Guide: Has your Credit Card Application been Denied?

Has your credit card application been denied? Let’s see if we can help you get approved!

It’s tough to see the denial page when applying for a credit card, but don’t worry there are still ways to get approved! Let’s look at your options:

  1. Call their reconsideration line
  2. Write them a letter
  3. Wait 6 months

Reconsideration line

Note: If the reason why you were denied involves a short credit history or a small income, I would wait 6+ months. (Assuming your income raises for the latter)

The more popular method because it’s possible to get your application denial over turned to approval instantly. All you need to do is call their backdoor number: Click me to find your bank’s reconsideration number! What should you do when you are connected to an agent? (Note: You may want to have your pay stubs and/or tax statements ready)

  1. Ask to be reconsidered, you’ll most likely be asked a few verification questions. Remember, the credit card company thinks you’re a risk, show them why you are trustworthy.
  2. Doesn’t work? Try their manager, it doesn’t hurt to ask upper level management.
  3. Doesn’t work? You’ll need to wait 6 months+…

Write them a letter

Note: If the reason why you were denied involves a short credit history or a small income, I would wait 6+ months. (Assuming your income raises for the latter)

Have social anxiety? No time to call? This method might be for you, do note this note can take 3+ weeks.

How do you do it? Simple, take a look at this template: https://pastebin.com/YMbvnj5Q

(Credits to Wallet Hub)

Remember, you want to show them you are worthy of obtaining credit from them. Fill out the template and send it in! Just google their head office’s address.

Wait 6+ Months

Patience is a virtue. Let your credit score and history grow and you’ll have a better shot next time.

Want to learn more? Take a look at Wallet Hub’s guide: https://wallethub.com/edu/credit-card-reconsideration/25825/

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