✈ Turning a Card Denial Into an Approval, Hurricane Beryl Flight Cancellations & More Daily News From TPG ✈

Also: When (and when not) to tip the hotel staff July 8, 2024 [THE POINTS GUY]( [View in browser]( [TPG Daily NEWSLETTER]( [THE POINTS GUY]( Getting your card denial reconsidered by Summer Hull, Director of Content [TPG | Hero Image] When it comes to getting your next rewards credit card, sometimes "no" just means "not yet." As you likely imagine, when you apply for a new credit card, it’s a computerized system that makes the initial decision to approve or deny you for the card based on credit score, total number of open accounts, your total available credit and a host of other factors. But most credit card issuers still have human underwriters available in a [reconsideration department]( that can take a second look at the initial application denial the computer may have provided ... if you call in and ask. While some denials won’t be overturned, some can be. For example, the computer may have mistakenly thought you already had the card you applied for because you were an authorized user. Or they may be willing to give you that new credit account if you reduce your available credit on another card issued by that bank so they aren’t extending a larger credit line to you than they feel comfortable with. Typically you only have 30 days to make this call, and it helps to have received the reason you were denied in the mail so you can address that concern head-on when you call. Here’s what you need to know about improving the odds you get approved: - [Your guide to calling a credit card reconsideration line]( - [How to maximize the odds you get approved for your next card]( - [How to find the best prequalified credit card offers]( - [Guide to credit card application restrictions]( So, if you recently applied for a card and the first answer was no, it might not be too late to make a call and see if you can flip it to yes. Posts in this newsletter contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products, and this may impact how or where they appear. For an explanation of our Advertising Policy, [visit this page](. Photo Credit: XAVIER LORENZO/GETTY IMAGES. Today’s top stories [More than 1,300 flights canceled Monday as Hurricane Beryl makes landfall in Texas]( Airlines have canceled more than 1,300 flights in the U.S. for Monday as Hurricane Beryl makes landfall in Texas. [Read more]( [When travelers should (and shouldn't) tip the hotel staff]( A pile of pennies may be seen as a snub, but what else should travelers keep in mind when tipping the hotel staff? [Read more]( [Which travel credits are the easiest to redeem?]( Many credit cards offer annual statement credits to offset their annual fees, but they aren't all created equally. [Read more]( [11 cruise ship excursions to avoid]( Don’t blow your chance at an amazing vacation day by choosing the wrong shore excursion. [Read more]( [Slope-side convenience and great Globalist perks: A review of the Grand Hyatt Vail]( Here is a review of this property that's ideal for Globalist members. [Read more]( The latest 1. [Top tips from a flight attendant to avoid the worst of summer’s travel headaches]( 2. [Summer hotel discounts are there — if you know where to look]( 3. [The best time to cruise the Mediterranean]( 4. [How and why to register for Choice Hotels Personalized Weeknight Benefits]( 5. [Amex EveryDay card review: Dip your toes into the world of Membership Rewards]( 6. [Bahamas cruise guide: Best itineraries, planning tips and things to do]( 7. [2 nights in the heart of the action: A review of the W Philadelphia]( 8. [21 new Hyatt hotels where you can get 500 extra points per night]( 9. [7 non-travel Amex Platinum benefits you should be using]( 10. [Frontier Airlines cuts 8 routes in latest network shakeup]( [fb]( [insta]( [yt]( [tw]( [in]( [mail](mailto:hello@thepointsguy.com) You are receiving this email because you opted in at [thepointsguy.com](. Where to find us: The Points Guy 100 5th Ave., 16th Floor New York, NY 10011 USA USA If this newsletter was forwarded to you, you can subscribe [here](. Changed your mind? You can [update your preferences]( or [unsubscribe]( at any time. Advertiser Disclosure: The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our [advertising policy]( and [product review methodology]( for more information. Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. THE POINTS GUY © ALL RIGHTS RESERVED 2024