Category

Chase

Reconsideration Line & Phone Numbers

The Importance Of The Reconsideration Line

As I talked about a few weeks ago, I did my latest round of credit card applications. While the majority of the cards that I applied for were instantly approved, a few like my Chase Fairmont card were deferred.

A deferred decision typically means that an actual human has to look over your application and make a judgment if the bank should approve you for the card.

This typically happens primarily for Business Cards, but in some cases, if you have too many open personal cards with the bank or if something is off on your application, they will defer your decision.

While the bank will eventually send you their final decision via snail mail, if you get deferred, from my experiences it is always better to go ahead and call their reconsideration line and be proactive!

The reason for this is simple. Many times, there are extenuating circumstances that may not come thru on your credit report and need to be verbally explained. Other times, the bank may simply need to confirm your new address or something else simple, thus your application was deferred.

Instead of waiting for a snail mail letter from the bank, you can simply clear up any questions they may have over the phone!

Chase Reconsideration Experience

Since my Chase Fairmont Card was deferred, I went ahead and called Chase’s reconsideration line to see what else they needed.

It was lucky that I called because it turned out to be a definite case of extenuating circumstances.

As I learned from the Credit Analyst, apparently over the years as I had applied for new Chase cards and gotten approved, with each new card my total line of credit with Chase increased and eventually surpassed $75,000.

It seems the Fairmont Card put me over the acceptable threshold for Chase’s credit line to income ratio. Or in other words, even though I always pay my bills on time, Chase thought they had given me to much credit compared to my income (typically they said they like to keep it under 30%).

Due to being over their threshold, Chase actually denied me for the Fairmont Card (which I found out via snail mail 2 weeks later after I was approved). However because I called the reconsideration line and explained the situation, instead of denying me, the Credit Analyst was able to close my old Chase Sapphire Card (which I had downgraded to from the Chase Sapphire Preferred), and move some of the credit lines on my other cards to free up credit for the new Fairmont Card.

After doing all that, I was approved for the Fairmont Card!

While my case is a bit extreme, it just goes to show you the power of using the reconsideration line.

Outside of US Bank, as long as your credit score is not low, even if you are denied for a new card, using the reconsideration line, you can usually talk you way into getting approved by closing some old cards or moving some credit around.

Reconsideration Phone Numbers

I was going to make a list of all the reconsideration line phone numbers but a few of the other bloggers have already covered them, so I will just share those pages.

Frugal Travel Guy Reconsideration Numbers

The Points Guy Reconsideration Numbers

Million Mile Secrets Reconsideration Numbers

Indulge The Wanderlust Reconsideration Numbers (Most Comprehensive)

For some reason or the other, all the above sites except ITW, “conveniently” forgot to include the number for Chase’s Reconsideration Line…

Luckily I have it saved in my phone, so here it is:

Chase Reconsideration Line – 1-800-453-9719

Recap

When applying for credit cards, the reconsideration line can be your best friend.

Instead of being automatically denied, the reconsideration line allows you the opportunity to explain, to a real person, why you need a new card.

As I talked about above, had I not called Chase after getting a deferred decision, I would have most likely been denied for the Fairmont Card because I was maxed out on the total amount of credit Chase could offer me.

However because I called Chase and explained the situation to the Credit Analyst, they were able to close an old card and move some credit around which ultimately allowed me to open my new Fairmont Card and get 2 free nights!

Basically at the end of the day, you have to be proactive when applying for credit cards. This includes monitoring your score, keeping up with new offers, and occasionally using the reconsideration line!

-Parag

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American Express American Express Application Status: https://www262.americanexpress.com/eaol/welcome.do 877-399-3083 – New Accounts (rings direct to a human) 866-379-3643 – New Accounts (rings to a series of prompts) 800-230-1284 – Account Services (initial prompt for account #) 800-253-1709 – Account Services (initial prompt for account #) 800-962-7227 – Reconsideration 866-314-0237 – Reconsideration

Read more at: Credit Card Company Contact Information | Frugal Travel Guy

American Express American Express Application Status: https://www262.americanexpress.com/eaol/welcome.do 877-399-3083 – New Accounts (rings direct to a human) 866-379-3643 – New Accounts (rings to a series of prompts) 800-230-1284 – Account Services (initial prompt for account #) 800-253-1709 – Account Services (initial prompt for account #) 800-962-7227 – Reconsideration 866-314-0237 – Reconsideration Bank Of America Bank of America Application Status: https://www5.bankofamerica.com/creditcards/application/decision.action 866-458-8804 – Appeals (rings direct to a credit analyst) 866-458-8805 – Appeals (rings direct to a credit analyst) 877-721-9405 – Application Status (Press 3 to speak to a human) 888-877-6262 – Application Status Barclays 888-232-0780 – Customer Care 866-408-4064 – Credit Analyst (Reconsideration) 866-369-1283 – Appeals (rings direct to a credit analyst) Capital One Note: Capital One doesn’t take customer initiated calls regarding application status until you have received an answer via mail. They also do not take customer initiated calls for credit line increases. 800-951-6951 – Customer Relations 800-548-4593 – Application Status (automated) 800-625-7866 – Account Specialist Chase 800-436-7927 – Application Status (automated) Citibank Online Check (replace XXXXX with your application ID): https://www.accountonline.com/cards/acq/CardApplicationStatus.do?applicationID=XXXXXXXXXXXXXX&screenID=3187 888-201-4523 – Application Status 866-606-2961 – Application Status 800-444-2568 – Retention Department 800-763-9795 – Reconsideration 866-606-2787 – Credit Analyst 800-765-9795 – Credit Analyst And to write in: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117 Discover Discover Application Status: https://www.discovercard.com/cardmembersvcs/acqs/app/displayStatusRequest 888-676-3695 – Reconsideration 866-219-0214 – Retention Department HSBC HSBC Application Status: https://www.partnercardapply.com/status/hsbccreditcard 866-574-4421 – Application Status 866-551-0258 – Credit Analyst 866-280-0118 – Executive Resolution Unit US Bank 800-947-1444 – Application Status (Press Option 1)

Read more at: Credit Card Company Contact Information | Frugal Travel Guy

American Express American Express Application Status: https://www262.americanexpress.com/eaol/welcome.do 877-399-3083 – New Accounts (rings direct to a human) 866-379-3643 – New Accounts (rings to a series of prompts) 800-230-1284 – Account Services (initial prompt for account #) 800-253-1709 – Account Services (initial prompt for account #) 800-962-7227 – Reconsideration 866-314-0237 – Reconsideration Bank Of America Bank of America Application Status: https://www5.bankofamerica.com/creditcards/application/decision.action 866-458-8804 – Appeals (rings direct to a credit analyst) 866-458-8805 – Appeals (rings direct to a credit analyst) 877-721-9405 – Application Status (Press 3 to speak to a human) 888-877-6262 – Application Status Barclays 888-232-0780 – Customer Care 866-408-4064 – Credit Analyst (Reconsideration) 866-369-1283 – Appeals (rings direct to a credit analyst) Capital One Note: Capital One doesn’t take customer initiated calls regarding application status until you have received an answer via mail. They also do not take customer initiated calls for credit line increases. 800-951-6951 – Customer Relations 800-548-4593 – Application Status (automated) 800-625-7866 – Account Specialist Chase 800-436-7927 – Application Status (automated) Citibank Online Check (replace XXXXX with your application ID): https://www.accountonline.com/cards/acq/CardApplicationStatus.do?applicationID=XXXXXXXXXXXXXX&screenID=3187 888-201-4523 – Application Status 866-606-2961 – Application Status 800-444-2568 – Retention Department 800-763-9795 – Reconsideration 866-606-2787 – Credit Analyst 800-765-9795 – Credit Analyst And to write in: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117 Discover Discover Application Status: https://www.discovercard.com/cardmembersvcs/acqs/app/displayStatusRequest 888-676-3695 – Reconsideration 866-219-0214 – Retention Department HSBC HSBC Application Status: https://www.partnercardapply.com/status/hsbccreditcard 866-574-4421 – Application Status 866-551-0258 – Credit Analyst 866-280-0118 – Executive Resolution Unit US Bank 800-947-1444 – Application Status (Press Option 1)

Read more at: Credit Card Company Contact Information | Frugal Travel Guy

American Express American Express Application Status: https://www262.americanexpress.com/eaol/welcome.do 877-399-3083 – New Accounts (rings direct to a human) 866-379-3643 – New Accounts (rings to a series of prompts) 800-230-1284 – Account Services (initial prompt for account #) 800-253-1709 – Account Services (initial prompt for account #) 800-962-7227 – Reconsideration 866-314-0237 – Reconsideration Bank Of America Bank of America Application Status: https://www5.bankofamerica.com/creditcards/application/decision.action 866-458-8804 – Appeals (rings direct to a credit analyst) 866-458-8805 – Appeals (rings direct to a credit analyst) 877-721-9405 – Application Status (Press 3 to speak to a human) 888-877-6262 – Application Status Barclays 888-232-0780 – Customer Care 866-408-4064 – Credit Analyst (Reconsideration) 866-369-1283 – Appeals (rings direct to a credit analyst) Capital One Note: Capital One doesn’t take customer initiated calls regarding application status until you have received an answer via mail. They also do not take customer initiated calls for credit line increases. 800-951-6951 – Customer Relations 800-548-4593 – Application Status (automated) 800-625-7866 – Account Specialist Chase 800-436-7927 – Application Status (automated) Citibank Online Check (replace XXXXX with your application ID): https://www.accountonline.com/cards/acq/CardApplicationStatus.do?applicationID=XXXXXXXXXXXXXX&screenID=3187 888-201-4523 – Application Status 866-606-2961 – Application Status 800-444-2568 – Retention Department 800-763-9795 – Reconsideration 866-606-2787 – Credit Analyst 800-765-9795 – Credit Analyst And to write in: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117 Discover Discover Application Status: https://www.discovercard.com/cardmembersvcs/acqs/app/displayStatusRequest 888-676-3695 – Reconsideration 866-219-0214 – Retention Department HSBC HSBC Application Status: https://www.partnercardapply.com/status/hsbccreditcard 866-574-4421 – Application Status 866-551-0258 – Credit Analyst 866-280-0118 – Executive Resolution Unit US Bank 800-947-1444 – Application Status (Press Option 1)

Read more at: Credit Card Company Contact Information | Frugal Travel Guy

American Express American Express Application Status: https://www262.americanexpress.com/eaol/welcome.do 877-399-3083 – New Accounts (rings direct to a human) 866-379-3643 – New Accounts (rings to a series of prompts) 800-230-1284 – Account Services (initial prompt for account #) 800-253-1709 – Account Services (initial prompt for account #) 800-962-7227 – Reconsideration 866-314-0237 – Reconsideration Bank Of America Bank of America Application Status: https://www5.bankofamerica.com/creditcards/application/decision.action 866-458-8804 – Appeals (rings direct to a credit analyst) 866-458-8805 – Appeals (rings direct to a credit analyst) 877-721-9405 – Application Status (Press 3 to speak to a human) 888-877-6262 – Application Status Barclays 888-232-0780 – Customer Care 866-408-4064 – Credit Analyst (Reconsideration) 866-369-1283 – Appeals (rings direct to a credit analyst) Capital One Note: Capital One doesn’t take customer initiated calls regarding application status until you have received an answer via mail. They also do not take customer initiated calls for credit line increases. 800-951-6951 – Customer Relations 800-548-4593 – Application Status (automated) 800-625-7866 – Account Specialist Chase 800-436-7927 – Application Status (automated) Citibank Online Check (replace XXXXX with your application ID): https://www.accountonline.com/cards/acq/CardApplicationStatus.do?applicationID=XXXXXXXXXXXXXX&screenID=3187 888-201-4523 – Application Status 866-606-2961 – Application Status 800-444-2568 – Retention Department 800-763-9795 – Reconsideration 866-606-2787 – Credit Analyst 800-765-9795 – Credit Analyst And to write in: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117 Discover Discover Application Status: https://www.discovercard.com/cardmembersvcs/acqs/app/displayStatusRequest 888-676-3695 – Reconsideration 866-219-0214 – Retention Department HSBC HSBC Application Status: https://www.partnercardapply.com/status/hsbccreditcard 866-574-4421 – Application Status 866-551-0258 – Credit Analyst 866-280-0118 – Executive Resolution Unit US Bank 800-947-1444 – Application Status (Press Option 1)

Read more at: Credit Card Company Contact Information | Frugal Travel Guy

Using Chase Giftcards & Bluebird To Generate Free Spend

Completing Minimum Spend

As most of you know, I did a round of credit card applications earlier this month.

To receive all 135,000 miles + 4 free hotel nights, within the span of 3 months, I need to spend $9,000!

While it is a large sum, there are a few easy way to do this without spending money on unnecessary purchases:

1. Use Your Card For Everyday Purchases

This option is fairly obvious but you can use your new credit cards to pay for dinner, groceries, gas, clothes, etc.

In addition to the basics, there are lots of other things that you can pay for with a credit card that most people overlook.

Million Mile Secrets has a great list of 40+ ways but some “overlooked items” include paying college tuition (if there isn’t a fee), car / home insurance, cell phone / internet (easy $200+ a month), gym membership, etc.

Taking advantage of paying for these everyday purchases via credit card can easily help you spend $1,000 – $3,000 a month if you are a family of 4.

While $1,000 – $3,000 a month in spend certainly does help put a dent in minimum spend requirements, when you have to spend $9,000 in 3 months, it is always good to look at other options.

2. Amazon Payments

Amazon Payments is one of the easiest and cheapest ways to generate an extra $1,000 a month in spend since it is all done online and is currently FREE!

I use Amazon Payment to pay my rent every month, but as I talked about in this old post, you can use it for anything. If you have a family of 4, you can easily generate $4,000 a month in FREE spend!

I made my parents and brother set up Amazon Payments accounts for my use. When I need to meet minimum spend, I just use my credit card under their names and am able to send money to myself or trusted friends without issue. That is how I completed the $1,000 minimum spend requirement for my new Fairmont card via my mom’s Amazon Payment account!

3. Vanilla Reloads

While Vanilla Reloads don’t get as much attention anymore because the lucrative 5x UR bonus at Office Depot is long dead, you can still purchase Vanilla Reload Cards at CVS (if there is a CVS near you).

While there is a fee of $3.95 per $500, if you are really in a bind, then for $19.50 you can “spend” $2,500.

If spending $19.50 can help you reach a minimum spend requirement and earn some free travel, then I’d say it is money well spent!

This technique isn’t a particularly great way to earn miles (unless you really need them), but is extremely useful for hitting minimum spend targets in a short time.

For example, I just had my parents sign up for some cards this weekend and they have to spend $5,000 in 3 months. They should be able to do that pretty easily. However this week when I called British Airways to cancel my Dad’s BA card for him, I was informed of a retention bonus of 9,000 Avios if he spent $1,500 in 3 months. Since my parents are already doing their $5,000 in minimum spend, I figure I will just go to CVS and buy $1,500 in Vanilla Reloads for them for $12 and earn 10,500 (9,000 Avios + $1,500) Avios for our BA Family Account.

More information about Vanilla Reload Cards and Bluebird can be found here.

4. Chase Giftcards

This technique I just came across a few weeks ago thanks to Frequent Miler and Million Mile Secrets.

As of right now, Chase is selling their Chase giftcards via their website without an additional fees!

Even better, is that you can purchase these giftcards with a Chase Visa or Mastercard credit card. Unless you live in AR, CT, HI, ME, NH, NJ, RI, VT, then you can’t buy them online.

I tried to use a Citi card, but the website knew it wasn’t a Chase card : (

While that news of giftcards being sold online isn’t terribly exciting, due to financial reform, all pre-paid giftcards are required to come with a debit pin!

As I learned from Million Mile Secrets, you can load your Bluebird Card at Walmart with a debit card (or giftcard) as long as it has a pin…

So basically, with this Chase promotion, you can buy these Chase giftcards with a credit card, load the giftcards onto Bluebird, and then pay off your credit card bills!

How To Buy Chase Giftcards & Load Them Onto Bluebird

1. Go to Chase Gift Cards Website

Link To Chase Website

On the right hand you will see a “Order Online” button. Click on it and it will take you to an external vendor to purchase the giftcards.

2. Buy Some Giftcards

You can order a maximum of 5 giftcards (up to $500 in value) each transaction.

At the current time, it seems you can only buy $2,500 worth of giftcards per a month, per a card.

I tried to do two $2,500 transactions and was denied.

However you can use a different Chase card to do additional orders.

To purchase giftcards, on the main page, pick your card design, as well as the value (I did $500).

For the recipient information, I put down MY name, address, and email.

If you choose a value over $100, the giftcard has to be shipped to the person who purchased the giftcards anyways, so there is no real value in not putting your real information.

Once you add the giftcard to your account, simply go back and add 4 more giftcards, and click on check out!

When you check out, you will need to enter your Social Security Number and Date of Birth. I am guessing this an attempt to monitor money laundering.

3. Wait For Arrival

The giftcards take 5-7 days to arrive and they come via standard USPS mail.

4. Activate Cards

Once you receive your giftcards, call and activate them via the number on the back of the card.

On the automated system, it will give you the PINs for the giftcards. It also prompts you to change the PIN if you want.

I chose to leave the PINs unchanged and wrote them on the back of the giftcards so I’ll remember them.

5. Go to Walmart or Walmart Express

You can load $1,000 a day (or two $500 giftcards) onto Bluebird in a day.

To load the Bluebird card, you have to go to Walmart.

I live in Downtown Chicago and Big Box retailers aren’t exactly welcome here, so Walmart instead opened up a Walmart Express which is a scaled down version of a Super Walmart. You can use these Walmart Express stores to load your Bluebird Card or regular Walmarts or Super Walmarts.

To load the your Bluebird card at Walmart, you can either do 2 things.

A. Go to Walmart ATM

If your store has a Walmart ATM, I’d recommend going that route since it is easier and you don’t have to answer as many questions.

To load your Chase giftcards via the Walmart ATM, read Million Mile Secrets instructions here.

Unfortunately, my Walmart Express didn’t have a Walmart ATM so I had to go with option B.

B. Go to Walmart Money Center or Customer Service

If your Walmart has a Walmart Money Center (photo below), then you can go there to load your Bluebird.

My Walmart Express did not have a Walmart Money Center or Walmart ATM, so instead I just went to Customer Service.

When the cashier asks what you want to do, simply tell them you want to load your Walmart Bluebird Card with a DEBIT CARD.

Sometimes the cashier knows how to do it, other times they may need to call someone over.

You will have to hand over your Bluebird Card to them to do the transaction.

They will then ask you how much you want to load. Tell them $500.

The $500 will then appear on the screen for you to approve.

Once you approve it, you will then be asked to swipe your debit card and enter your pin.

As soon as the money is loaded, you will get a receipt that says at the bottom how much is loaded onto your Bluebird Card!

I did two separate $500 transactions in a row. I am not sure if you can do a $1,000 transaction and pay with 2 different cards.

If the cashier asks why you want to load $1,000 or $500, just say that you purchase things on the internet and don’t want to use your real credit card out of concern over identity theft. Works every time : )

6. Pay off your credit card bills

Once your Bluebird is loaded, then simply use it to pay off your credit card bills.

7. Repeat

As I stated above, there does seem to be a monthly limit of $2,500 per a card.

You can always use another Chase card but remember there is a monthly $5,000 load limit on Bluebird. Obviously this can be alleviated, if you tell your family members to sign up for Bluebird Cards, as I have done.

Recap

While large minimum spend requirements can be daunting, if you use the above tips and tricks, you can fairly easily spend $9,000+ in 3 months without buying unnecessary stuff.

By using the above tricks and making a few trips to Walmart and CVS, I will be able to earn over 135,000 miles + 4 free nights, for a few hours of work.

The value of the 135,000 miles + 4 free nights can easily top $10,000+ depending on what I redeem them for, so in my book 5 trips to Walmart is definitely worth a few hours of time since I normally don’t make $2,500 an hour!

-Parag

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Fairmont Visa – Annual Fee Waived For The First Year

Annual Fee Waived For First Year

Via One Mile At A Time and Rom’s Deals, it looks like there is an offer for the Fairmont Visa with the $95 annual fee waived for the first year!

Link To Card

If you remember, I just got this card 2 weeks ago in my most recent round of credit card applications.

Unfortunately, the version I signed up for did not have the $95 annual fee waived so I will probably email Chase a screen shot of the new offer and try to get matched.

The Fairmont Card is like the Hyatt Card in that they give you 2 free nights for signing up.

These types of “free night” sign up bonuses are far more valuable than “hotel point” sign up bonuses because there is no cap on where you can use the free nights.

This means you can use the free night certificates at the most expensive and luxurious properties!

A full list of Fairmont properties can be found here.

As I stated in my earlier post, these free nights are great if you want to go skiing at Whistler or anywhere else in Canada this Winter (or Summer for that matter after seeing the Fairmont Lake Louise below).

If you prefer a more tropical location, there are 2 Fairmont properties in Hawaii (Fairmont Kea Lani, Maui is below) and 6 Fairmont properties in Mexico.

Sign Up Now If You Are Interested

If you are thinking about getting this Card now that the annual fee has been waived for the first year, then please GET ON IT NOW!

Given that this offer isn’t showing up on Chase.com or Fairmont.com, there is a strong possibility that someone found it by accident or by snooping.

Typically these types of accidental offers aren’t meant for the general public, so they get pulled by Chase fairly quickly once they hit the blogosphere (and yes, I understand the irony in that statement).

I got a bunch of emails from Readers saying that after reading my post on the Chase Sapphire Preferred MasterCard, they were planning on signing up for it but waited and within 2 days, the link was dead!

Therefore, if you want this Card without the $95 first year annual fee, get it while you can because you never known how long these deals will last for!

Recap

The Fairmont Card in my opinion is as great as the Hyatt Card!

Although it depends on which properties you stay at, the 2 free nights that come with this Card can easily be worth $1,500+.

As usual, if you and your travel partner (spouse, significant other, friend, etc), both sign up for this Card, then that is basically 4 free nights at any Fairmont property!

Not bad for 10 minutes of work!

-Parag

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