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Calling the Chase Reconsideration Line: Mistakes to Avoid

Getting ready to call the Chase Reconsideration Line? Run through this checklist first and you will have the best chance of getting approved for your credit card.

If you’ve recently been denied a Chase credit card or your application is pending, the right thing to do is to call the Chase reconsideration line.

After all, you want to know if anything can be done to get approved for the credit card.

However, calling the Chase reconsideration line is not enough. You have to be ready and be prepared to explain why they should give your a second look.

Chase tends to have several reasons for denying someone a credit card. And it can be upsetting not knowing why you were not approved. But there are a few mistakes you can avoid that will help you boost your chance of getting approved.

What is a credit card reconsideration line?

A credit card reconsideration line is a phone number that a credit card issuer such as Chase has available for applicants like you and me to call when they deny us our credit card application or when they don’t approve us instantly.

Some credit card issues, like Chase, make it very easy for consumers to find the reconsideration line phone number.

For others, it’s not that easy. And you might have to do some digging.

You might even have to look to outside forums to find the phone number.

But even if you can’t find it, you can always call customer service by using any phone number on their website.

Why calling the Chase reconsideration line?

If you applied for a Chase credit card and they rejected your application, the next step is to call the reconsideration line.

By discussing your credit history, income and finances, you may be able to convince them to approve you for the card.

Plus, you don’t have anything to lose. The worst thing that can happen is if Chase says “no.”

Because you have already applied for the card and a hard inquiry is already on your credit report, calling the Chase line to reconsider your application won’t have any additional impact on your credit score.

Common reasons for a Chase credit card denial include:

  • loan/credit card balances too high;
  • Low credit score;
  • Not enough credit history;
  • You too many credit cards open;
  • You have bankruptcy, civil judgments, collections on your credit report;
  • Insufficient income;
  • Limited credit history.

What is the Chase reconsideration line phone number?

In case you did not know already, the Chase Reconsideration phone number line for personal credit card is 1-888-270-2127. You can reach them Monday through Friday from 8 am to 10 pm and Saturday to Sunday from 8 am to 8 pm.

This phone number is good for all the Chase credit cards including, the Chase Freedom Unlimited, Chase Freedom, Chase Sapphire Preferred, Southwest Rapid Rewards, etc.

For the Chase business credit card, the reconsideration phone number line is 800-453-9719. They open Monday through Friday from 1 pm to 10 pm.

Other Credit Card Reconsideration Lines:

Credit Card IssuerCredit Card Reconsideration line
Capital One Reconsideration Line1-800-625-7866
Discover Reconsideration Line1-800-347-2683
American Express Reconsideration Line1-800-567-1083
Barclays Reconsideration Line1-866-408-4064
Bank of America Reconsideration Line1-866-422-8089
Citibank Reconsideration Line1-800-695–5171
Wells Fargo Reconsideration Line1-800-869-3557
Chase Reconsideration Line1-888-270-2127
U.S. Bank Reconsideration Line1-800-947-1444
Numbers for credit card reconsideration from credit card issuers

Things to do before you call the Chase reconsideration line

When a credit card issuer, like Chase, rejects your application, they might send you a letter in the mail within 30 days. The letter explains the reasons why your application for the credit card was rejected.

Unless the reasons why they rejected relate to something on your credit report, they are not required to send you a letter.

Sometimes, you may not wait to get the letter and call them right away so they can reconsider your application. But you still have to do your own due diligence.

Here are just a few tips to keep in mind before calling the Chase reconsideration line. 

1. You’re not prepared.

It’s okay to be nervous when calling the Chase Reconsideration line.

But it’s one thing to be nervous; and quite another when you’re not prepared. You’re not prepared when you don’t remember some basic information on your file. 

You should know things such as your income, how much debt you have, how many credit cards you have, etc. And you should be ready to talk about these items.

But more important is how you start the conversation.

Here’s a sample introduction:

“Good morning/evening, Sir/Madam. My name is {list first and last name here} I applied for the Chase credit card {name of credit card here} on {list date you applied}.

Unfortunately, I was denied for the credit card. I’m calling to ask for a reconsideration of my application.

{give a brief explanation of why they should approve you}.

If you need more information from me, please let me know and I will be kind to provide them to you in order to approve my credit card application.”

In case you have not received a letter in the mail, the customer representative will explain to you why Chase denied you.

So you need to be prepared.

For example, if one of the reasons they rejected your application is because of insufficient credit history, show other bills that don’t typically show up on your credit report such as rent payments. And provide supporting documents that you have been paying them on time.

2. You are rude.

You may be upset and angry when Chase did not approve you for a credit card, especially if you know you were well qualified.

When you call the Chase line and ask for reconsideration, you should be polite and remain calm during the call. Nothing will make your situation worse than being rude on the phone.

3. You don’t have a copy of your credit report.

Before calling the Chase reconsideration line, get a free copy of your credit report. That will allow you to see what Chase saw when they reviewed your application.

One of the reasons Chase might deny you a credit card is because you have a charge-off or delinquency on your credit report. Another reason might be because your balances are too high.

You must have a credit report from the three credit bureaus: Equifax, Transunion and Experian.

Once you receive a free copy of your credit report, you may need to comb through them to see if there aren’t inaccuracies or red flags.

If there are any red flags, there might have been the causes of your rejection. For instance, if you know you did not make these withdrawals or did not open an account, you might have been victim of identity fraud.

So, by reviewing your credit report before you call the reconsideration line, you’ll be able to explain to Chase that someone else has taken a bunch of credit cards in your name.

4. You failed to articulate why you want the credit card in the first place.

When you apply for a Chase credit card, they often run your application through a computer system that automatically tells them whether they should approve you for the credit card.

And if you don’t meet the computer’s requirement, your application will be denied without having the chance to discuss your situation with a real person.

But, when you call the Chase reconsideration line, it is your chance to discuss your situation with a live person.

Another reason Chase might deny is because you have too much debt. If you indeed had a lot of debt when you applied for the credit card, but you’ve recently made a large deposit, thereby reducing the debt significantly, your should be able to explain that.

Calling the Chase reconsideration line is your last chance to get approved for the credit card that you’ve always wanted.

5. You’re not transparent.

It can be uncomfortable to discuss past financial problems. However, it pays off to be transparent when calling the credit card reconsideration line.

So, disclosing your past financial problems is important. And being able to show how you have improved your situation and how you have cut back on debts will be highly valued.

The bottom line:

There is no guarantee that by calling the Chase reconsideration line they will approve you the credit card.

But, it’s worth trying, especially when you believe you should be eligible for a particular card.

If after you call the reconsideration line and Chase still deny you the credit card, there are other things you can do. It might make sense to work on whatever the reasons for rejecting your application.

It it was due to low credit score, then take steps to raise your credit score. If it was because you have a low income, get a better job or start a side hustle. The bottom line is you have to do something.

Speak with the Right Financial Advisor

  • If you have questions about your finances, you can talk to a financial advisor who can review your finances and help you reach your goals (whether it is making more money, paying off debt, investing, buying a house, planning for retirement, saving, etc).
  • Find one who meets your needs with SmartAsset’s free financial advisor matching service. You answer a few questions and they match you with up to three financial advisors in your area. So, if you want help developing a plan to reach your financial goals, get started now.

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