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Jan 23

What if they don’t say YES right away — Expediting and Reconsideration

Credit Card Company Key Phone Numbers

Below is a list of some of the key (and often secret) phone numbers for checking on application status, moving along a “stuck” application, getting another shot if the company says NO, canceling (and getting paid not to) and the like. Note that there are a lot of these lists floating around the internet, but they often have stale info. I have tried to verify as much of these as possible and have included research notes. If you find any errors or have other information that you have personally verified, please include it in the comments so I can update the list.

Chase

  • Application Status (automated): 800-432-3117, press #, then press 2, then 1
    – verified 1/23/2012 by me
  • Personal & Business Reconsideration: 888-270-2127
    – new line, verified on 1/20/2017, works for both business & personal
  • Personal Reconsideration: 888-871-4649 (M-Sa 8am-10pm; Su 10am-9pm EST)
    – not working as of early 2017
    – re-verified 10/24/2013 by me – person picks up right away. Super simple to open new card by transferring limit from old. Maybe 5 minutes.
    – re-verified 5/12/2012 by me (person picks up phone without transfer or pushing buttons); I said that I am waiting for a decision but assumed that Chase would want to reallocate. He agreed and asked where I wanted to move the money from (I could chose from any of my personal cards). Three minutes later I was approved and ready to go.
    – verified 1/27/2012 by me (person picks up phone without transfer or pushing buttons); They ask for a reference number but your social is fine. I was approved for a personal card the day before without intervention and they gave me this info so I can’t comment on this phone number’s effectiveness for a reconsideration
  • Personal Reconsideration “Credit Analyst”: 888-245-0625
    – not working as of early 2017
    – verified 1/23/2012 by me (analyst picks up phone without transfer or pushing buttons); note that this analyst said that she could not take any action prior to the initial decision being made
  • Personal Reconsideration “Lending”: 888-609-7805
    – verified 1/25/2012 by me (analyst picks up phone without transfer or pushing buttons); note that this analyst said that she could not take any action prior to the initial decision being made
  • Business Reconsideration “Lending”: 800-453-9719
    – re-verified 10/24/2013 by me – person picks up right away. Same as last time, goes through all the business numbers and took some credit limit from a personal card.
    – verified 1/25/2012 by me; analyst asked questions about the business’s revenues and profits from this, last and next year along with personal income and assets. She then “recommended” approval to her computer, took some credit limit from a personal card and then said I was officially approved a few seconds later
  • Other Reported Reconsideration Lines: 888-270-2127
  • Credit Limit Increase Requests: 877-781-3109
  • Executive Office (IL): 888-622-7547
    – verified 1/25/2012; recording picks up, asks for extension, if none given transfers to a live person within 20 seconds
  • Product Change Status: 800-955-9900

Back of the Card Customer Service Numbers

  • Ink Bold: 800-945-2027; 614-776-7050
  • Sapphire Preferred: 800-493-3319; 614-776-7050
  • Southwest: 800-792-0001; 302-594-8200
  • British Airways: 800-577-0633; 802-594-8200

Citibank

  • Account Analyst (Personal and Business): 866-606-2787 (M-F 8am-9pm, Sa-Sun 8am-5pm Eastern, Business weekdays only)
    – Call this number if you don’t get an instant approval. You should generally have a reference number
    – verified 11/19/2011
  • Business Application Status: 888-201-4523
    – press #1 for application status, #2 for giving more information, #3 for reconsideration
    – verified (initial pickup only) 1/25/2012
  • Application Status: 800-645-7240, 800-288-4653, 800-750-7453
  • Retention Department: 800-444-2568
    – verified 1/25/2012; human in retention department picks up directly
  • Credit Bureau Disputes (Fax): 866-713-5028
  • Credit Department “Application Status”: 800-763-9795
    – verified 1/25/2012; human in that says they are in the Application Status Department picks up right after a recorded call warning

Back of the Card Customer Service Numbers

  • Citi Forward: 800-950-5114; 605-335-2222
  • AAdvantage Amex: 866-449-2484; 605-330-6752
  • AAdvantage Visa & Mastercard: 888-766-2484; 605-335-2222
  • AAdvantage Business Visa: 800-732-6000; 904-954-2712

American Express

  • Application Reconsideration: 866-314-0237
  • New Accounts: 877-399-3083
  • Credit Services: 800-230-1284
  • Membership Rewards: 800-297-3276

Back of the Card Customer Service Numbers

  • International Collect for all cards: 336-393-1111
  • The Platinum Card Personal: 800-525-3355; 954-473-2123
  • Starwood Personal: 800-950-5114 or 800-297-1000
  • Starwood Business: 800-926-0143
  • Blue Preferred: 888-258-3741
  • Premier Rewards Gold: 800-327-2177
  • Delta Skymiles: 800-257-0770
  • Blue for Business: 877-258-3254

Bank Of America

  • Credit Analyst: 866-458-8805
    -verified 1/25/2012; person picks up right away, says they are in the “Additional information department of the credit department”
  • Application Status: 877-721-9405 then press #3
    -verified 1/27/2012, digital voice picks up and asks you to type in your social. This is as far as I got on this attempt.

Barclay’s

  • Credit Analyst:  866-369-1283
    -verified 1/27/2012; person picks up right away saying “Credit Services”

Discover

Back of the Card Customer Service Numbers

  • All Discover Cards: 800-347-2683 (800-DISCOVER); 801-902-3100

Capital One

Back of the Card Customer Service Numbers

  • Platinum No Hassles: 800-955-7070; 804-934-2001

Other Phone Numbers of Interest

  • Fidelity Visa Debit Card (PNC Bank) 800-323-5353; 215-749-3677
  • Visa Signature Concierge: 800-953-7392
  • Priority Pass: 469-241-6807
  • American Airlines Gold Desk: 800-848-4653
  • Delta Silver Desk: 800-325-6330; 404-714-2300
  • Starwood Gold Desk: 888-625-4990; 519-637-6500
  • Hilton Diamond Desk: 877-444-9847
  • Marriott Silver: 800-228-2100 (Res); 800-321-7396 (Service)

Permanent link to this article: http://freetravelgenius.com/reconsideration/