You can also check your application status online. It’s also good to mention that you’d like your message forward to someone who can help if need be. A denied application on some circumstances can be overturned by calling the reconsideration line as well. When you’re on the phone with either the first representative or their superior, ask someone why exactly you were denied credit. Bank of America" is the marketing name for the global banking and global markets business of Bank of America Corporation. One option is to transfer an outstanding balance from a different account. Before you call the reconsideration line, prepare. You can ask for a manual second review and be ready to discuss about the application in more details. Calling into Bank of America. Explain rationally why you want the credit card and ask what you can do to make that happen. After all your explanations and negotiations, you may still find yourself hearing a “no” from the customer service representative. (“Bank of America” or the “Bank”), by and through its undersigned counsel, pursuant to Fed. But if you were shopping for a mortgage or car loan, or simply wanted to compare rates on other credit cards, you may be able to explain that roadblock away. To speak to a representative about reconsidering your Chase credit card application, call the reconsideration line. You can ask for a manual second review and be ready to discuss about the application in more details. Bank of America Reconsideration Line: 1-866-422-8089: Citibank Reconsideration Line: 1-800-695–5171: Wells Fargo Reconsideration Line: 1-800-869-3557: Chase Reconsideration Line: ... December 26, 2020 4 Simple Ways to Accelerate Your Retirement. It's simple: we will never steer you in the wrong direction just because a company offers to pay us. Customer service (pusiness): 888-269-8690. "Bank of America" is the marketing name for the global banking and global markets business of Bank of America Corporation. If you’re not sure of what might be lurking on your credit report, request a copy to review. However, our web content may be different than the information you receive from a financial institution or service provider. Bank of America Application and Reconsideration Line. However, you might be able to explain delinquent accounts if you had a period of temporary financial hardship that has now been resolved. Bank of America is often overshadowed by credit card issuers like Chase, Amex, Citi and Capital One because it doesn’t have a single cohesive points currency with transfer partners like the other major players. Saving your Online ID means you don't have to enter it every time you sign in. But again, for just a few minutes of your time (and likely while you’re doing something else), it’s worth trying this avenue. If you’ve been a long term customer elsewhere, tempt them with the opportunity to take business away from a competitor. Comenity is known for issuing retail credit cards from a variety of big-leaguer retailers. Then, you can start applying for the credit cards you want once you’ve resolved those issues, whether it’s improving your credit score or paying down existing debt. Or check online here; Reconsideration line: 1-866-412-5956 Bank Of America: Person Customer Service: 1-866-224-8555; Business Customer Service: 1-866-695-6598 By admin February 24, 2020. Most major credit cards have a variety of customer service phone numbers to help you with your questions and concerns. My first choice (“Option 3”) led me to an automated phone line that just told me what I already knew (my application was denied) and then hung up on me. For personal cards: 800-528-4800, 877-399-3083, or 866-314-0237 Backdoor Credit Card Consideration Lines AmEx Collections Dept: 800-921-6490 (people on blacklist can call this number) AmEx Oasis Program: 888-232-3261 AmEx: 800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull) AmEx: 800-230-1284 (Account Services - handles accounts with … "Bank of America" is the marketing name for the global banking and global markets business of Bank of America Corporation. Another option is to offer closing an existing account, especially if you have multiple cards with the same company. It may help to have a copy of your credit report or information about your income, depending on the reason you were denied. To clear a saved Online ID, sign in and select Saved Online IDs from Profile and Settings. You can then respond directly to their concerns and again, get your side of the story in front of a fresh face. Prepare some talking points about your situation before picking up the phone. In these cases, a fresh set of human eyes may be all it takes to change that denial to an approval. Euromoney magazine named Bank of America the best bank in transaction services in Latin and North America in the publication’s 2020 Awards for Excellence. If nothing else, the employee you’re chatting with might be able to put you in touch with the right person to get your request approved. It also gives the creditor automatic business from the interest charged on your transferred balance. We are long standing customers with them (but no … They may have a clearer idea of the winning combination of accounts and credit lines. Crediful is committed to helping you make smarter financial decisions by presenting you with the best information possible. You can call the number for general account information at 800-432-1000. 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 It might be hard to plead your case on the reconsideration line if any of these situations are applicable to you. Bank of America won’t approve you if you have too many recent new cards opened across all banks. Reconsideration Line: 866-224-8555; General Account Line: 866-458-8805; To check the status of your Bank of America credit card application, you can call the application status line. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America… A reconsideration is like an appeal of Citi’s denial of your application. 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