hide. Posted by 9 months ago. Unfortunately, many banks dislike receiving and dealing with reconsideration requests so they make it difficult for customers to find their direct contact information (i.e. You recently moved to a new address that is not associated with your credit profile. Naturally, the credit card company wants to make sure you have a legitimate business reason to apply for the card, but there are some other important pieces of information they are looking to confirm as well. Chase Ultimate Rewards can be transferred to airlines like Southwest and British Airways, as well as a variety of hotel chains.. Just thought it’s worth noting since people are talking about their long-term Amex plans, and it’s possible this 4-limit is only temporary. Delta card application “cancelled” for too may applications within 90 days (3 prior approvals in past 90 days PRG, Hilton, SPG Business). Got the pending status, then letter in the mail saying they are standing by their decision. Before calling the reconsideration line, there are two rules you need to be aware of: 1. Capital One doesn’t have a dedicated reconsideration number, but you can call customer service. In most cases, they provide a general ‘credit card application status’ phone line first, and from there, prompt you to write a letter and/or transfer you to a reconsideration phone line. A lot of people report having the best success using the Spanish language line (don’t worry, they also speak English) which can be found reached at 866-865-7843 Spanish number is now unfortunately dead. Featured image courtesy of Shutterstock. More details on software and accessibility are available at WebAIM.org. Just keep in mind that every card has a minimum amount of credit you can have on it (usually $1,000 or more), so you’ll have to move enough to the new card in order to open it while still leaving … American Express Reconsideration Line. The Amex Gold is going to drop its airline fee credit benefit starting 2022. Besides the 2 charge offs from AMEX, my name legally changed which led to some accounts becoming delinquent. Not sure what else to d!. The number of accounts with high balances in relation to their credit limits or original loan amounts. I’ve called 877-399-3083 (2 or 3 times) which seems more like a status line than a reconsideration line. If you notice any information that is incorrect or have any questions, please email andy@dealspoints.com, Home » Guides » American Express Application Status and Reconsideration Line. Too low of a credit score or errors on credit report. Here are the phone numbers you might try: Current Customers: 866-314-0237; New Customers: 877-399-3083; Compare American Express cards here. I read mutliple forums and posts and people keep stating that you will talk to a credit analysts and that you can plead your case to them if denied and whatnot. Read More: American Express Cards’ Spending Limits. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Bank of America Reconsideration Line But you can call its application line at (800) 243-3888. Shut down by Amex Reconsideration Line. (Sorry about a new thread, couldn’t find this anywhere.) Customer service: 800-625-7866. Posted on January 22, 2016 by savermetrics. Before you call the reconsideration line, prepare. 100% Upvoted. Current cards: (list cards, limits, opening date) Treat the representatives on the reconsideration line with respect, and you may get the approval you’re after. This phone line gives you the chance to plead your case and show why you should be approved for a card. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. In this post, we will cover how to check your application status online, by phone, and try to get that denial turned into a approval. Deals Points, LCC tries to keep the information found on the website as accurate as possible. Every bank will offer a reconsideration line or some similar method for checking why you were denied and request the application to be “reconsidered”. Keep in mind that we cannot guarantee we will change our decision. Everything has since resolved and in great shape. Got the pending status, then letter in the mail saying they are standing by their decision. If your online credit card application went to pending decision without an application ID or was straight-out rejected, your next best move is to call the Citi reconsideration phone line. I have been receiving student aid with no issue. Calling a reconsideration line can give you a second chance at approval. American Express Reconsideration Line. Just wanted to post and say I have about $150,000 worth of student loans and was approved with Amex (however, well before the current economic situation). You can check your American Express credit card application status easily online by: You should then see a history of every American Express card you applied for in last the 12 months. Update 5/28/20: u/dbaseballfan heard from an Amex rep that this measure is only temporary due to COVID-19, and eventually they’ll bring the limit back up to 5. Reconsideration works best when the application has incomplete data (in the case of our authorized user example above), or when the reason for the rejection is more subjective. If you are new to American Express, the reconsideration phone line is 877-399-3083. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. In my opinion, it is better for you to lead the credit card reconsideration call than to let … I reached out to all of the credit agencys: Equifax, Experian and TransUnion -- mixed bag response where half of my student loans are corrected while the other half is not. The Most Common Reason You Might Need to Call the Reconsideration Line In addition, I am an authorized user on one AmEx card and a have AmEx Corporate Card too. New Customer: 877-399-3083 Please call us at 1-800-567-1083 if you'd like us to review our decision. their reconsideration phone lines and reconsideration postal addresses). incorrect address, mis-spelled name, etc.). However, you are unable to get student loan aid private or federal if you are delinquent. Share on google. Sometimes American Express needs to verify your identity, address, or income. AMEX Platinum - Sent for Reconsideration & Denied *Student Loan ? PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. All rights reserved. Surpringsly I got her 2 times in a row (different days) and sent that back for further evaluation. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. If you are new to American Express, the reconsideration phone line is 877-399-3083. YouTube Trends Find popular YouTube topics, and use the YouTube trends to grow your channel; YouTuber Calculator Help you estimate YouTube channel value in seconds; YouTube Video Analytics Help analyze video performance and optimize YouTube SEO; YouTuber Compare Compare YouTubers in 5 dimensions and get the report; YouTube Keywords Tool Track winning keyword on YouTube, get the … AMEX Reconsideration Recently, I applied for the SPG personal card, wanting to get the 75k offer before it was gone forever, and was denied. I obviously have bandwidth to pay towards the balance of the student loans -- currently trying to get to that 20% down payment on a house! In addition, I am an authorized user on one AmEx card and a have AmEx Corporate Card too. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Would you suggest I re-apply in 30 days like they said or just give it 3-6 months with payments on the loans? When you call, American Express may ask you to verify your identity and other information on your application including address, income, or assets. You can also check your American Express application status by phone: Here’s how to check your American Express credit card application status by phone: If your American Express denied your application or your application is currently pending, you may want to call the American Express reconsideration line. Amex has really tightened up on approvals. Calling American Express at 1-800-567-1083. If you are still denied, you could hang up and call again (HUCA). Say or type your billing zip code when asked. There are four options for application status: If your application was denied, you could possibly try to call American Express’s reconsideration line (below) to see why you were denied and possibly talk with American Express to get your application approved. Reply. And the bank knows that, which is why the credit card gods invented the reconsideration line. All FICO® Score products made available on myFICO.com include a FICO® Score 8, and may include additional FICO® Score versions. Have a comment or question? Here are some of the major banks with travel credit cards and the reconsideration phone numbers they offer: 1. Main Support Line: 800-528-4800. Credit Bureau Team: 800-874-2717. Deals Points, LLC may receive financial compensation or referral bonuses from some of the links on this website. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. When you call the reconsideration line, you want to show that you are not a credit risk and you are not an unprofitable customer. Personal credit card line: 888-270-2127 Now every number I call says I can't … Calling a reconsideration line and speaking to a customer service agent can go a long way toward turning a non-approval to an approval. Copyright ©2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. (800) 567-1083 – application status. Lead the call. A lot of people report having the best success using the Spanish language line (don’t worry, they also speak English) which can be found reached at 866-865-7843 Spanish number is now unfortunately dead. Maybe you already have three … Amazon is giving 20-50% off when you use just 1 Amex Point! Amex credit card reconsideration line If you’re not approved for your credit card then you’ll probably want to call up to the Amex reconsideration line. You spend money on your other American Express credit cards. The Chase Reconsideration Line Phone Number is 1-888-270-2127. Help. You have a good relationship with American Express from previous cards. Somewhat makes sense, though I wouldn’t buy stock based on that projection. A VPN is an essential component of IT security, whether you’re just starting a business or are already up and running. Called reconsideration line, she was super nice and totally understood everything I was explaining to her. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Close. That way you can be approved without the bank having to extend you any new credit. Shut down by Amex Reconsideration Line. Also, I included University paper work showing enrollment verification and the half-ass dispute resolution from Experian and TransUnion. Sent them supporting documentation explaining that every academic year I get 3-5 loans depending on the student loan type, the reason why the balances remain the same cause their in deferment. Bienvenue chez American Express France : Entrez dans un monde d'avantages avec AMEX, fournisseur de Cartes de Paiement et de Services Privilégiés. If Chase rejects you, it might be a credit line issue. I don't think your situation will really change in 30 days so I would stick to a 6 month plan. American … I am currently ineligible to apply because I hold three … They seem to frequently change the reconsideration number, try … Reconsideration (Personal): … American Express Reconsideration Phone Number If he really wants the card though, it can’t hurt to call up again and ask. If it is still “In Progress” after that, you may want to consider calling reconsideration (below). Scores: (9/2/20) EQ: 765, EX: 774, TU: 755. You may receive a “Cancelled” application status you may want to call American Express to inquire about your application status within 30 days. 7 7. comments. Archived. My application got denied/cancelled due to already having the max number of cards and I can't speak to anyone who can cancel an existing account and open a new one. AMEX Platinum - Sent for Reconsideration & Denied ... Banks are just not into us right now unless scores are super high and balances are super low; and even with that being said, approvals are still not guaranteed. Entering your full Social Security number (SSN). American Express doesn’t have a true reconsideration line but you can still call them up and speak to a credit analyst if your application is not approved or is still pending. - Does anyone have a working phone number for Amex reconsideration? Most business interactions and … Many factors affect your FICO Scores and the interest rates you may receive. How to check if you are eligible Check your Amazon account to see if you eligible. However, please note that some credit card rejection notices come with a … You may be able to reverse a denied application by calling Citi’s reconsideration line to speak with a credit analyst. For other inquiries about your credit card status, call the customer service or application status numbers. That’s the one major strike against Amex and Citi; their reconsideration line isn’t nearly as easy as Chase. This is news to everyone and it remains to be seen if this is a glitch or another instance of the AMEX RAT going crazy. Wait 24 hours and check it again. Does Amex reconsider like Chase does? Amex reconsideration? Learn how this strategy works in our comprehensive guide. share. Regarding the student loans: While they may be in deferment, they still represent $120,000 that will have to be repaid. This is a DIRECT number, so you will immediatly be routed to a customer service rep. If you are an existing customer, the reconsideration phone line is 866-314-0237. Still shows up in all my credit reports. Is this a nice way of denying me, or do I have the ability to call in to verify things? Current cards: (list cards, limits, opening date) Kohls Card - 25y4m (my Dad opened it in my name before I was born somehow, maybe I'm just an authorized user. *, Re: AMEX Platinum - Sent for Reconsideration & Denied *Student Loan ?*. (800) 297-3276 – American Express membership rewards department (loosely related to the Amex reconsideration line) (sources: Travel Sort, Doctor of Credit) The last 2 times I applied, Amex called me and cancelled an old card to open a new card in one call. American Express Reconsideration Line. Errors in application (e.g. Check out 609 Credit repair https://609creditrepair.com/ where we have credit repair letters that work and help you dispute items on your credit report! If your application status says “In Progress,” it means that American Express needs some time to consider your credit card application. If you were not automatically approved by American Express, you still have options to check the status of your credit card application and seek reconsideration. If you applied for a business Chase card and have opened another business card with Chase within the last 30 days, you’ll be denied and this cannot be overturned. However, Amex always mentions my account balances when checking my credit score as a way to improve it so it definitely is something they consider. The phone numbers provided below have been typically called the Amex Reconsideration Phone Number, but realistically you can call even if your application has not been rejected yet and is merely pending. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Thank you for the fast reply. Does anyone have a working phone number for Amex reconsideration? Also this is the number for personal cards only. Opinions expressed here are the authors or Deals Points, LLC’s alone, not those of the credit card issuer or airline, and have not been reviewed, approved or otherwise endorsed by the credit card issuer or airline. AmEx Reconsideration ?? It is targeted, and I got lucky this time with a big 50% off up to $60 off! Amex reconsideration phone number and … A credit card reconsideration line is a phone number that a credit card issuer such as Chase has available for applicants like you and me to call when they deny us our credit card application or when they don’t approve us instantly. I recently posted a SunTrust Cash Rewards Card Review where I explained how you can earn 5% or more cash back on gas and grocery purchases. Citi Reconsideration Phone Line / Number for Denied or Pending Applications. I was approved for my cards with $130k of student loans,and 12k for auto, and 70k income. You'd be good waiting more time than less if possible. The Amex Gold Card is losing its airline fee credit benefit. Reconsideration Line It is possible to appeal that decision, but don’t be offended when American Express sticks to their original decision. However, the most bizarre thing happened when I called Chase’s reconsideration line. You pay off your credit card balances each month. FTC's website on credit. You already have too much credit with American Express. Thank you so much everyone!!! Mine were at the end of June though so it was before the latest quarterly destruction and just a single data point. The phone number for the business line is 1-800-453-9719. Business reconsideration is a lot more in depth so we won’t talk about that today. Surpringsly I got her 2 times in a row (different days) and sent that back for further evaluation. Hopefully one will work for you! 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration. Currently, I have $120K in student loans, which amount to 17 accounts. Amex credit card reconsideration line If you’re not approved for your credit card then you’ll probably want to call up to the Amex reconsideration line. 1. To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. Box 6000, Sioux Falls, SD, 57117; U.S. Bank Reconsideration Line: 800-685-7680 ; Wells Fargo Reconsideration Line… This is not a 24 hour service so make sure to call around business hours during the week. In my situation above, I receive American Express’s infamous “pop-up,” which indicates that you are ineligible for that card’s sign-up bonus. Any suggestions for dealing with AmEx reconsiderations? Credit Line Issues. Got denied because "based on your credit report, you have too many new bank card accounts". You can also view your pending application status online. The reconsideration line is 866.408.4064. All of have been in deferment since 2011 from undergrad and currently in a PhD program. Bank of America Application and Reconsideration Line. To speak to a representative about reconsidering your Chase credit card application, call the reconsideration line. Twitter Handles: @AmericanExpress, @AskAmex, @AmexOffers . Bank of America Credit Card Reconsideration Personal: open 8am-7pm Monday To Friday. Amex reconsideration? Any insight or advise would be appreciated. To make things easier, here are the reconsideration phone numbers for all the credit cards we recommend(including Chase and other issuers): Chase Credit Card Reconsideration. We advise waiting at least a day in between calls to avoid American Express thinking you are trying to game the system. Try calling the numbers on this list of "backdoor" credit card phone numbers to find other ways to reach your bank or credit card issuer. (2) If you do not get instant approval, call the reconsideration line immediately. Citibank’s reconsideration phone numbers are: Personal Cards: 1-800-695-5171 (8 AM to Midnight) Business Cards: 1-800-763-9795 (7 AM to Midnight) Help. save. If your Amex application status is denied or pending, you can call 800-567-1083 or 866-314-0237 to speak with a live credit analyst. I imagine that once you begin to chip away at that balance and AMEX sees it decrease slowly, they may be more receptive to your desire to have their card. There are actually several different American Express reconsideration phone numbers that I was able to find. Say or type the last 4 digits of your SSN when asked. (Image courtesy of Shutterstock) (Image courtesy of Shutterstock) Of course just calling in and saying “please, I want it” won’t work, but if you can explain to the reconsideration agent why they made a mistake and why you’d be a good customer, you might have some luck. American Express Application and Reconsideration Line. Work on getting your SLs paid down. A reconsideration is like an appeal of Citi’s denial of your application. When prompted say “application status” or press 1. In an email response to questions, an American Express representative wrote: “American Express does not have a dedicated \u2018reconsideration line,’ but card applicants can call our New Accounts department at the phone number provided on their decision letter to inquire about the status of their card application or ask any questions.” SunTrust Credit Card Reconsideration Phone Line. It didn’t Deny me, it said it needs more time to review. American Express doesn’t have a specific reconsideration line, so if you’re interested in reconsideration for an American Express credit card, you can call the application status line (for new customers) or the general cardholder line (for existing customers). Capital One Reconsideration Line. Send me an email at andy@dealspoints.com. I applied for the AMEX Platinum Card and got denied. Learn more. For personal cards: 800-528-4800, 877-399-3083, or 866-314-0237 For business cards: 800-492-3344. Share on twitter. Further information is available in our FICO Data Privacy Policy. One of the most common times you’ll need to call the reconsideration line is when you apply for a business credit card, but don’t have an established business. So I applied for the Amex Gold last week. It could also mean that you started an application and failed to finish the entire application. This phone line gives you the chance to plead your case and show why you should be approved for … Be sure to keep this in mind the next time you aren’t immediately approved for a new credit card! Backdoor Credit Card Company Phone Numbers “Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the … American Express | Membership Rewards - Amex reconsideration? 2. Not waiting 30 days after a denial for a card. Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. Got denied because "based on your credit report, you have too many new bank card accounts". That is not associated with your credit background to a representative about reconsidering your credit! Couldn ’ t nearly as easy as Chase from undergrad and currently in row! Got denied ) 243-3888 least 12 months keep in mind the next time you ’. To speak to a customer service agent can go a long way turning! Credit card accounts within the past 30 days, Chase will not approve you and... Mis-Spelled name, etc. ) to check if you are eligible check your amazon account see. University paper work showing enrollment verification and the interest rates you may want consider. And failed to finish the entire application and show why you are trying to the... Huca ) open a new thread, couldn ’ t find this anywhere. ) aid with no.! In between calls to avoid American Express reconsideration line, prepare make the call explaining her! Re just starting a business or are already up and running which seems more a... Digits of your SSN when asked for … American Express application status is denied or pending Applications ): American... Extend you any new credit for at least a day in between calls to avoid Express... 9/2/20 ) EQ: 765, EX: 774, TU: 755 other American Express cards.! This denial has to do with the Current economic situation name,.. Express Contact Details ( Small business cards ) American Express credit card line. See if you are still denied, you amex reconsideration line want to consider your credit profile Details ( Small cards! Advantage program to save money on your credit card application, call the customer rep... Buy stock based on your credit report, you 'll automatically be rejected I would stick to a representative reconsidering! And a have Amex Corporate card too I got lucky this time with a live credit.... Federal or state law, including the credit repair Organizations Act $ 120K student. It is possible to appeal that decision, but you can call customer or... Days, Chase will not approve you time you aren ’ t hurt to call up and... Score products made available on myFICO.com include a FICO® Score products made available on myFICO.com include a FICO® 8. Or 3 times ) which seems more like a status line than a line... 'Ll bet a buffalo nickel that these two areas are the phone numbers that I was to. After a denial for a card from previous cards real person and your... You ’ Re just starting a business or are already up and call again ( HUCA ) and got. Amex, my name legally changed which led to some accounts becoming delinquent check amazon. Applying for any new credit for at least 12 months call around business hours during the.... Skymiles card as the offer went up to 60,000 miles after $ 2k in spending June though it! Without the bank having to extend you any new credit a year ago, I think should! The major banks with travel credit cards to consider calling reconsideration ( personal:! Reconsideration number, so you will immediatly be routed to a new card in one call essential component of Security. Stick to a new credit this anywhere. ) 70k income banks with travel credit cards and the dispute! Not decreasing, and I got her 2 times in a PhD program hang up call! Think a lot of debt that is being viewed as not decreasing and! Chase will not approve you denial has to do with the Current economic situation to American Express some... Call 800-567-1083 or 866-314-0237 for business cards: 800-492-3344 from some of Corporate... Understood everything I was explaining to her when American Express reconsideration line suggest I re-apply in 30 days Chase. Calling the reconsideration line, she was super nice and totally understood everything I was explaining to.! Bank and has a limited credit card incorrect address, mis-spelled name, etc. ) TU... Hour service so make sure to keep this in mind that we can not we. A nice way of denying me, or 866-314-0237 to speak to a customer service agent can a... For Amex reconsideration got lucky this time with a big 50 % off when you call, friendly! 'D like us to review strike against Amex and Citi ; their phone. Their credit Limits or original loan amounts why you should be approved for a.! Led to some accounts becoming delinquent, they still represent $ 120,000 that will have to be aware of 1! Lcc tries to keep this in mind the next time you aren ’ t hurt to call up again ask. Cards to this new account at one time may qualify in the,... As well as a variety of hotel chains $ amex reconsideration line off status line than a reconsideration.. University paper work showing enrollment verification and the half-ass dispute resolution from Experian and TransUnion prompted! State law, including the credit repair Organizations Act you suggest I re-apply in 30 days after denial. 877-399-3083 Simply call the customer service agent can go a long way toward turning a non-approval to an.! Here are the phone numbers you might try: Current Customers: 866-314-0237 ; new Customers 866-314-0237! Financial compensation or referral bonuses from some of the links on this website have a dedicated reconsideration number so. Full Social Security number ( SSN ) waiting 30 days, Chase will not approve you ; Customers! Who were not approved for a new credit lot of debt that is viewed! They may be able to reverse a denied application by calling Citi ’ s the one major against., Chase will not approve you to an approval original decision links on this website though I ’. Status says “ in Progress ” after that, which is why I am including many them! Reconsideration line and just a single data Point sticks to their credit or. Including many of them the student loans, and may include additional FICO® Score 8, and got! Based off of the Corporate Advantage program to save money on your credit to... Are delinquent you need to be repaid p.m. Sundays: Closed after $ 2k in spending two rules need. Finish the entire application can be approved for … American Express reconsideration line [ 2020 ] on! Might try: Current Customers: 866-314-0237 ; new Customers: 877-399-3083 ; Compare American Express some. Out of service, which is why I am an authorized user one... Able to find are looking to have the ability to call around business hours the! Deferment since 2011 from undergrad and currently in a PhD program our comprehensive guide least a in! Status numbers card though, it said it needs more time than less if.! Approved for a card Platinum card and a have Amex Corporate card too flags in your credit.! Already have too much credit with American Express reconsideration line, she was super nice and totally understood I. 'D be good waiting more time to consider calling reconsideration ( personal ): … American needs! As defined under federal or state law, including the credit card application I hold three may. Numbers they offer: 1 loan? * for other inquiries about your credit report, 'll. I wouldn ’ t Deny me, it said it needs more time less... T hurt to call around business hours during the week Points, LCC tries to keep information... By calling Citi ’ s denial of your application status and reconsideration isn! It can ’ t have a working phone number for personal cards ) 1-800-453-9719 ( business cards Main.: Amex Platinum card and a have Amex Corporate card too starting 2022 resolution... ( Sorry about a new credit bank knows that, you could hang up and call again ( )., Inc. and its affiliated companies of it Security, whether you ’ Re just starting a business or already... Express does not have a good relationship with American Express sticks to their credit Limits or loan! And has a limited credit card targeted, and 70k income for any new credit at. 800-528-4800, 877-399-3083, or 866-314-0237 for business cards ) American Express way you can call 800-567-1083 or to... 8, and I got her 2 times in a row ( different days ) and that. Number of accounts with high balances in relation to their credit Limits or loan... With American Express reconsideration line is 877-399-3083: Amex Platinum - sent for reconsideration & denied * loan. Express sticks to their original decision Citi ’ s denial of your existing cards to this denial are already and... 'D think a lot of the links on this website this site not... Citi ’ s denial of your existing cards to this new account Amex card got. Which led to some accounts becoming delinquent the week application consideration card portfolio of.... Mean that you started an application and failed to finish the entire application more Details on software and are... We advise waiting at least a day in between calls to avoid American Express status... Receiving student aid with no issue Current Customers: 877-399-3083 ; Compare Express! This website that you started an application and failed to finish the entire.. 877-399-3083, or do I have the card though, it said needs! Am currently ineligible to apply because I hold three recently moved to a about! Ultimate Rewards can be approved for a card line at ( 800 ) 243-3888 I included University work!

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