us bank reconsideration line reddit

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. They told me the score was absolutely fine and the only issue was the new accounts. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I am! You can try to get a CSP first and then upgrade to the CSR after a year. When and if you take the plunge with them, I can't recommend their customer service highly enough. Also make sure you pay off your other two cards completely and stop using them. Honestly by this point I was really in my head thinking about how I could dispute all of these things. Bank of America Reconsideration Line. Philips 66: 866-289-5630, 800-610-1961 . Chase really likes clean files. Learn more. Make sure you sign up for freecreditscore.com which gives you a real fico and your experian report, which is what Chase generally uses. Thanks. The CSR needs 10k credit limit, so unless you already have one of those limits, you're unlikely to get that. Hopefully one of them will work for you! Then I joined PenFed and took a card for history for vehicles and/or a mortgage in the future. Press question mark to learn the rest of the keyboard shortcuts. I hope you get both cards at some point and wish you luck! Was thinking about opening a checking/savings account with them to see if that would help possibly. FTC's website on credit. In March of this year, I applied and was instantly approved for the Freedom Unlimited Card. By using our Services or clicking I agree, you agree to our use of cookies. 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. Like many other issuers, Barclays will periodically review your card account to determine whether or not it’s eligible for a credit limit increase. 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 . US Bank doesn’t report business credit cards to the personal credit bureaus which is useful for keeping your credit report cleaner. The rep said that should be possible and put me on hold for a few minutes. If you do recon, Id suggest having a good reason why you have 9 accounts. Those little collections will probably be on my report for a while (7 years I think?). Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I got that from Credit Karma, and from Chase's TransUnion credit check as well. Posted by 1 year ago. All rights reserved. No big deal, simply call reconsideration phone line and ask for manual review of your application. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. I've heard fantastic things about them and the cards would be great for my goals. 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. 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. 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. Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. you just took a hit for the hard pull for the CSP - call back and ask someone else. 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.. Altitude does still require a relationship. Welcome to Access Online. Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. Here are some of the major banks with travel credit cards and the reconsideration phone numbers they offer: 1. Click to expand... Another thank you, Elaine. 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. Did you get any cards on their prequal site? First time calling a reconsideration line did not go well. He told me I was denied and that I would be getting a letter to explain why in the mail. 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. Explain to the representative that you'd like reconsideration of an earlier decision. A subreddit for discussing any aspect of credit cards. 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. Having a few collections accounts, even paid, spooks them. Here are the phone numbers and hours for the Amex reconsideration line. More details on software and accessibility are available at WebAIM.org. I'm hoping for Chase offers on FU and CSP but know they can be finicky. U.S. Bank Personal Loan. 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 … Should I try to call back or just chalk it up as a loss and try to apply again in 3-6 months? Borrow $1,000 up to $25,000 I asked him what I could do to improve my chances of approval, he told me he cannot give advice. The easy way to get US Bank Altitude Reserve card approval. Bank of America Reconsideration Line 866-224-8555 or 877-721-9405 (Choose option 3, followed by your social security number.) Requesting a credit line increase online with Bank of America. 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. 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 CSR is a minimum $10k line, so it's understandable that they want to minimize the risk in it. US Bank: 800-947-1444, 800-685-7680 (Underwriting) Valero: 877-882-5376 . 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. 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 best to call within 30 days of denial, or you may have to submit a brand new application. Twitter: @kaiku; Key Bank Credit Support. Got disapproved yesterday for the altitude go due to too many cards. I asked him if he could explain to me why I was denied and he sounded really irritated. what do you mean?". 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. Press J to jump to the feed. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. 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. 1. 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. Don't just believe any number that shows up on Reddit. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. 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. 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. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Here’s when to call and what to say. I need to start recon with US Bank in a couple of days. Handling a reconsideration call isn’t very difficult, but there are a few things you should consider. 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. 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. Amex reconsideration phone number and hours. I was instantly approved for the first one, but not the second. They are big on the relationship factor and you might be able to leverage that when you call. I called US Bank’s reconsideration department one more time and explained the situation. 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. 680 TU might be ok. 4 yr AAoA is fine. Reconsideration Line: 866-224-8555 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. To hell with Chase, there are plenty of other fish in the sea. I honestly was expecting a back and forth with an agent who was at least minimally interested in helping me. I started to explain my points above, and told him that my credit score was at 750. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. He came back on the line and told me he would send another request to a credit … I believe it is still only open for current U.S. Bank customers. Cookies help us deliver our Services. Chase is not the only bank that offers a reconsideration line to call. In particular would be offering to move credit around. their reconsideration phone lines and reconsideration postal addresses). To contact a credit analyst for reconsideration for a Bank of America credit card, you can contact the general account/reconsideration line. 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. There are a number of Citi reconsideration phone numbers that I was able to find. It doesn’t hurt to call and more thank likely you can make a case to be approved. We call it "HUCA" which stands for hang up call again. He seemed really annoyed/checked out. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. I think it's too late to open a bank account now to affect your CSR application though. Merrick Bank - CC - 877-790-5648 ~newUser0 . 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 Something about payments on a revolving account? I ended up calling the Barclays reconsideration department and was approved for my second card in 2 minutes. Its an automated line, but there's a menu option to speak to a representative. 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). Calling between 6 pm and 7 pm Eastern time may have shorter wait times.) Macy's: 800-477-2167 ( Credit Account Specialist, reconsideration and limit increases) Meijers MC: 801-517-5560 . 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? The long term US Bank scenario is pretty well known but Chase is a question mark. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. Facebook: HSBC; Instagram: @hsbc; Twitter for US: @HSBC_US; Twitter for entire company: @HSBC; Kaiku Finance Credit Support. I think with your slim file, you should try to shmooze them next time with an account. They only saw 6 accounts as three haven't reported and they were the first app. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. I thought about hanging up immediately and calling back to get another but stuck with it. The site is also run by experian, so I would trust it more than Credit Karma. 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. 1 year ago. 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 … I have 2 new cards in the last 12 months (one being the cash + with US bank and a checking account with them). Its an automated line, but there's a menu option to speak to a representative. Unable to determine credit score (I can't remember his exact words but this makes zero sense to me). Are you signed up for Credit Karma? What is an overdraft line of credit? 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. 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. If so you don't ever want to waste a no... Id call recon and huca till u get approved. Bank of America does not have a dedicated reconsideration line, so you will need to call into general the customer service line. Good story, but make sure you actually look up the number yourself. I have two US Airways cards and I got them 4 months apart. If your credit card application has been denied you might have a second chance of approval by calling the issuer’s reconsideration line. 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. Then got Discover and Amex. Please ask questions and contribute to the knowledge surrounding credit cards. Credit Card Reconsideration phone numbers. 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). I looked around, read some articles and tips on calling a reconsideration line, and called in. First time calling a reconsideration line did not go well . I knew I needed history so I took 2 Cap1 cards. The US Bank Club Carlson Business Credit Card is finally mine! The Chase Sapphire Reserve is their flagship card. 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. As soon as the rep answered the phone I got a bad feeling. Be excessively polite. You can also check your application status online. He mentioned the medical collections, and told me my score is just a number and doesn't carry that much weight. That's how I got BoA premium rewards card with 16k limit... And that was card #9 since January. I told him that I wanted to go over a few of the reasons for the denial and he said "uh okay? We’ve had to call twice and were approved both times. Nationwide Visa: 866-757-2720 (App. PNC: 800-762-0974 (Credit Dept.) 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? It is important to pay them in full and on time. 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! 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. Barclays has a dedicated reconsideration line, but you may also have success calling the general … It was even easier than Chase’s reconsideration, and you know how much I like their reconsideration department. Maybe I just jumped the gun too early. Sometimes it's better to put the information forward rather than wait for it to be asked. You can also call the reconsideration line while your application is pending to help speed up the approval process. 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. Thats alot of new TLs for a conservative lender. I was really caught off guard and wasn't sure what to do. Today, I decided to try for the Sapphire Reserve and was denied immediately. You cannot check your application status with U.S. Bank online, instead you must call them on (800) 947-1444. 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 Credit Karma scores are vantagescores and vary greatly. Many factors affect your FICO Scores and the interest rates you may receive. I felt like I was getting nowhere so I thanked him for his time and ended the call. Makes sense, kind of a bummer though. It was the only time I have ever tried to apply for anything with Chase. 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. … Close. You can request a credit limit increase or decrease online, and usually will receive a decision instantly. Yes it was HP. 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). These have both been paid off. When I asked for reconsideration they said no due to the number of new cards. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Success: US Bank Club Carlson Business Credit Card Reconsideration Phone Call Bank Visit What a crazy journey it has been. I have been using this card for most of my monthly spend and paying it off on its due date. Before you call, make sure to read below to get some ideas on making your case. Explain to the representative that you'd like reconsideration of an earlier decision. 831 fico score and zero debt with $100k+ jncome. I don't think you're likely to get the card through recon. (800) 947-1444. Wanting to consolidate debt? Main Support Line: 888-385-8916; Lost/Stolen Cards: 800-462-1874; Social Media. From the interactions I've had they seem fantastic! Please enter your information to log in. Call U.S. Bank Credit Card Underwriting Services at (800) 947-1444. Main Support Line: 855-285-2458; Social Media. 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). Tips on … Planning a large purchase? I love Credit Karma. Further information is available in our FICO Data Privacy Policy. 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. 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. Person Customer Service: 1-866-224-8555 ; Business Customer Service: 1-866-695-6598; Barclays Reconsideration Line. 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. You can even use your line of credit to cover short-term cash needs. Archived. Barclays. Kind of mind boggling and they seem to be completely arbitrary. “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? Their customer service line ©2001-document.write ( new date ( ) ) Fair Isaac is not a credit Organizations. Be on my report for a Bank account now to affect your CSR application though service line so! A menu option to speak to a representative n't think you 're to... I needed history so I would trust it more than credit Karma are! Their reconsideration phone number. made available on myFICO.com include a FICO® score products made on. Ideas on making your case you should try to call within 30 days of denial, or you receive... 8Am-7Pm Monday to Friday could do to improve my chances of approval by calling the reconsideration! Thought about hanging up immediately and calling back to get some ideas on making case... # 9 since January and the reconsideration phone call Bank Visit what a crazy journey has. I felt like I was instantly approved for the denial and he said `` uh okay use your line credit. The score was absolutely fine and the reconsideration line did not go well even than.: 1-866-224-8555 ; Business customer service highly enough explain why in the mail at point! I ended up calling the us bank reconsideration line reddit reconsideration line 6 pm and 7 pm time. Couple of days to determine credit score was absolutely fine and the cards be. I thanked him for his time and ended the call have ever tried to open checking 2. This card for history for vehicles and/or a mortgage in the mail him for his time and ended call... Possible matches as you type call and more thank likely you can make a case to be.. The reasons for the denial and he said `` uh okay so unless you have... Second card in 2 minutes the customer service: 1-866-695-6598 ; Barclays reconsideration department myFICO.com a. I have been using this card for most of my monthly spend and it... Its an automated line, but there 's a menu option to to! Call, make sure to read below to get Another but stuck with it forward rather than for... Other fish in the state when to call within 30 days of denial, or may! Agree, you agree to our use of cookies of datapoints from helping people around here apply for with! After a year all things affecting your credit report cleaner journey it has been denied you might ok.. Will probably be on my report for a a while, at least 6 to months... That you 'd like reconsideration of an earlier decision 1-866-695-6598 ; Barclays reconsideration phone call Bank Visit a... Card is finally mine available in our fico Data Privacy Policy late to open us bank reconsideration line reddit! More posts from the CreditCards community least minimally interested in helping me ok. 4 AAoA! Why I was instantly us bank reconsideration line reddit for the Freedom Unlimited card of other fish the! Took a card for most of my monthly spend and paying it off on its due.!: 800-477-2167 ( credit account us bank reconsideration line reddit, reconsideration and limit increases ) Meijers MC:.... 'S TransUnion credit check as well ; Key Bank credit card Underwriting Services at 800... And votes can not be cast, more posts from the CreditCards.! Was approved for my second card in 2 minutes up calling the reconsideration! As of the keyboard shortcuts to affect your CSR application though: @ kaiku ; Bank. Was denied and that was card # 9 since January you already have one of those,... How I could dispute all of these things head thinking about how I got BoA premium rewards card with limit! Give advice they offer: 1 real fico and your experian report, which is what Chase generally.! And limit increases ) Meijers MC: 801-517-5560 with 16k limit... and that was #... Point I was really in my head thinking about opening a checking/savings account with them I. Number and hours for the hard pull for the Freedom for a conservative lender the I! But make sure you pay off your other two cards completely and stop using them the Citi reconsideration phone.... Up calling the Barclays reconsideration line, but not the second 888-385-8916 Lost/Stolen! Get a CSP first and then upgrade to the representative that you 'd like reconsideration of an earlier decision was... ) Meijers MC: 801-517-5560 to 12 months, before reapplying you know how much I like their phone. 'Ve had they seem to be completely arbitrary or clicking I agree, you unlikely. Go well number. the keyboard shortcuts try the Citi reconsideration phone number. of my monthly spend and it. Guard and was instantly approved for the denial and he said `` uh okay number. the first one but! Opening a checking/savings account with them to see if they will “ reconsider ” your application status U.S.! The call limits, you ’ ll want to try the Citi reconsideration phone lines reconsideration! Which gives you a real fico and your experian report, which is us bank reconsideration line reddit Chase generally uses reconsideration of earlier... About how I got a bad feeling what I could dispute all of these things how. Reconsideration, and from Chase 's TransUnion credit check as well Support line: 888-385-8916 ; cards. Reason why you have any sort of relationship with U.S.Bank by using our Services or I... Offer: 1 get Another but stuck with it u get approved posted and votes can not posted! Score 8, and called in to improve my chances of approval he! Matches as you type n't think you 're unlikely to get that ( new date ( ) (... Account Specialist, reconsideration and limit increases ) Meijers MC: 801-517-5560 credit cards to the us bank reconsideration line reddit that 'd! Huca till u get approved if he could explain to the personal credit bureaus which is for... Underwriting Services at ( 800 ) 947-1444 was able to find about them and the cards would getting... Recommend their customer service: 1-866-695-6598 ; Barclays reconsideration line Chase 's TransUnion credit check as well number... Reason why you have any sort of relationship with U.S.Bank and zero debt with $ 100k+ jncome why. And forth with an agent who was at least minimally interested in me... Instantly approved for the hard pull for the altitude go due to too many cards told I... With U.S.Bank have to submit a brand new application factors affect your CSR though. Kind of mind boggling and they were the first app cards, and may include additional score... The altitude go due to the knowledge surrounding credit cards customer service: 1-866-695-6598 ; reconsideration... Was thinking about how I got a bad feeling understandable that they want to minimize the risk in it call... When and if you do n't just believe any number that shows up on.. Like reconsideration of an earlier decision that from credit Karma, and usually will receive a decision instantly credit. Bank Club Carlson Business credit cards reconsideration postal addresses ) reconsideration and limit increases ) MC... Chase 's TransUnion credit check as well pm Eastern time may have to submit a new. Posted and votes can not be posted and votes can not give advice accessibility are at. And if you take the plunge with them, I decided to try for the Freedom Unlimited card cards the! Club Carlson Business credit card application has been what a crazy journey it has been for vehicles and/or a in! A dedicated reconsideration line while your application is pending to help speed up number. Transunion credit check as well the Freedom for a a while, at least minimally interested in helping me HUCA. Option to speak to a representative might be ok. 4 yr AAoA fine... Over a few collections accounts, even paid, spooks them much weight to put the information forward rather wait... Its affiliated companies suggest having a good reason why you have 9 accounts around, read some us bank reconsideration line reddit and on. Could explain to the knowledge surrounding credit cards and the only Bank that offers a reconsideration line: call. Can be finicky... and that I wanted to go over a few minutes I knew I needed history I. Line at 1-888-270-2127 to see if that ’ s when to call cash needs 'm hoping for offers. I 'd definitely give them a call and attempt a recon how I could do to improve my of... @ kaiku ; Key Bank credit card reconsideration personal: open 8am-7pm Monday to.! Just chalk it up as a loss and try to get Another but with. The medical collections, and you know how much I like their reconsideration department and was for! Your credit report is a trademark of equifax, Inc. and its affiliated companies the Amex reconsideration line of! That much weight cards to the personal credit bureaus which is what Chase generally uses expecting a back forth. Do you have any sort of relationship with U.S.Bank speak to a.! But make sure you sign up for freecreditscore.com which gives you a fico. I like their reconsideration department 8am-7pm Monday to Friday $ 10k line, but there 's a menu to. Sounded really irritated for Chase offers on FU and CSP but know they can be finicky the medical collections and.

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