Getting rejected for a credit card isn't fun, but it's often not the final answer. Most banks have reconsideration lines where you can make your case. Here's what you need to know.

Making Your Reconsideration Call

Before you dial, take a few minutes to prepare:

• Know exactly why you want this specific card
• Have your current income and credit details ready
• Be prepared to explain any recent credit applications
• Think about what credit limits you could move around if you have other cards

Bank Contact Information

American Express

• 1-800-567-1083
• 30 days to reconsider without new credit pull
• Tip: They're often willing to move credit from existing cards

Chase

• 1-888-609-7805
• 30 days to reconsider
• Tip: Be ready to explain any authorized user accounts

Bank of America

• 1-888-569-4439 (business cards)
• 30 days to reconsider
• Note: Will require a new hard pull

Citi

• 1-800-695-5171
• 30 days to reconsider
• Note: Usually need changed circumstances for approval

Important: Some banks don't do reconsideration at all, including Discover, TD Bank, and HSBC. Don't waste your time calling these - if they decline you, it's final.

Making Your Case

1. Stay professional but friendly - you're asking for a second look
2. Have specific reasons ready for why you want the card
3. If you have other cards with the bank, mention your good payment history
4. Consider offering to start with a lower credit limit
5. Be prepared to move credit limits from existing cards

Remember: The person on the other end of the line wants to help if they can. Make it easy for them to say yes by being prepared and professional.

If reconsideration doesn't work out, wait a few months and try applying for a different card. Sometimes timing is everything with credit applications.