Video of a Credit Card Application Reconsideration Call


A few weeks ago, Rookie Alli applied for her very first cards. Her cards were all instantly approved except the Citi® Hilton HHonors™  Reserve Card.

She really wanted the Citi® Hilton HHonors™  Reserve Card because it comes with two free weekend nights at almost any Hilton worldwide. With the recent major devaluation to the Hilton award chart, Hilton points are worth way less, but these two free nights are still two free nights.

Application Link: Citi® Hilton HHonors™  Reserve Card

When her application for the Citi® Hilton HHonors™  Reserve Card was not immediately approved, she did what I always suggest. She called Citi’s reconsideration line immediately. These are the reconsideration line numbers I use.

American Express (866) 314-0237
Barclay’s (866) 408-4064
Chase (PERSONAL) (888) 245-0625
Chase (BUSINESS) (800) 453-9719
Citi (800) 695-5171
US Bank (800) 947-1444

I’ve made several reconsideration calls, and this was Rookie Alli’s third. In our experience, reconsideration calls are painless and a bit of a misnomer. Most of our reconsideration calls happen not when the application is denied, simply when it’s listed as pending.

And most of the time, the agent only asks questions we’ve already answered on the application.

The one thing I always do to prepare for a reconsideration call is to rehearse an answer to the question of why I want the card I’m calling about. The best answers reference the co-branded partner (ie Hilton on the Citi® Hilton HHonors™  Reserve Card), some benefit of card membership besides the sign up bonus, or both.

For this card, Rookie Alli’s answer was going to be: “I want the Citi® Hilton HHonors™  Reserve Card because I travel a lot and am loyal to Hilton, so I want to have a card that has a high earning potential of Hilton points.”

It’s not difficult to formulate a good answer.

But as with many “reconsideration” calls, there were no tough questions and no reconsideration–just a short hold and an approval. Take a look.

Hopefully this video clears up any apprehension you might have about calling the reconsideration lines. Not all calls are this painless, but most are.


If your credit card application is not immediately approved:

  1. Come up with a reason you want the card that does not reference the sign up bonus and does reference the card’s co-branded hotel or airline.
  2. Call the bank’s reconsideration line.
  3. Tell the agent you wanted to see if the bank needed any more information to process your application.
  4. Answer the agent’s questions truthfully.
  5. Generally, be approved.

Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

The comments section below is not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all questions are answered.

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  1. Thats what I like about this site Nice and Simple and easy to follow and now a video .
    If they turn you down how long should you wait to reapply 6 months ???? I got turned down BEFORE I found the site for a AAciti. Bus. card..

    Thank You

  2. Thanks for making this video. Very useful! The subtitles between clips were as funny as the main footage. Ha ha.

    I imagine the questioning is more thorough if it’s for a business credit card. Possible future video?

    • I usually get asked a few more questions on a business card, but I am rarely asked questions not already on the application.

  3. I’ve had better luck in making follow up calls with Chase than with American Express. Chase is often willing to move my credit around to approve an application. My experience with American Express is that they did not send a notice of rejection and it took several calls to rearrange my line of credit.

  4. I applied to the Citi 5x Gas/Grocery card on my latest 5 card churn, but they gave me an “automatic rejection” for having, per the supervisor on the reconsideration line, “more than one inquiry in the last five days.” You heard of this before? I figure I’ll give another call to the reconsideration line tomorrow, but it’s pretty odd.

  5. Your advice is fantastic! I followed the reconsideration instructions for the USAIR Barclay’s card and it worked after I had been denied. I am so glad that I found your site! Thank you!

  6. I was denied by Barclary due to too many credit in the past year. I have called them twice but was told the same result. They told me they need more time to see how I manage so many cards. What would be your advice? Thanks.


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