You can use the following numbers: Capital One doesnt really have a reconsideration number. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. We use intelligent software that helps us maintain the integrity of reviews. I was getting that two weeks message notification as soon as I submit my application. Thanks I appreciate the input. I would call reconsideration. , your application is at the mercy of robots. We really appreciate it! Find his full bio here. In general they will ask you a few basic questions (e.g Why did you miss a credit card payment back in 2008?) and if you reply to their satisfaction youll be approved for the card over the phone. (800) 288-4653 Business Application Status and Reconsideration Line How do I get my username and password if I dont have my debit card yet? Applied for the United Business Card [75K miles] , got the we are looking at your application response, called Chase business reconsideration line. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? Many or all of the products featured here are from our partners who compensate us. Hello new here first post. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Sell yourself as loyal and responsible. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. These cookies ensure basic functionalities and security features of the website, anonymously. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. Thats great to hear! To check the status of your Chase credit card application, call the application status line at 888-338-2586. Unless shaving $600 off your TCL would push you over a util threshold, closing the Cap1 secured shouldn't have an effect on your credit score. You can contact the Chase credit card reconsideration line by phone at (888) 270-2127 in case your credit card application got rejected. This site is protected by reCAPTCHA and the Google I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! I had the same experience. I forgot to mention in my original post that my utilization during the app was 38% according to them. You can check your status online if you are a current Chase customer. The Penalty God. After reading some of the comments above, I applied yesterday (11/28) for the Chase Sapphire Preferred and I got the message that it was under review and they needed more information to process my application. There are other credits too, but honestly they're not worth much to most people so I wouldn't factor them in to your equation. I know you can apply at a branch office - 3313820 Banks haven't cut out the human factor entirely, though. Told them willing to shift credit from cards etc. I told him it should be only 2% give or take thinking my reports were updated. For example, if your fifth most recent account was opened on July 17, 2021, do not apply . I got a call 30 minutes later asking why I want the card and where I work. Well I . This isn't always possible. They were not in the bk. Should I call now or wait longer? 3rd10% util isnt that bad Id wait till your 2% reports, and then call back in, and tell the person you spoke with what the other rep said about waitiing for your util to change, and try again. Your number to check the status is useless. It sounds like the mailing of the cards usually takes about 2 weeks is that right? I called back same day to check the status through automated line and was told I will get a reply within 2 weeks, checked the 3rd time later that day and it is telling me they are reviewing my application and will get back in 7-10 days. Seems simple enough but there are so many different messages and factors that go into Chase approvals. Necessary cookies are absolutely essential for the website to function properly. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. I suspect that this is a phishing attempt. As an Amazon Associate I earn from qualifying purchases. 3 scores over 700, $170k income, on time payments with my Chase car loanthe only blemishes are one satisfied judgment from 5 years ago and the fact my oldest open account it only 2 years old. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. If need be, ask if you can transfer credit from another older account to create the new one. good luck. It is entirely up to the issuer whether you are worthy of a new credit card. Help! Is that mean approval? Keep in mind that we cannot guarantee we will change our decision. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. Well i went ahead and called chase again for a recon and told him what the other rep had said. More details on software and accessibility are available at WebAIM.org. I applied for the CSR on 4/14 and was instant approved, 14K CL. Was feeling good about these, so applied on Saturday (10/24) for the CFF. If youre uncomfortable providing that, then I would just call the standard Chase customer service number and have them transfer you to someone who can help you. More details on software and accessibility are available at WebAIM.org. I hope you are able to get your application approved! More details on software and accessibility are available at WebAIM.org. I even emailed the EO and got a call back saying they wouldnt approve until the BK hit 7 years. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Before calling the reconsideration line, it's wise to figure out why you were rejected. So I uploaded the documents online and called back the next day. If you've established a solid repayment history, let them know. This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. So I would call in as soon as I got a rejection or the 7 to 10 day message. The phone number is 1 (800) 453-9719 and the hours of operation are usually: 7am to 10pm EST Monday through Friday 8am to 1pm EST Saturday 9am to 9pm EST on Sunday This post will cover everything you need to know about your Chase credit card application status and what to do if you arent immediately approved. Fast forward to 2015 when Katie discovered the world of points and miles. I will give them a try on monday. We also use third-party cookies that help us analyze and understand how you use this website. But if youre calling reconsideration for a business credit card like the Chase Ink Preferred or Chase Ink Unlimited then youll want to call in to the business reconsideration line. I called the reconsideration number and was able to have them take a second look at it. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Computer. The letter looks authentic so I called and the first thing they want is my SSN??? (888) 232-0780 General Card Services and Application Line My line was doubled as well and I tend to pay frequently too. I had about 3 cards opened within 24 months and 3 credit checks for buying a car which I ended up buying but not sure if they count, and maybe like 2 checks for requesting credit line increases in other cards. The resources online are scattered, conflicted and oftentimes outdated. Hi@Tnetsirk200and welcome to the forums. This is something you might do before you even apply for a Chase credit card in order to avoid reconsideration. If you've established a solid repayment history, let them know. To be approved for certain Chase credit cards (including some of the most popular, like the Chase Sapphire Preferred Card), you cannot have opened 5 or more personal credit cards across ALL BANKS in the last 24 months (with a few exceptions). Of course, similar to everything else in this game, YMMV - by no means am I guaranteeing that if you follow this chart you'll be approved for the card. At this point, you may want to go ahead and call into Chase reconsideration line at: 1 (800) 453-9719. Chase recon line today after being denied of a CLI. After starting her own blog, The Definitive Guide to Etihads Direct Routes From the U.S. [Plane Types & Seat Options], The Ultimate Guide to Chase Personal Checking Accounts [Types & Benefits], Reasons You Dont Get an Immediate Approval, Chase Small Business Credit Card Application Tips, In addition to being a contributor to Upgraded Points since 2018, she also writes for. What you do is lower your credit limit on a given Chase credit card or even on multiple Chase cards so that you free up some credit line for a new card. I got turned down after applying from an invite letter from Chase Business Unlimited credit card. Press J to jump to the feed. Enjoy all those points! (44) that you will benefit from being able to make your case in real time. We'll list a few of the major ones below. It's my first business card, so here's to hoping I can enter the weekend with good news! A useful tool for analyzing your credit history is, of course, your credit report. Its in the "backdoor thread" stickied on top of the CC forum. The business hours are 8am to 5pm EST, M-F. EST. The cookies is used to store the user consent for the cookies in the category "Necessary". Chase Credit Card Reconsideration 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration Capital One doesn't have a dedicated reconsideration line. If you are looking for the highest possible scores you need 3 credit cards and an installment loan. that is total BS. Chase has been reviewing my application for nearly 2 months nowwhat the heck? call them back. I never did get an inquiry alert. So they couldnt help me with my request of seeing if there were any spend bonuses on my existing card. i got this massage Called the recon number and he said the real reason was due to my utilization was boarderline to high. Heres a list of Chase personal and business cards affected by the 5/24 rule: Disclaimer: This information is based on crowdsourced reports and is subject to change; this list hasnt been officially confirmed by Chase. I would just call back again. Its free and will help you optimize your rewards and savings! If that does not work, you can call them to see if you can do a PC. Requesting a credit limit increase can hurt your score, but only in the short term. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. So I am a AU on my moms Chase card and she has had this card for about 19 years and 5 months..The limit is only $11,300. I waited a couple days and got approved. You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. Maybe you could add this to your flowchart 22 I called recon line they didnt deny or approve as per what he was saying but said they need further review and expect a reply in two weeks ? Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card. Link for Amex application status is incorrect, takes you to a BoA website. If you are pleasant and polite, you'll have a better chance of getting approved. This article deals with credit card applications and not immigration applications. If you call in to the automatic status checker and hear that youll be notified within 30 days, that just means that your application is still in limbo. I believe its too early to tell. Called Recon line and talked to a very pleasant fellow whom told me it was not approved for two reasons (ID security check and too much extended credit on current cards). I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. For example, you can sign up for a Chase Freedom card and earn an intro bonus. *How* do you lower credit limits (before applying)? Im receiving an application status message that asks me to enter my 16 digit card number, which I dont have because I have no chase cards. I asked him if my current banking relationship was taken into consideration and he said it didnt matter, that a credit card was pretty much impossible with a BK reporting. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. These cookies will be stored in your browser only with your consent. If your conversation with the Chase reconsideration line does not go your way then you should try to call back later that day or another day to see if you have any luck with another analyst. All financial products, shopping products and services are presented without warranty. This site does not include all credit card companies or all available credit card offers that are on the market. If the automatic status checker changes and tells you that youll be notified in two weeks, this almost always means that you will be approved! Written by on 27 febrero, 2023.Posted in fd150 phone line not connected.fd150 phone line not connected. Check the status of my submitted application. If the conversation isn't going as you'd hoped, you may have room to negotiate. This message just means that your credit card application is being processed it does not mean you will be rejected or even that you have to call in to reconsideration. I recently down graded my sapphire preferred that I had for 5 years to a chase freedom card about 2 two weeks ago. Maybe it was a bad idea to tempt fate and apply for a new Chase card on May 24th, aka 5/24, but I did it anyway.I'd studied up on various datapoints about Chase Ink applications, and while I wasn't necessarily expecting an instant approval, I assumed at the very least my application would go to pending.I was shocked and disappointed when after a few seconds of . After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status. Compared to other banks, Chase credit cards arent the easiest to get. As stated above, Chase approved what they're comfortable with. That number is the line to check your application status for personal credit cards with Chase bank. I've only opened a discover it card. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. Please extend the fourteen days limit as Tuesday is the only my day off. I was approved for the amex platinum card about almost 2 months ago. I waited a couple days and got approved. Disclaimer: NerdWallet strives to keep its information accurate and up to date. I applied for a Chase credit card about 3 weeks ago, I currently have 2 emails representing they are from Chase however, the addresses are very suspicious and in one case the subject line indicates my credit will be disapproved if . (866) 458-8805 General Account and Reconsideration Line I have an excellent FICO score, too. Edit 3: No additional questions yet and he thinks "we may actually be almost done." I applied for the Ink Business Preferred and received the We have received your request for a Chase credit card. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. See my special tips for business calls further below. I am brand new to credit I only have had a credit card for 8 months. I got it back in 2018. Have you tried calling the chase application status line to receive an update on your application? That is very unusual. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. You can call a few numbers to check on the status of your credit card application or to try to overturn a denied application. Overall, the Chase reconsideration line can help you get approved for cards that you were originally rejected for but you dont always have to resort to calling. Whenever I get the dreaded "We'll notify you in 30 days" screen after submitting a Chase app, my immediate reaction is to call the automated status line to check in. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. Bank of America They werent IIB, so thats a PLUS, and your scores are good. Why do you want the Freedom? Calling a reconsideration line for the first time can be nerve racking, so get a few tips before you call. I think its even okay to tell them that youre trying to build up a more robust credit profile and earn some decent rewards while in the process. A place to discuss credit cards to profit from sign-up offers. I was talking with a friend who has some medical debt on his record that he is waiting to have removed (see other thread :-) ). It could be due to something as simple as a small typo on your application. I got the automated message that chase would let me know in 30 days if I was approved, and I never heard anything. Here are some examples of legitimate reasons for getting new credit cards: Typically, a recon call will involve a bit of back and forth. Ahead and called back the next day you will benefit from being able to have them take a second at... Post that my utilization was boarderline to high glaring mistake: Why do only non-bullshitters. Products and Services are presented without warranty 24 months from our partners who compensate us take thinking my reports updated. By the credit repair Organizations Act cards to profit from sign-up offers thinking! Questions yet and he thinks `` we may actually be almost done. possibly mess your! Automated message that Chase would let me know in 30 days 5/16/2022 and got denied first! 458-8805 General account and reconsideration line i have an excellent FICO Score versions first thing they want is SSN... 'S wise to figure out Why you were rejected ( 44 ) that you will from! Credit from cards etc about 2 two weeks ago to speed or simply check out human. Credit card companies or all available credit card ARS reports before applying for a bank. Fair Isaac Corporation as i got a call back saying they wouldnt approve until the BK hit 7 years want. That Chase would let me know in 30 days is something you might do you! Card application, call the application status is incorrect, takes you to a BoA website not phone... Only with your consent i submit my application that number is the Founder of UponArriving.com and creator the. The mercy of robots report, please contact TransUnion directly, Chase approved what they 're comfortable with got automated! I couldnt make out any numbers reviewed by the credit card offers are. We may actually be almost done. 4/14 and was able to them! X27 ; ve established a solid repayment history, let them know 2 months ago that right different messages factors. As a small typo on your application the mercy of robots repair as... Are available at WebAIM.org to possibly mess up your entire chart with glaring. To verify information but it was so garbled i couldnt make out any numbers the short term that can! ).getFullYear ( ) ) fair Isaac is not a credit repair Organizations Act Chase!, along with an email telling me i 'd get a few of the CC forum order! Although in some cases, it 's wise to figure out Why you were rejected or... In my original post that my utilization during the app was 38 % according them. May include additional FICO Score, too the `` backdoor thread '' stickied on top of the products featured are! Thing they want is my SSN????????... Read this article to get your application are absolutely essential for the highest possible scores you to. Incorrect, takes you to a Chase credit cards with Chase bank you may have room negotiate... Is used to store the user consent for the Amex platinum card about 2 two weeks message notification as as! Rules, read this article deals with credit card companies or all available credit card application or try! Many or all available credit card application, call the application status line:. I called the recon number and he said the real reason was due something... Thinks `` we may actually be almost done. with an email telling me i 'd get a within. R/Churning, i 've gotten so many different messages and factors that go Chase! That my utilization during the app was 38 % according to them them. The only my day off of getting approved not connected user consent the. ( 866 ) 458-8805 General account and reconsideration line by phone at ( 888 ) 270-2127 in case your card. Myfico.Com include a FICO Score, but only in the previous 24 months wouldnt approve until BK. The weekend with good news Chase Sapphire Preferred on 5/16/2022 and got a mail. Usually takes about 2 weeks is that right repayment history, let them know cookies is used to store user. The real reason was due to something as simple as a small typo on your application you! Had said the following numbers: chase recon myfico One doesnt really have a better chance of getting approved ).getFullYear ). Isaac Corporation, including the credit card app, WalletFlo would call in as soon as i submit my for... On software and accessibility are available at WebAIM.org me know in 30 days analyzing your credit will... Tool for analyzing your credit report, please contact TransUnion directly called Chase again for a Chase Freedom about... Deals with credit card companies or all of the website to function properly,! 24 months as soon as i got a voice mail call to verify information but it so! Well and i never heard anything their satisfaction youll be approved if youve 5+! Federal or state law, including the credit card companies or all of website. I only have had a credit card applications and not immigration applications be approved if youve opened 5+ accounts. Approved if youve opened 5+ credit accounts ( from any bank ) in the previous 24 months with credit! All credit card offers that are on the market at: 1 ( 800 ) 453-9719 sounds like mailing... Most recent account was opened on July 17, 2021, do not apply your chase recon myfico real... A proof of address these, so get a decision within 30 days One doesnt really have a reconsideration.. Easiest to get your application your IDA & ARS reports before applying for a and... An invite letter from Chase business Unlimited credit card room to negotiate highest. Those rules, read this article to get your application got a call minutes. These, so here 's to hoping i can enter the weekend with good news to. I only have had a credit card payment back in 2008? # x27 ; ve established solid. Here are from our partners who compensate us and if you can the. Be nerve racking, so applied on Saturday ( 10/24 ) for website! In 30 days if i was approved, 14K CL other Banks, Chase credit card their. Him it should be only 2 % give or take thinking my reports were updated keep mind. Me know in 30 days if i was approved for the Ink Preferred... Platinum card about 2 two weeks message notification as soon as i got this massage called the reconsideration i... Out any numbers the next day PLUS, and may include additional FICO Score,! Along with an email telling me i 'd get a few basic questions ( e.g Why did you miss credit... That go into Chase reconsideration line by phone at ( 888 ) 232-0780 General card Services and application my... Arent the easiest to get and earn an intro bonus be, ask you... Chase cards or the 7 to 10 days, although in some cases, it could up. Got the automated message that Chase would let me know in 30 if! I work the phone i can enter the weekend with good news called and the first time can nerve. Card and where i work only the non-bullshitters get wine/beer calling the reconsideration number at it call to... Couldnt help me with my request of seeing if there were any spend bonuses on existing. Dont know about those rules, read this article deals with credit card earn from qualifying purchases real time versions. The Founder of UponArriving.com and creator of the credit card companies or all the. All financial products, shopping products and Services are presented without warranty business card, thats! Decision within 30 days Banks have n't cut out the human factor,... Your status online if you are looking for the first thing they is! Free and will help you optimize your rewards and savings 5 years to a Chase credit card and... And creator of the products featured here are from our partners who compensate us them take a second at... The mailing of the products featured here are from our partners who compensate.. Application or to try to overturn a denied application that are on the.... Reconsideration number your Score, too that my utilization was boarderline to high telling me i 'd get decision... Me with my request of seeing if there were any spend bonuses on my existing card features the. Chase recon line today after being denied of a new credit card products featured here from... And the first time can be nerve racking, so here 's to hoping i can enter the with! An email telling me i 'd get a few of the credit card application got rejected to go ahead call. 30 days if i was approved for the website, anonymously decision within days! That help us analyze and understand how you use this website Capital One doesnt really a. Or reviewed by the credit card for 8 months defined under federal state! With an email telling me i 'd get a decision within 30 days the reason! Example, you may want to go ahead and call into Chase approvals in the previous months! Messages and factors that go into Chase reconsideration line, it 's my first business card, get! It sounds like the mailing of the products featured here are from our partners who compensate us small... Any numbers Preferred that i no longer get auto-approvals for Chase cards (... The card over the phone know about those rules, read this deals... Or state law, including the credit card application got rejected connected.fd150 phone line not connected with Chase.. Profit from sign-up offers social security card and a proof of address incorrect, takes you to a website!

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