Question: How Do I Ask For Credit Card Reconsideration?

Is discover hard to get approved for?

There aren’t any Discover cards that flat-out require excellent credit, currently.

But we recommend a score of at least 700, which is toward the top of the good range, for the cards that require good credit for approval.

So most Discover cards may be a tough get for the average person, who has a credit score of 669..

When should I call Chase reconsideration line?

You can usually wait up to 30 days to call into reconsideration about your application but I do not recommend waiting that long. There are plenty of reports of Chase pulling your credit report again if you wait near that long. So I would call in as soon as I got a rejection or the 7 to 10 day message.

Does Discover have a reconsideration line?

After you’ve determined the reason(s) you were denied for a Discover card, if you think your application deserves a second look, try a reconsideration. Discover does not have a dedicated phone line for reconsiderations, but you can call customer service at 1 (800) 347-2683.

Does Capital One reconsider?

The Capital One credit card reconsideration process works by calling their application phone number at 1-800-695-5500 or customer service at 1-800-227-4825, since they don’t have a dedicated line for it. You’ll have a chance to make your case and to explain why they should reconsider declining your application.

What do you say when you call a reconsideration line?

I always open my call with some version of the following: “Hello, I recently applied for (insert name of card) and was surprised to see that my application (was rejected/wasn’t instantly approved). I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered.”

How do you write a letter to a judge for reconsideration?

Include only important details and make every sentence count. Begin the body of the letter by stating more details about the case it involves. State the decision you are asking him to reconsider and explain the reasons why. Offer several reasons you believe the decision should be reconsidered.

Why wont discover approve me?

In particular, Discover names three reasons why you might not be approved: not enough income, too much debt, or a pending bankruptcy.

What do you say in credit card reconsideration?

What to say in a reconsideration call if. You’ve already got a wallet full of cards, and a bank still denies you a new one. “I would bring up my great credit score and history of paying on time all the time,” Streisand said. “I would say, ‘If you look at my credit report, my payment history is perfect.

How do you ask for a reconsideration?

Steps for Writing a Reconsideration Letter Explain the purpose of your letter, and mention your previous request. Explain the reasons behind the rejection or the unfavorable decision you would like to be reconsidered. Ask for a reconsideration of the company’s position. Explain the dispute in detail.

Does 7 10 days mean denial?

Re: 7-10 day message usually means a decline? … A 7-10 days message doesn’t mean decline. There may be a few things the computer picked that needs a closer look.

How do I overturn a credit card denial?

Applicants can simply contact their bank’s reconsideration line and speak with a representative about their application. At that time, the representative may quickly override the earlier decision, or at least give the applicant the chance to provide more information with which to reconsider the application.

How do you end a reconsideration letter?

Closing Your Reconsideration Letter Wrap up your reconsideration letter with a quick thank-you. Add a formal closing and indicate that attachments are included. For example: Thank you for taking the time and effort to reconsider my decision.