Many major banks and card issuers have dedicated phone numbers for consumers who have inquiries on why they were denied a new card. There's no guarantee that calling a credit card reconsideration line will work, but it's always worth a try if you believe you are eligible for a card that you really want.

When should you call a reconsideration line?

You can also call the reconsideration line while your application is pending to help speed up the approval process. It's best to call within 30 days of denial, or you may have to submit a brand new application. Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127.

What do you say at a reconsideration line?

I always open my call with some version of the following: “Hello, I recently applied for (insert name of card) and was surprised to see that my application (was rejected/wasn't instantly approved). I was hoping I could talk to someone to better understand this decision and possibly get it reconsidered.”