Credit Card Reconsideration Tips & Strategy: Change That Denial to an Approval!

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Credit Card Reconsideration

Credit Card Reconsideration Tips & Strategy

Credit Card Reconsideration Tips & Strategy

Most consumers don’t know that credit card reconsideration is even possible. Many people think the initial denial on a credit card application is final. Thankfully that isn’t always the case. It is possible with just about every bank to “plead your case” in an effort to overturn their decision. Sometimes you are able to speak to someone live who can help and other times you need to request an escalation. This post will arm you with the information you need for a successful credit card reconsideration experience.

Credit Card Reconsideration Phone Call

"Credit Card Reconsideration Tips & Strategy

No matter which method of credit card reconsideration you choose, here are some useful tips to maximize your chances of success based on my experience:

  • Be polite, professional and concise.
  • Know the benefits of the card you are applying for and why you want that card.
  • Address any concerns the bank has head on, but in a respectful way.
  • Offer to shift credit lines and/or close existing cards if you really want an approval. Show them that the card itself is important, but that you are not desperate for new credit.
  • If you ultimately are still denied, fully understand the reasons why so you can improve the chances of your application being approved the next time.

Additional Resources


If you have recently been denied for a credit card, then know that there is still a chance of gaining an approval via credit card reconsideration. While it doesn’t always work, by going through the reconsideration process, you will learn more about how banks work and what they are looking for in their customers. No matter whether it results in an approval or a denial, the credit card reconsideration experience will ultimately help you down the line with future applications.

Do you have any credit card reconsideration stories and/or questions? Feel free to share in the comments!

Shawn Coomer
Shawn Coomer earns and burns millions of miles/points per year circling the globe with his family. An expert at accumulating travel rewards, he founded Miles to Memories to help others achieve their travel goals for pennies on the dollar. Shawn also runs a million dollar reselling business, knows Vegas better than most and loves to spend his time at the 12 Disney parks across the world.

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  1. 3 1/2 years out of bankruptcy, 675 experian score with no late payments and 30K open on Capital One, Discover, Santander and Merrick. Chase outwardly denied me for a card. Reason: Bankruptcy. Mind you, I have had two good car loans with them pre and post Bankruptcy. I was denied for the Chase Slate card.

  2. I got denied by chase for the freedom card. First time applying. I’m building my credit from a bankruptcy 2 years ago. I’m not giving up.

    • 2 years in a bankruptcy is relatively close. Chase is hardcore on bankruptcy’s. Try other banks first you will probably receive the same denials. At this time secured cards which can convert to regular cards and store cards are your better options

  3. Wife applied for the Arrival+ and was approved. Then applied for a Frontier card to combine pulls. We live in Frontier’s hub of Denver, so I thought this would be a great reason to get the card. Agent kept explaining that she had too many recently opened cards, and they wouldn’t budge. No big deal since we already got the A+ approved, but there are tons of Frontier flights from Denver and it would’ve been nice now that it’s $400+ RT to fly from Denver to anywhere in Florida these days.

  4. Thank you for this valuable info. Both my husband and I have been turned down by Chase for “too many cards open” …the letter mentions there will be no reconsideration. ?


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