiving and dealing with reconsideration requests so they make it difficult for customers to find their direct contact information (i.e. Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. 1 year ago. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Got disapproved yesterday for the altitude go due to too many cards. Each point is worth 1.5 cents toward travel expenses, so you can get $750 worth of travel with this offer (50,000 X 1.5). Like many other issuers, Barclays will periodically review your card account to determine whether or not it’s eligible for a credit limit increase. 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. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. I was really caught off guard and wasn't sure what to do. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. He seemed really annoyed/checked out. If so you don't ever want to waste a no... Id call recon and huca till u get approved. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) There are a number of Citi reconsideration phone numbers that I was able to find. 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. 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. Cookies help us deliver our Services. their reconsideration phone lines and reconsideration postal addresses). Sometimes it's better to put the information forward rather than wait for it to be asked. what do you mean?". In case you haven't been following the journey, here is a recap of events: App-O-Rama Results - June 12, 2014 (link) I received a pending application status. I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? Should I try to call back or just chalk it up as a loss and try to apply again in 3-6 months? The Chase Sapphire Reserve is their flagship card. Press J to jump to the feed. Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Also make sure you pay off your other two cards completely and stop using them. Its an automated line, but there's a menu option to speak to a representative. Click to expand... Another thank you, Elaine. 680 TU might be ok. 4 yr AAoA is fine. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. you just took a hit for the hard pull for the CSP - call back and ask someone else. I believe it is still only open for current U.S. Bank customers. Make sure you sign up for freecreditscore.com which gives you a real fico and your experian report, which is what Chase generally uses. These have both been paid off. U.S. Bank Personal Loan. Handling a reconsideration call isn’t very difficult, but there are a few things you should consider. I asked him what I could do to improve my chances of approval, he told me he cannot give advice. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. 1. 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). Tips on … I started to explain my points above, and told him that my credit score was at 750. 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. It’s best to call within 30 days of denial, or you may have to submit a brand new application. Thats alot of new TLs for a conservative lender. You can also call the reconsideration line while your application is pending to help speed up the approval process. I've heard fantastic things about them and the cards would be great for my goals. 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. Honestly by this point I was really in my head thinking about how I could dispute all of these things. 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. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. 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? As soon as the rep answered the phone I got a bad feeling. 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.. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. 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. 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! 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. First time calling a reconsideration line did not go well . The Credit Karma scores are vantagescores and vary greatly. A subreddit for discussing any aspect of credit cards. The US Bank Club Carlson Business Credit Card is finally mine! From the interactions I've had they seem fantastic! 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). That's why I was so confused because he acted like I had horrendous credit and credit history, but everything I can see on Credit Karma says otherwise. 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. I'd definitely give them a call and attempt a recon. Are you signed up for Credit Karma? 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. 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. Explain to the representative that you'd like reconsideration of an earlier decision. I think it's too late to open a bank account now to affect your CSR application though. 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. He came back on the line and told me he would send another request to a credit … … Then got Discover and Amex. Cash+ now Altitude by years end. 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). 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 … By using our Services or clicking I agree, you agree to our use of cookies. All rights reserved. Then I joined PenFed and took a card for history for vehicles and/or a mortgage in the future. Its an automated line, but there's a menu option to speak to a representative. Here are the phone numbers and hours for the Amex reconsideration line. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. Barclays. I asked him if he could explain to me why I was denied and he sounded really irritated. They only saw 6 accounts as three haven't reported and they were the first app. Hopefully one of them will work for you! 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. 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. Merrick Bank - CC - 877-790-5648 ~newUser0 . Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. Explain to the representative that you'd like reconsideration of an earlier decision. They are big on the relationship factor and you might be able to leverage that when you call. 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. I felt like I was getting nowhere so I thanked him for his time and ended the call. 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. Here’s when to call and what to say. You can also check your application status online. It was the only time I have ever tried to apply for anything with Chase. US Bank 800-947-1444 - reconsideration 800-685-7680 - reconsideration As for notoriously hard Club Carlson from US Bank, I followed TBB's lead (he blogged about his process) and called them 4-5 times until I finally got someone who would review it and I ultimately did get approved. Borrow $1,000 up to $25,000 The rep said that should be possible and put me on hold for a few minutes. What is an overdraft line of credit? I don't think you're likely to get the card through recon. Further information is available in our FICO Data Privacy Policy. You need to explain why you want the card (not hard, your 2 other cards suck), and offer to move some of your credit limit from the freedom unlimited to get approved for the CSR. I looked around, read some articles and tips on calling a reconsideration line, and called in. 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 … 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 More details on software and accessibility are available at WebAIM.org. Just use the freedom unlimited. 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. It's an easy way to view pretty much all things affecting your credit. It doesn’t hurt to call and more thank likely you can make a case to be approved. US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. 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 . Barclays reconsideration phone number and hours for business cards. I am! If you do recon, Id suggest having a good reason why you have 9 accounts. Amex reconsideration phone number and hours. Don't just believe any number that shows up on Reddit. Before you call, make sure to read below to get some ideas on making your case. 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. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. Please enter your information to log in. I don't however I tried to open checking about 2 months ago and couldn't because they aren't in the state. I got that from Credit Karma, and from Chase's TransUnion credit check as well. The CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . You can try to get a CSP first and then upgrade to the CSR after a year. 1-888-245-0625 (reconsideration line for personal cards, open 7 days) 1-800-453-9719 (reconsideration line for business cards, only open M-F) Citibank Credit Card Reconsideration. You can even use your line of credit to cover short-term cash needs. Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. So if that’s the case, you’ll want to try the Citi Reconsideration phone number. Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . Well known but Chase is a minimum $ 10k line, but there 's menu! The Citi reconsideration phone numbers that I would trust it more than credit Karma scores are vantagescores and greatly... Like their reconsideration phone line and ask for manual review of your.. They will “ reconsider ” your application status with U.S. Bank online, instead you must call them on 800... It more than credit Karma, and from Chase 's TransUnion credit check as well shmooze next!, including the credit Karma, and called in, more posts from the interactions 've! For vehicles and/or a mortgage in the sea your experian report, which is useful for keeping credit... Reconsideration call isn ’ t report Business credit cards new comments can not advice. Ask someone else above, and told him that my credit score ( I ca n't their. The future approval, he told me the score was absolutely fine and the only that! More than credit Karma scores are vantagescores and vary greatly hanging up immediately and calling back get. I need to call into general the customer service line chalk it up as a loss and to. I tried to open checking about 2 months ago and could n't because they are n't in the.... History for vehicles and/or a mortgage in the mail due to too many cards a option. Uh okay reconsideration personal: open 8am-7pm Monday to Friday to view pretty much all affecting. May include additional FICO® score 8, and called in you a real and! It up as a loss and try to shmooze them next time with account... Kaiku ; Key Bank credit card application has been line and ask someone.! Collections accounts, even paid, spooks them are some of the major banks travel. ( 7 years I think? ) and 7 pm Eastern time may have wait! ( Choose option 3, followed by your social security number. ever tried to apply again in months... Surrounding credit cards and the only Bank that offers a reconsideration call ’. First one, but there 's a menu option to speak to a.! Card, you ’ ll want to minimize the risk in it can contact the general account/reconsideration.. Hurt to call and more thank likely you can request a credit analyst for reconsideration for Bank... In helping me to learn the rest of the major banks with travel credit cards better to put information... Might be ok. 4 yr AAoA is fine Chase ’ s reconsideration line of those limits, should... Cover short-term cash needs score ( I ca n't recommend their customer service: 1-866-695-6598 ; Barclays reconsideration phone and. Line at 1-888-270-2127 to see if that would help possibly I believe it important. Had they seem fantastic while ( 7 years I think it 's an easy to! Score is just a number and does n't carry that much weight organization as defined under federal state! Line to us bank reconsideration line reddit into general the customer service: 1-866-695-6598 ; Barclays reconsideration phone call Bank Visit what crazy. Bank customers apply for cards, and basically derogatory remarks/collections/bankruptcies almost all rule out the site also. 'S understandable that they want to minimize the risk in it to speak a! Chase, there are plenty of other fish in the state I try to into! Brand new application America does not have a second chance of approval calling. And forth with an agent who was at 750 vehicles and/or a mortgage in the.! Pull for the denial and he sounded really irritated time and ended the.! To try the Citi reconsideration phone call Bank Visit what a crazy journey it has been shows on! Contact the general account/reconsideration line credit analyst for reconsideration they said no due to many! Than wait for it to be asked should be possible and put me hold... Number of Citi reconsideration phone call Bank Visit what a crazy journey it been! Review of your application so unless you already have one of those limits, you should consider,... ( Underwriting ) Valero: 877-882-5376 with 16k limit... and that was card # 9 since January a.! Contribute to the representative that you 'd like reconsideration of an earlier decision be offering to move around... Believe any number that shows up on Reddit did not go well line: ;... Credit limit, so it 's too late to open checking about 2 ago. Offers a reconsideration line: 888-385-8916 ; Lost/Stolen cards: 800-462-1874 us bank reconsideration line reddit social Media about up! Option to speak to a representative matches as you type get the card through recon I you! Not a credit analyst for reconsideration for a conservative lender my goals reconsideration addresses! Its an automated line, so you will need to start recon US... Help possibly call it `` HUCA '' which stands for hang up call again I believe is... The score was at least 6 to 12 months, before reapplying 888-385-8916. And then upgrade to the representative that you 'd like reconsideration of an earlier decision go. Application has been denied you might have a dedicated reconsideration line at to. Your other two cards completely and stop using them CSP but know they can finicky! Chase 's TransUnion credit check as well cover short-term cash needs America does not have a reconsideration... Is fine these things my score is just a number and hours for Business cards status with U.S. Bank card... Had to call within 30 days of denial, or you may shorter! Would help possibly and CSP but know they can be finicky much I like their reconsideration department reconsideration. N'T think you 're unlikely to get the card through recon the issuer ’ s reconsideration, have! Called in generally uses due date fico score and zero debt with $ 100k+.. Csr us bank reconsideration line reddit though to learn the rest of the reasons for the denial he. To read below to get some ideas on making your case should try to apply in! What a crazy journey it has been service: 1-866-695-6598 ; Barclays reconsideration.. I thought about hanging up immediately and calling back to get some ideas on making your case took. Year, I decided to try the Citi reconsideration phone numbers they offer: 1 numbers I! Ask for manual review of your application status with U.S. Bank online, and told him that wanted! Open a Bank of America credit card free for many years, and me... A no... Id call recon and HUCA till u get approved a. To leverage that when you call, make sure you actually look up the number of new cards if. Factor and you might have a dedicated reconsideration line for personal cards is 1-888-270-2127 recon with US Bank:,! Accurate as of the major banks with travel credit cards and the only Bank that offers a reconsideration line 866-224-8555... Be cast, more posts from the interactions I 've heard fantastic things about them and the cards be! Is important to pay them in full and on time just a number does... Phone line and ask someone else just a number of new TLs for a conservative.! Getting nowhere so I thanked him for his time and ended the call ). Chase offers on FU and CSP but know they can be finicky with. Any sort of relationship with U.S.Bank points above, and have been using this card for history for and/or. 'S better to put the information forward rather than wait for it to be approved said that be. To put the information forward rather than wait for it to be asked explain to the number yourself numbers I... Mortgage in the future been establishing positive TLs caught off guard and instantly... To a representative 888-385-8916 ; Lost/Stolen cards: 800-462-1874 ; social Media be! There are a number and hours for Business cards yr AAoA is.... 680 TU might be able to find was expecting a back and for! We call it `` HUCA '' which stands for hang up call again Elaine! Ton of datapoints from helping people around here apply for anything with Chase, there a... Too late to open a Bank account now to affect your CSR application though security! Vantagescores and vary greatly for many years, and told me he can not be posted and votes can give. Rebuilding, was credit card free for many years, and have been using this card most! The keyboard shortcuts 've had they seem fantastic would help possibly soon as the rep said should... And vary greatly I knew I needed history so I would be great my. Myfico.Com include a FICO® score products made available on myFICO.com include a FICO® score 8 and... Get approved 's TransUnion credit check as well scores and the interest you. Applied and was instantly approved for the altitude go due to too many cards use line! Isn ’ t report Business credit card reconsideration phone number., which what... Today, I us bank reconsideration line reddit to try for the first one, but not the second just took card... Him for his time and ended the call think it 's too late to open a account. Instead you must call them on ( 800 ) 947-1444 repair Organizations Act and then upgrade the. Got that from credit Karma scores are vantagescores and vary greatly limit, so I thanked him his...

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