Podcast #59 Points and Miles Playbook – Dealing with Credit Card Application Hurdles and Denials


Feeling a bit baffled by the twists and turns of credit card applications and rewards? You’re definitely not alone in this journey! With a myriad of cards, rules, and unexpected hurdles, the path to becoming a savvy award traveler can seem daunting. But fear not, we’re here to guide you through the maze with ease!

In today’s episode, we look into the common challenges and mysteries that many of us face in the points and miles world. We’re breaking down the complexities of pending applications, credit card denials, and the strategies for turning these seemingly setbacks into exciting opportunities. Whether it’s understanding the nuances of a pending application, tackling a denial head-on, or making the most of a reconsideration call, we’ve got the inside scoop for you.

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Our conversation is filled with practical advice and real-life stories to help you navigate the sometimes confusing world of points and miles. If you aim to make 2024 a year filled with rewarding travel and smart choices, this is a conversation you can’t miss!

So, what are you waiting for? Hit play and join us in this impactful episode. Start turning your travel challenges into triumphs. And remember to check out our free masterclass below, where we share even more tips and tricks to make 2024 a year of incredible, nearly free travel adventures. Here’s to unlocking more of the world in 2024!

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Episode Minute By Minute:

  • 00:00 Introduction to Credit Card Denials and Pending Applications

  • 00:48 Understanding the Stress of Credit Card Denials

  • 01:14 Dealing with Pending Applications

  • 01:20 The Reality of Pending Applications

  • 02:42 Options When Your Application Goes Pending

  • 05:33 Personal Experiences with Pending Applications

  • 08:09 Providing Additional Information for Verification

  • 13:06 Dealing with Denials and Reconsideration Calls

  • 20:05 Sharing Personal Experiences with Denials

  • 30:15 Understanding Retention Offers

  • 38:50 Final Thoughts On Dealing with Pending Applications and Credit Card Denials

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  1. Parker DePriest says:

    I listen to every episode, thanks so much for all the help you give! I was recently denied for a business Southwest card. Before receiving my denial letter, the automated line said 2 weeks. After receiving the letter, the automated line says 7-10 days. Does Chase ever change their mind and approve a card after a denial? Or is the 7-10 day message on the automated line a fluke? Trying to decide if I should call the reconsideration line or wait and see if I will be approved.

  2. Pam says:

    Honestly, there is nothing set in stone. At this point, I’d call reconsideration.

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