Credit Card Reconsideration: How to Write a Persuasive Letter

Last Updated: January 10, 2023

A reconsideration letter for a credit card is a letter that you can write to the credit card company to ask them to reconsider their decision to deny you a credit card or close your existing credit card account. 

The letter should be written in a professional and polite manner, and should include your personal information, such as your name and account number, as well as the reasons why you believe the credit card company should reconsider their decision. Here’s an example of a template for a reconsideration letter for a credit card:

sample reconsideration letter for credit card

[Your Name]
[Your Address]
[City, State ZIP Code]
[Email Address]
[Phone Number]


[Credit Card Company Name]
[City, State ZIP Code]

Dear [Name of credit card company representative],

I am writing to request a reconsideration of the decision to deny me a credit card or close my existing credit card account. My account number is [insert your account number].

I understand that the credit card company based its decision on [insert reason for denial or account closure, e.g. “my credit score” or “my recent late payments”]. However, I would like to provide additional information and explain the circumstances that led to the issues in question.

[Insert additional information and explanation here. For example, if your credit score was the reason for denial, you can explain any recent financial challenges you faced, such as job loss or medical expenses, and how you have taken steps to improve your credit, such as paying off debts or seeking credit counseling.]

I am committed to improving my financial standing and I believe that having a credit card with [credit card company name] would be an important step in achieving that goal. I would be grateful if you would reconsider your decision and grant me the opportunity to show that I am a responsible and reliable customer.

Thank you for your time and consideration.


[Your Name]

Please note that this is just a sample and may not be tailored to your specific situation, so consider to add or remove some sentences in order to better reflect your case.

You should also include any relevant documents that would support your case, like pay stubs, letter of employment or income tax returns

Also, it’s important to remember that there is no guarantee that the credit card company will reconsider their decision, but writing a professional and persuasive letter can increase your chances.

Here are some questions that people often ask about credit card reconsideration:

How long does a credit card reconsideration take?

The time it takes for a credit card reconsideration to be processed can vary depending on the issuer and the specific circumstances of your application. In general, it can take anywhere from a few days to a couple of weeks for the issuer to review your application and make a decision.

When you submit a reconsideration request, the issuer will typically review your credit report and any other information you provided. They may also take into account any changes in your financial situation since you applied for the card originally. 

If the issuer decides to approve your application, you should receive your card in the mail within a few weeks. However, if the issuer decides to deny your application, you will typically receive a letter explaining the reasons for the denial.

It’s important to note that credit card reconsideration is not a guarantee of approval, and an issuer may still deny your application even if you request a reconsideration. If your application is denied after reconsideration, you should review the reasons for the denial and try to address any issues that may have contributed to the decision.

It’s also worth noting that most of the issuer now have webform for reconsideration instead of calling the bank , you can submit application status check request by this way and wait for the feedback from the bank.

When should you call a credit card reconsideration line?

You should call a credit card reconsideration line if your application for a credit card has been denied. The reconsideration line is a customer service number provided by the credit card issuer that you can call to speak with a representative about your application. 

They may be able to provide information on why your application was denied and what you can do to increase your chances of being approved in the future. Additionally, if you’ve been denied for a credit limit increase you can ask for reconsideration for that as well.

what to say for credit card reconsideration?

When calling a credit card reconsideration line, it’s important to be prepared and to present a clear and persuasive argument for why you believe your application should be approved. Here are a few things you can mention when speaking with a representative:

  • Provide additional information about your income and employment, if requested. This may include pay stubs or a letter from your employer.
  • Explain any unusual or extenuating circumstances that may have affected your credit score or financial situation. For example, if you recently experienced a medical emergency or lost your job, this may have temporarily impacted your ability to pay your bills.
  • Explain why you need the credit card and how you plan to use it responsibly. For example, if you need the card to build your credit, be sure to mention that you plan to pay off your balance in full each month.
  • Mention if you have other credit accounts and how you have been using them responsibly.
  • If you have any recent positive change such as increase in income, paying off debts, etc, mention that as well, it will be good for them to know you’re on the right track.
  • Be polite, courteous and professional throughout the call.

Keep in mind that the credit card issuer may still deny your application even after reconsideration, but it’s worth a try if you feel you’ve been wrongly denied.

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