Just like there are no guarantees with credit card applications, calling reconsideration won't always work. approve the application) if there's good reason to do so. While not every issuer has a separate, dedicated reconsideration department, most major card issuers have underwriting agents with the authority to review applications that have been rejected and reverse the decision (i.e. This is where the reconsideration department comes in. Related reading: 8 ways to maximize your chances of being approved for a credit card Because of the risk and cost involved in accidentally approving applicants who are considered risky, these mistakes tend to skew toward the conservative side - in other words, rejecting applicants who meet the application rules, are creditworthy and likely should be approved. While credit card issuers still employ human underwriters, most application decisions are made automatically by a computerized system that can make mistakes. ![]() Interested in more credit card news and advice from The Points Guy? Sign up for our daily newsletter. Here's everything you need to know about calling a credit card reconsideration line. In fact, a quick phone call to the reconsideration department might be able to flip your disappointing rejection into an approval and get you well on your way towards earning a free vacation. What you may not know is that, even when your credit card application is rejected, you usually have a chance to appeal and potentially reverse the decision. ![]() That being said, rejections are bound to happen. Obviously, the goal is to get as many of your applications approved as possible, and you can help your chances by applying for cards that match your credit profile and studying up on credit card application rules. ![]() Credit card issuers have the final say over whether or not your application is approved, and they rely on data like your credit score, income and history with the issuer to make that decision.
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