You had it all planned out. The trip to Europe in the spring. Which friends you’d ask to go with you. How you’d ask your boss for the time off work. And which credit card would help get you there. So you apply for the card… and get a “pending” or “denied” message. And you start to cry. Because your dreams are crushed.
No wait, don’t get too upset yet! Maybe get on the Googles and search “What to do when I get denied for a credit card” and end up here. And from here, you start to get that little glimmer of hope back.
Let me first start off by saying that I have gotten that “denied” and “pending” message before. And it’s no fun, because what would be really nice to see on the screen is “approved”. BUT all is not lost, even if you are denied. 3/4 times I’ve gotten that message, I’ve been able to call the reconsideration hotline (it’s a real thing folks) and talk them into giving me the card.
And by talk them into it, I literally mean talk them into it. Sometimes it takes a couple different calls and different reps. But if there is a great reason to get that credit card and it will be used – stick to your story.…