Monday - Nov 20, 2017

Bank Phone Numbers , Application Rules, Pre-approved offers and more …


Updated on 06/30/2015:

It is hard to find all the information in one place. Each bank has its own rules when approving for Credit cards.

 

This post is intended to gather all the necessary information like how often can you apply, how to check application status, how to reach reconsideration department etc.. we will list this information for most major banks.

 

List of Phone numbers you should know

List of Phone numbers you should know 

 

Disclaimers:

  • Information listed in this post is based on personal experience and research. Please do your own research and confirm
  • When you apply for the same Credit Card or apply too many credit cards, your results may not be as expected. Please use caution
  • This information is applicable for personal Credit Cards only.
  • When you call these phone numbers, make sure to confirm that you are talking with the person you intended to (Confirm the right department and bank)

 

Read these posts for basics and risks.

What is Credit Score? What is the impact on credit score when you apply for credit cards?

How to build Credit History?

Follow these 4S before applying Credit Cards

 

Chase Bank

How to check pre-qualified offers?

Chase Pre-qualified Offers

How to check application status?

800-432-3117 – General Application Status Line, automated
800-436-7927 – Alternative General Application Status Line, automated

 

How long should you wait before applying for another Chase card?

There do not seem to be any rules here, but it is recommended to wait at least 30 days before applying another chase card.

 

Can you get the signup bonus again?

You can get the sign up bonus again as long as

  • You do not hold the same consumer credit card and
  • you have-not received a new card member bonus for the same consumer credit card within the last 24 months (not the approval date, but the day you received the bonus which is usually 3 months from the application approval)

 

How to reach reconsideration department if you are denied?

888-245-0625 – Personal Reconsideration Line with a live rep
888-609-7805 – Alternative Personal Reconsideration line with live rep

 

How to reach retention department when your annual fee is due?

If you decide to cancel, You have 60 days from the day annual fee is posted to your account, to get a full refund. There is no direct number to reach the retention department (also loyalty department). Call the number on the back of the card and explain that you want to check the options available to negate the annual fee.

 

Citi Bank

How to check pre-qualified offers?

Citi Pre-qualified Offers

 

How to check application status?

Check online

888-201-4523 – Application status

 

How long should you wait before applying for another Citi card?

No more than 1 Citi card in 8 days and 2 Citi cards within 65 days (applies to combination of personal and business card also)

 

Can you get the signup bonus again for the same card?

You need to wait 18 months from the date of opening or closing the same card. If you violate the rule, Citi may approve your card with out a signup bonus

 

How to reach reconsideration department if you are denied?

866- 606-2961 – Reconsideration Line

800-444-2568 – Alternate Option

When you check application status online, You may also talk to Citi through the “Chat” feature (Chat window will usually pop up)

 

How to reach retention department ?

You have 37 days from the day annual fee is posted to your account, to get a full refund of annual fee,  if you decide to cancel. There is no direct number to reach the retention department, call the number on the back of the card and mention that you plan on cancelling the card, and you will be forwarded to retention department.

 

American Express

How to check pre-qualified offers?

Amex Pre-qualified Offers (Open this link in a private/Incognito browsing session)

Check CardMatch tool

Call 800-243-3888 and check if you have any targeted offers.

 

How to check application status?

877- 399-3083 – Application Status

866-314-0237 (Mon-Fri 6am-8pm MST)

Check online

 

How long should you wait before applying for another American Express card?

You can have a maximum of 4 Amex Credit cards (personal and business), this limit does not apply to Charge cards.

There seems to be no rules on how long you should wait before applying for another card. In any event, I would prefer to wait at least 30 days to apply another card. If you apply and got pending/rejection notice, make sure to have a good reason for the card before calling reconsideration line.

 

Can you get the signup bonus again?

You can get Amex signup bonus only once in a Lifetime for all personal credit cards.

 

How to reach reconsideration department if you are denied?

800-230-1284 – credit services

866-314-0237 – reconsideration

 

How to reach retention department ?

800-452-3945

You have 60 days to get a full refund from the day the annual fee is charged, if you decide to cancel.

Another way to reach the reconsideration department is by calling the number on the back of your card and select “Cancel my card” and you will be talking to the retention department directly.

 

 

Bank of America(BOA)

How to check pre-qualified offers?

BOA Customized offers

 

How to check application status?

Check online

877-721-9405 (Press 3)

 

How long should you wait before applying for another BOA card?

If you credit history is strong, you could get multiple cards on the same day. If you apply for the same product, credit inquiry may merge on your credit report.

 

Can you get the signup bonus again?

You can get signup bonus multiple times.

 

How to reach reconsideration department if you are denied?

866-618-4585 – Reconsideration line

866-811-4108 (8am-9pm ET Mon-Fri only)

888-503-6092 (8am-9pm ET Mon-Fri only)

 

How to reach retention department ?

Call the number on the back of the card.

You have 30 days  from the day annual fee is charged to get a full refund of annual fee if you decide to cancel.

 

Barclays

How to check pre-qualified offers?

Not available at this time

 

How to check application status?

Check online

888-232-0780

 

How long should you wait before applying for another Barclays card?

Barclays can be tricky, you best chances are when you get Auto approved by the computer. Barclays would not want to see too many applications in the recent past.  Wait at least 3 months before applying for another Barclays card

 

Can you get the signup bonus again?

Some folks did get multiple bonuses on the same card as long as you are auto approved. your chances goes down drastically if a manual review is needed.

 

How to reach reconsideration department if you are denied?

866-408-4064 – Reconsideration line

 

How to reach retention department ?

Call the number on the back of the card.

You have 30 days to get a full refund of annual fee if you decide to cancel.

 

US Bank

How to check pre-qualified offers?

Card Offers

 

How to check application status?

 800-947-1444 – New Application Status

 

How long should you wait before applying for another US Bank card?

It may be advisable to wait for 6 months before applying another US bank card

 

Can you get the signup bonus again?

You cannot signup bonus if you have the same product within the last 12 months.

 

How to reach reconsideration department if you are denied?

800-947-1444 : Reconsideration line

800-685-7680

 

How to reach retention department when your annual fee is due ?

You have 30 days to get a full refund of annual fee if you decide to cancel.

There is no direct number to reach the retention department, call the number on the back of the card and check for any retention bonuses.

 

Conclusion:

Before deciding to apply for a credit cards, check if you have any pre-qualified offers. If you are denied, do not give up – call the reconsideration line.

When the annual fee is due, call and check for any retention offers. While the results may vary from person to person, it is certainly worth a try. If you choose to cancel during the middle of membership year, you may even get a partial refund of the annual fee for most of the cards.

 

 

Disclaimer:  Links mentioned in this post do not earn us any commission.

Editorial Note: Opinions, analysis and any calculations shown are authors alone. Information in this post is not reviewed, approved and endorsed by any airlines, frequent flyer programs or financial institutions

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