Recon Numbers for Credit Card Applications
When applying for a new credit card, sometimes we see that “pending further review” page instead of the desires “Approved”. But we all know that’s not the end of an application. You should always follow up will a call but that number is not easy to find on most bank’s websites. So here’s a list to make it easier to contact your bank. Please let me know if you see any info that’s outdated. I’ll try to keep it as current as possible.
American Express Credit Card Recon Line
- 800-567-1083, 800-528-4800, 866-314-0237 (personal)
- 800-492-3344 (business)
- 800-567-1085 (application status)
- 800-223-2670 (apply by phone)
- Amex Application Status Check
Bank of America Credit Card Recon Line
- 866-865-7839 (personal)
- 888-782-7717, 888-569-4436 (business)
- 877-721-9405 (application status)
- Bank of America Application Status Check
Barclaycard Credit Card Recon Line
- 866-408-4064
- Barclays Online Application Status Check
Capital One Bank Credit Card Recon Line
- 800-625-7866
- 800-903-9177 (application status)
- 800-695-5500 (apply by phone)
Chase Bank Credit Card Recon Line
- 888-270-2127 (personal)
- 800-453-9719 (business)
- 888-338-2586 (application status)
Citibank Credit Card Recon Line
- 800-763-9795
- 888-201-4523 (application status or apply by phone)
- Citi Application Status Check
Discover Credit Card Recon Line
- 800-347-2683
- 888-676-3695 (application status)
- Discover Application Status Check
First National Credit Card Recon Line
- 888-530-3626
HSBC Credit Card Recon line
- 888-385-8916
PNC Credit Card Recon Line
- 800-762-5684
US Bank Credit Card Recon Line
- 800-947-1444
Wells Fargo Credit Card Recon Line
- 800-869-3557
- 800-967-9521 (application status)
- 877-514-3717 (application status for Amex cards)
- 800-932-6736 (apply by phone)
- Wells Fargo Application Status Check
Before Calling
Before calling the recon number for a credit card that you have applied for, make sure to do some research. It’s a good idea to check your credit report for possible errors that might have caused a problem. Also be sure to know the perks of the card that you are applying for, so you can point out why do want the card especially if you also have other multiple cards with the same issuer. It’s not a good idea to just say “I want that big bonus, but don’t really care about the card.”
One of the most common reasons for being declined is that you might have reached the credit limit that a bank is willing to give you. In that case, you should be prepared to ask them to move credit around and it’s important to know the credit limits you have for each card and which cards you would need to have a higher limit than others.
Remember to be always be polite when calling. It might not improve your odds by much, but it will surely not make them worse. Phone reps have to deal will rude people all day long, so some kind words could go a long way.
