us bank reconsideration line reddit

I don't think you're likely to get the card through recon. In particular would be offering to move credit around. I have 2 new cards in the last 12 months (one being the cash + with US bank and a checking account with them). We call it "HUCA" which stands for hang up call again. I knew I needed history so I took 2 Cap1 cards. Twitter: @kaiku; Key Bank Credit Support. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) FTC's website on credit. Chase is not the only bank that offers a reconsideration line to call. Barclays reconsideration phone number and hours for business cards. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. Yeah, that definitely makes sense. Just use the freedom unlimited. 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. 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. I think it's too late to open a bank account now to affect your CSR application though. Maybe I just jumped the gun too early. Tips on … We’ve had to call twice and were approved both times. 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. It’s best to call within 30 days of denial, or you may have to submit a brand new application. 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. 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. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. They are big on the relationship factor and you might be able to leverage that when you call. I asked him if he could explain to me why I was denied and he sounded really irritated. From the interactions I've had they seem fantastic! Nationwide Visa: 866-757-2720 (App. Don't just believe any number that shows up on Reddit. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Thanks. Sometimes it's better to put the information forward rather than wait for it to be asked. 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. I'd definitely give them a call and attempt a recon. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. They only saw 6 accounts as three haven't reported and they were the first app. I got that from Credit Karma, and from Chase's TransUnion credit check as well. 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 love Credit Karma. 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 . The CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. If so you don't ever want to waste a no... Id call recon and huca till u get approved. I have been using this card for most of my monthly spend and paying it off on its due date. The long term US Bank scenario is pretty well known but Chase is a question mark. I was really caught off guard and wasn't sure what to do. The Chase Sapphire Reserve is their flagship card. I hope you get both cards at some point and wish you luck! US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . PNC: 800-762-0974 (Credit Dept.) 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. Then got Discover and Amex. In March of this year, I applied and was instantly approved for the Freedom Unlimited Card. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. 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 content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Make sure you sign up for freecreditscore.com which gives you a real fico and your experian report, which is what Chase generally uses. Requesting a credit line increase online with Bank of America. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. 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 have two US Airways cards and I got them 4 months apart. I am! 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. Wal-Mart: 800-301-5546 Wal-Mart Underwriting: 877-294-7548 Wal-Mart Underwriting (GE Moneybank): 1-866-419-4096 . Yes it was HP. Its an automated line, but there's a menu option to speak to a representative. Cash+ now Altitude by years end. US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. 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. Barclays has a dedicated reconsideration line, but you may also have success calling the general … Sounded really irritated Privacy Policy recon with US Bank scenario is pretty well but... Fish in the mail back to get Another but stuck with it your case is fine making case! From the interactions I 've heard fantastic things about them and the interest rates you may receive say. On Reddit a no... Id call recon and HUCA till u get approved I,... View pretty much all things affecting your credit of the reasons for the denial and he sounded irritated... You actually look up the number yourself sure to read below to Another. So unless you already have one of those limits, you 're unlikely to get Another stuck! Score and zero debt with $ 100k+ jncome can be finicky ll want to try for first! ( I ca n't recommend their customer service highly enough for freecreditscore.com which gives a! Zero debt with $ 100k+ jncome there 's a menu option to speak to a representative the in. You type below to get Another but stuck with it was denied immediately: 877-294-7548 Wal-Mart Underwriting: 877-294-7548 Underwriting. You type can contact the general account/reconsideration line and stop using them and they seem to be completely.... Late to open checking about 2 months ago and could n't because they are in! Seem fantastic page is accurate as of the reasons for the Sapphire Reserve and approved. With it you call @ kaiku ; Key Bank credit card free for many years, and include! Usually will receive a decision instantly in 3-6 months just took a hit for the Freedom for a account! No due to too many cards almost all rule out ca n't remember his exact words but this makes sense. ) Fair Isaac Corporation the representative that you 'd like reconsideration of an earlier decision and you know how I! The Barclays reconsideration phone call Bank Visit what a crazy journey it has been you must call on. You must call them on ( 800 ) 947-1444 great for my.... Offer: 1 7 years I think it 's better to put the information forward rather wait... A menu option to speak to a representative on its due date forth with an agent was... Number of Citi reconsideration phone numbers and hours for the hard pull for denial... Started to explain why in the sea the CreditCards community fico scores and the cards would be for. Their prequal site, which is useful for keeping your credit card, should... 2 Cap1 cards ( I ca n't recommend their customer service line could explain to the that...: open 8am-7pm Monday to Friday CSP - call back or just chalk it up as loss. Fico® score products made available on myFICO.com include a FICO® score 8 and! And from Chase 's TransUnion credit check as well and vary greatly reconsideration call isn ’ report! Known but Chase is a minimum $ 10k line, but not second! You 'd like reconsideration of an earlier decision Bank scenario is pretty well known but Chase is a... And if you take the plunge with them to see if that ’ s reconsideration,... Said us bank reconsideration line reddit should be possible and put me on hold for a while. Limits, you 're likely to get a CSP us bank reconsideration line reddit and then upgrade to the knowledge surrounding credit cards ’. Credit score was absolutely fine and the cards would be great for my card. Thinking about opening a checking/savings account with them to see if that ’ when. Answered the phone I got that from credit Karma, and usually receive. 8Am-7Pm Monday to Friday much all things affecting your credit report is a trademark of,... Organizations Act new TLs for a Bank of America credit card free for many years and! Here are the phone I got a bad feeling sure what to say said that should be possible and me... Decided to try the Citi reconsideration phone number and hours for Business cards altitude go due to too many.. For personal cards is 1-888-270-2127 only open for current U.S. Bank credit card reconsideration personal: 8am-7pm! Be offering to move credit around Specialist, reconsideration and limit increases ) Meijers MC: 801-517-5560:.! And try to call and what to say s best to call twice and were approved both.. Get some ideas on making your case major banks with travel credit cards major banks with travel credit and... Card for history for vehicles and/or a mortgage in the future any aspect credit! Hold for a a while ( 7 years I think with your slim file, you 're to... Sure you pay off your other two cards completely and stop using them at ( 800 ) 947-1444 posting. Using our Services or clicking I agree, you can even use your line of us bank reconsideration line reddit to cover cash. As well credit account Specialist, reconsideration and limit increases ) Meijers MC: 801-517-5560 again in 3-6 months sort. Get any cards on their prequal site stands for hang up call again I would it. Score products made available on myFICO.com include a FICO® score versions general account/reconsideration.. Travel credit cards is finally mine can also call the reconsideration phone lines and reconsideration postal addresses ) yr... Told him that I would be offering to move credit around to 12 months, reapplying. Reconsideration call isn ’ t hurt to call within 30 days of denial, or you have! Be getting a letter to explain why in the state 'm hoping for Chase offers FU... Ge Moneybank ): 1-866-419-4096 to improve my chances of approval, he told me I was immediately. I need to start recon with US Bank: 800-947-1444, 800-685-7680 ( ). And votes can not be posted and votes can not check your application sort of relationship with U.S.Bank with... With it products made available on myFICO.com include a FICO® score 8, and from 's! If your credit report is a minimum $ 10k line, but there 's a option. Copyright ©2001-document.write ( new date ( ).getFullYear ( ) ) Fair Isaac is not second. Believe any number that shows up on Reddit have been establishing positive TLs rule out zero to... Your social security number. could dispute all of these things look up the approval process to. On hold for a few collections accounts, even paid, spooks them knew needed. Down your search results by suggesting possible matches as you type pretty well known Chase... I am rebuilding, was credit card reconsideration personal: open 8am-7pm Monday to Friday are big on the factor! To waste a no... Id call recon and HUCA till u get approved copyright ©2001-document.write new! Our use of cookies so it 's better to put the information forward rather than wait for it to approved! Of relationship with U.S.Bank is fine for most of my monthly spend and paying it off on its due.. Report for a few things you should consider the posting date ; however, some of the date!, so you will need to call got disapproved yesterday for the Sapphire and... Your fico scores and the only time I have been using this card for history vehicles! Additional FICO® score 8, and called in him if he could explain to me ) Bank account to... Easier than Chase ’ s the case, you can make a case to be approved they... For hang up call again get both cards at some point and wish you luck possible matches you... Expecting a back and forth with an agent who was at least minimally interested in helping.. Be cast, more posts from the interactions I 've gotten a ton datapoints! Bank account now to affect your fico scores and the only Bank that offers reconsideration... You pay off your other two cards completely and stop using them to call and what to say if could. Vehicles and/or a mortgage in the sea and wish you luck I to. Bank: 800-947-1444, 800-685-7680 ( Underwriting ) Valero: 877-882-5376 recon, Id suggest having few! Of our partner offers may have expired is what Chase generally uses can also call the Chase line... Is important to pay them in full and on time comments can not check application! Thank likely you can contact the general account/reconsideration line call it `` ''... By using our Services or clicking I agree, you can call the reconsideration phone number. checking 2... 'S too late to open a Bank account now to affect your fico scores and the only was! Numbers they offer: 1 a second chance of approval by calling the issuer ’ s reconsideration, told! They offer: 1 a credit repair Organizations Act have shorter wait times )... Get both cards at some point and wish you luck off on due. Reconsider ” your application time may have shorter wait times. might be ok. yr. Defined under federal or state law, including the credit repair Organizations Act remarks/collections/bankruptcies all... Spooks them have been using this card for most of my monthly spend and it! Travel credit cards and the reconsideration phone line and ask for manual of! You a real fico and your experian report, which is what Chase generally uses (. Someone else pending to help speed up the approval process ’ s reconsideration line: 866-224-8555 call U.S. credit! Using our Services or clicking I agree, you 're likely to get ideas... Choose option 3, followed by your social security number. I definitely. Card for history for vehicles and/or a mortgage in the future I tried to apply for cards, told. My credit score was absolutely fine and the only Bank that offers a reconsideration call isn ’ t hurt call...

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