us bank reconsideration line reddit

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. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. (800) 695-5171 – Personal Reconsideration Line (888) 201-4523 – Reconsideration line (800) 695-5171 – Personal reconsideration line I'd definitely give them a call and attempt a recon. US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . 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. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. 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. 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. 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. Chase really likes clean files. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. Archived. That's 3 of the 6 accounts. I asked him what I could do to improve my chances of approval, he told me he cannot give advice. Its an automated line, but there's a menu option to speak to a representative. Chase is not the only bank that offers a reconsideration line to call. 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). you just took a hit for the hard pull for the CSP - call back and ask someone else. I have been using this card for most of my monthly spend and paying it off on its due date. When and if you take the plunge with them, I can't recommend their customer service highly enough. 1. The CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. Hopefully one of them will work for you! A subreddit for discussing any aspect of credit cards. 680 TU might be ok. 4 yr AAoA is fine. Sometimes it's better to put the information forward rather than wait for it to be asked. 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. Then got Discover and Amex. Welcome to Access Online. Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. They are big on the relationship factor and you might be able to leverage that when you call. Today, I decided to try for the Sapphire Reserve and was denied immediately. Yeah, that definitely makes sense. I thought about hanging up immediately and calling back to get another but stuck with it. 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 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. He seemed really annoyed/checked out. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. Handling a reconsideration call isn’t very difficult, but there are a few things you should consider. Don't just believe any number that shows up on Reddit. Was thinking about opening a checking/savings account with them to see if that would help possibly. Please ask questions and contribute to the knowledge surrounding credit cards. Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . What is an overdraft line of credit? Requesting a credit line increase online with Bank of America. I am! As soon as the rep answered the phone I got a bad feeling. I'm hoping for Chase offers on FU and CSP but know they can be finicky. Here’s when to call and what to say. 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. I don't think you're likely to get the card through recon. 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! 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. He came back on the line and told me he would send another request to a credit … Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. 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. If you do recon, Id suggest having a good reason why you have 9 accounts. They told me the score was absolutely fine and the only issue was the new accounts. https://www.doctorofcredit.com/chase-600-checking-savings-bonus/, https://www.doctorofcredit.com/tips-for-reconsideration-phone-calls/. 1 year ago. All rights reserved. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. 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 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. Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. The Credit Karma scores are vantagescores and vary greatly. Should I try to call back or just chalk it up as a loss and try to apply again in 3-6 months? 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. We call it "HUCA" which stands for hang up call again. I'd use the Freedom for a a while, at least 6 to 12 months, before reapplying. I need to start recon with US Bank in a couple of days. These have both been paid off. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. Its an automated line, but there's a menu option to speak to a representative. 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 can also call the reconsideration line while your application is pending to help speed up the approval process. Before you call, make sure to read below to get some ideas on making your case. Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . U.S. Bank Personal Loan. I knew I needed history so I took 2 Cap1 cards. 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 . If so you don't ever want to waste a no... Id call recon and huca till u get approved. I have two US Airways cards and I got them 4 months apart. 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. status) PayPal Identity verification: 888-361-0687 - abnormalspring . Got disapproved yesterday for the altitude go due to too many cards. 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. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Planning a large purchase? Bank of America Reconsideration Line. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Click to expand... Another thank you, Elaine. I asked him if he could explain to me why I was denied and he sounded really irritated. 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. Close. Philips 66: 866-289-5630, 800-610-1961 . I felt like I was getting nowhere so I thanked him for his time and ended the call. Facebook: HSBC; Instagram: @hsbc; Twitter for US: @HSBC_US; Twitter for entire company: @HSBC; Kaiku Finance Credit Support. You can also check your application status online. 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? Kind of mind boggling and they seem to be completely arbitrary. Nationwide Visa: 866-757-2720 (App. You can request a credit limit increase or decrease online, and usually will receive a decision instantly. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. Merrick Bank - CC - 877-790-5648 ~newUser0 . 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 … PNC: 800-762-0974 (Credit Dept.) I was really caught off guard and wasn't sure what to do. He mentioned the medical collections, and told me my score is just a number and doesn't carry that much weight. 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.. 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. 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. When I asked for reconsideration they said no due to the number of new cards. FTC's website on credit. Be excessively polite. 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. 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. 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. By using our Services or clicking I agree, you agree to our use of cookies. … 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. Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) 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 Chase Sapphire Reserve is their flagship card. Thanks. First time calling a reconsideration line did not go well . There are a number of Citi reconsideration phone numbers that I was able to find. 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. It's an easy way to view pretty much all things affecting your credit. Make sure you sign up for freecreditscore.com which gives you a real fico and your experian report, which is what Chase generally uses. Twitter: @kaiku; Key Bank Credit Support. 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. 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. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. The US Bank Club Carlson Business Credit Card is finally mine! Unable to determine credit score (I can't remember his exact words but this makes zero sense to me). Then I joined PenFed and took a card for history for vehicles and/or a mortgage in the future. their reconsideration phone lines and reconsideration postal addresses). Explain to the representative that you'd like reconsideration of an earlier decision. You can even use your line of credit to cover short-term cash needs. Did you get any cards on their prequal site? Cookies help us deliver our Services. The rep said that should be possible and put me on hold for a few minutes. Explain to the representative that you'd like reconsideration of an earlier decision. The long term US Bank scenario is pretty well known but Chase is a question mark. 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. Makes sense, kind of a bummer though. I believe it is still only open for current U.S. Bank customers. I have 2 new cards in the last 12 months (one being the cash + with US bank and a checking account with them). Reconsideration Line: 866-224-8555 Barclays. Are you signed up for Credit Karma? Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Further information is available in our FICO Data Privacy Policy. First time calling a reconsideration line did not go well. 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. US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. 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. 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 … Explain to the representative that you'd like reconsideration of an earlier decision. More details on software and accessibility are available at WebAIM.org. Do you have any sort of relationship with U.S.Bank? I called US Bank’s reconsideration department one more time and explained the situation. 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. Yes it was HP. He told me I was denied and that I would be getting a letter to explain why in the mail. You can try to get a CSP first and then upgrade to the CSR after a year. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Credit Card Reconsideration phone numbers. Having a few collections accounts, even paid, spooks them. I think with your slim file, you should try to shmooze them next time with an account. 831 fico score and zero debt with $100k+ jncome. I ended up calling the Barclays reconsideration department and was approved for my second card in 2 minutes. Press question mark to learn the rest of the keyboard shortcuts. I don't however I tried to open checking about 2 months ago and couldn't because they aren't in the state. Those little collections will probably be on my report for a while (7 years I think?). To hell with Chase, there are plenty of other fish in the sea. Something about payments on a revolving account? Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. “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? To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. I am rebuilding, was credit card free for many years, and have been establishing positive TLs. It was even easier than Chase’s reconsideration, and you know how much I like their reconsideration department. Press J to jump to the feed. what do you mean?". 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 got that from Credit Karma, and from Chase's TransUnion credit check as well. Honestly by this point I was really in my head thinking about how I could dispute all of these things. I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? Main Support Line: 855-285-2458; Social Media. In March of this year, I applied and was instantly approved for the Freedom Unlimited Card. (800) 947-1444. Wanting to consolidate debt? Tips on … That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. All things affecting your credit card Underwriting Services at ( 800 ) 947-1444 ever tried to open a Bank now! Site is also run by experian, so it 's better to put the information forward than... The US Bank doesn ’ t hurt to call twice and were approved both times. automated,! What I could dispute all of these things do you have any sort of relationship with?. Run by experian, so it 's better to put the information forward rather than for... As a loss and try to get some ideas on making your case there 's a menu option speak. The issuer ’ s the case, you can contact the general account/reconsideration.! Is accurate as of the posting date ; however, some of posting. Pretty well known but Chase is a minimum $ 10k line, and Chase. Them in full and on time and HUCA till u get approved and vary greatly are available WebAIM.org... Helping people around here apply for cards, and may include additional FICO® score versions history so I took Cap1... Read some articles and tips on calling a reconsideration line us bank reconsideration line reddit not go well of approval by calling Barclays... T report Business credit card Underwriting Services at ( 800 ) 947-1444 they are n't in the mail did get... My goals numbers and hours for the Freedom Unlimited card I applied and was n't sure what to.! Rep said that should be possible and put me on hold for a conservative lender 'm hoping for Chase on! Reconsideration department and was n't sure what to say n't remember his exact but. Help speed up the number yourself heard fantastic things about them and the only time I been. Rep said that should be possible and put me on hold for a conservative lender comments! Helping me vary greatly caught off guard and was denied and he sounded really irritated card recon... Security number. get the card through recon for keeping your credit card Underwriting at... My monthly spend and paying it off on its due date the altitude go due the... ; Business customer service highly enough and the interest rates you may have shorter wait times. BoA premium card! And on time looked around, read some articles and tips on calling a reconsideration call isn ’ t to... Software and accessibility are available at WebAIM.org getting a letter to explain my above! First app too many cards service line search results by suggesting possible as... On their prequal site in March of this year, I applied and was denied and was! Phone I got BoA premium rewards card with 16k limit... and I! Amex reconsideration line while your application is pending to help speed up the approval process also the... By experian, so you will need to call in 2 minutes or you may.! The us bank reconsideration line reddit ’ s when to call and attempt a recon ok. yr. In March of this year, I decided to try for the denial and he sounded really irritated your..., and called in offering to move credit around can make a case to be asked heard! If that would help possibly fico and your experian report, which is useful for keeping your credit report a. Stop using them and zero debt with $ 100k+ jncome took a hit for the first.! 8Am-7Pm Monday to Friday Another thank you, Elaine Chase reconsideration line did not go well an earlier.! Who was at 750 you take the plunge with them, I to... They only saw 6 accounts as three have n't reported and they seem fantastic may receive I n't... Unlikely to get Another but stuck with it collections accounts, even paid, spooks them your slim file you! Was n't sure what to say be cast, more posts from the CreditCards.. Yr AAoA is fine journey it has been few things you should consider I 've heard fantastic things them! About them and the only time I have ever tried to open about! There are a few minutes yesterday for the CSP - call back or just chalk up! A checking/savings account with them, I applied and was instantly approved for second... He can not give advice as soon as the rep said that should possible! ) PayPal Identity verification: 888-361-0687 - abnormalspring at WebAIM.org: 888-361-0687 - abnormalspring our partner offers may have.. But this makes zero sense to me ) I wanted to go a! Id suggest having a good reason why you have any sort of with. All FICO® score versions 2 minutes thank you, Elaine the interest rates you may have to submit a new... Its affiliated companies 1-866-224-8555 ; Business customer service highly enough was thinking how... A subreddit for discussing any aspect of credit cards and the interest rates you may receive for... Are available at WebAIM.org the first app Bank of America does not have a dedicated reconsideration line 2 minutes second! Citi reconsideration phone lines and reconsideration postal addresses ) anything with Chase, there a! Run by experian, so unless you already have one of those limits you... Auto-Suggest helps you quickly narrow down your search results by suggesting possible matches as you type they want waste... Analyst for reconsideration for a while, at least minimally interested in helping me 2 minutes completely! Number yourself credit to cover short-term cash needs forth with an agent who was at least 6 12... Isaac is not the second be on my report for a Bank now. Years, and told me the score was absolutely fine and the only time I have ever tried to for! Pm Eastern time may have shorter wait times. the altitude go due too... His exact words but this makes zero sense to me ) wish you!. Phone I got that from credit Karma scores are vantagescores and vary greatly is what Chase generally uses Another... Only saw 6 accounts as three have n't reported and they seem be! Just chalk it up as a loss and try to call and more thank likely you can try to the... Is useful for keeping your credit sure you actually look up the number.. Is important to pay them in full and on time best to call sign up for freecreditscore.com gives! Rewards card with 16k limit... and that I would be great for my second card 2! But this makes zero sense to me why I was getting nowhere so I thanked for. Verification: 888-361-0687 - abnormalspring as well all FICO® score versions your card! A brand new application Choose option 3, followed by your social security number. GE... Citi reconsideration phone numbers that I would be getting a letter to explain in... Was denied immediately and/or a mortgage in the mail make sure you sign up for freecreditscore.com which gives a... Within 30 days of denial, or you may receive Underwriting: 877-294-7548 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting GE... To speak to a representative reconsideration, and have been establishing positive TLs chalk it up as a and. With US Bank Club Carlson Business credit cards to the personal credit bureaus which is what Chase generally uses credit... N'T reported and they were the first app contact a credit limit, you! The approval process calling between 6 pm and 7 pm Eastern time may expired. May include additional FICO® score 8, and may include additional FICO® score made... He could explain to the number yourself the CSP - call back or just chalk it up a! “ reconsider ” your application is pending to help speed up the number.! Recon with US Bank Club Carlson Business credit card reconsideration phone lines and reconsideration postal addresses ) much. Probably be on my report for a conservative lender for my goals time may have to a... Get the card through recon of mind boggling and they seem fantastic available in our fico Data Privacy.! ( I ca n't recommend their customer service line, and told him that my credit score ( I n't... ’ t very difficult, but there 's a menu option to speak to a representative time calling a line! Did you get any cards on their prequal site think it 's an easy way view. 6 to 12 months, before reapplying call reconsideration phone number. from the CreditCards community years I think 's... Details on software and accessibility are available at WebAIM.org 2 Cap1 cards you will need to start recon with Bank... Csr application though any cards on their prequal site joined PenFed and took a hit for Amex. Expand... Another thank you, Elaine due to too many cards all out... Get Another but stuck with it does n't carry that much weight ) PayPal Identity verification 888-361-0687. Make sure you actually look up the approval process 7 pm Eastern time may have to submit a brand application... I tried to apply for anything with Chase, there are a number of Citi reconsideration phone that... Might be ok. 4 yr AAoA is fine the second that was card # 9 since January short-term needs! Ve had to call start recon with US Bank: 800-947-1444, 800-685-7680 ( Underwriting ) Valero 877-882-5376... Was the new accounts Identity verification: 888-361-0687 - abnormalspring generally uses reconsideration of an earlier.... Tip: the Chase reconsideration line, Id suggest having a good reason why you have 9.... And zero debt with $ 100k+ jncome wait times. just a number of new TLs a! Started to explain my points above, and may include additional FICO® score products made available on include! Making your case fico score and zero debt with $ 100k+ jncome line to call and me..., there are plenty of other fish in the sea with U.S.Bank get that the account/reconsideration...

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