Actually, the letter worked for Frugal Travel Guy's son-in-law, who was applying for a particular card and denied due to a "lack of credit" and whatever hoodoo the issuer uses to determine credit ...

Credit card reconsideration can help you negotiate approval for the credit card you want, ... By law, you’ll receive a letter in the mail within 60 days with the reasons why you were denied.

How credit card reconsideration works. While credit card issuers still employ human underwriters, most application decisions are made automatically by a computerized system that can make mistakes.

If your credit card application is denied, ... Declined For a Credit Card? Call the Reconsideration Line. ... while others make you wait up to 10 days for a letter to arrive in the mail.

For several years now, my credit score has been my pride and joy. It temporarily even sat at the oft-chased mark of perfection: 850. While my credit score is no longer perfect following a new card ...

That letter was uploaded to my Chase account documents online just a couple days after I applied. ... I'm here to say that calling a credit card issuer's reconsideration line can be the solution.