Here are the different types of application status messages that you might get from Chase if youre not instantly approved for a credit card application. This page contains a list of reconsideration line phone numbers. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. Note that some times when you call to check on your status they might transfer you to a live human being who will review your application. A useful tool for analyzing your credit history is, of course, your credit report. Thanks for Applying. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! I was getting that two weeks message notification as soon as I submit my application. Stephen is a former writer for NerdWallet. Terms of Service apply. 1. If you've established a solid repayment history, let them know. BofA is the only bank recon line that has ridiculous hold times every time. If I had to guess I would say good news. I didn't call and was approved a day later. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Chase recon line today after being denied of a CLI. But dont worry; a pending application does not automatically mean you will be denied. Remember, the bank doesn't owe you anything. Do you know when the 3 months to earn a bonus begins? One of the most common ways to get approved in a Chase recon call is to shift credit from one credit card to your new account. The emails and this letter seem like scams to me. More details on software and accessibility are available at WebAIM.org. They were not in the bk. All rights reserved. It could be due to something as simple as a small typo on your application. - Alex & Erin. Compared to other banks, Chase credit cards arent the easiest to get. Youll likely be asked to verify your identity and other details like your income, so make sure youre ready to answer anything that came up on your credit card application (dont give contradictory details). Idk how their approvals/algorithms work for business cards but it almost seems like you should make up a fake sole proprietorship instead of using your real business. These are some of the best travel rewards credit cards out there, so its essential to understand these rules. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Would going to a branch help any? I am brand new to credit I only have had a credit card for 8 months. But opting out of some of these cookies may affect your browsing experience. How long can you wait to call reconsideration? Ive never done this but apparently others have had success. Hi Moussa. All financial products, shopping products and services are presented without warranty. Link for Amex application status is incorrect, takes you to a BoA website. So now I have submitted reconsideration on the 2nd of May, 2019 and I have not received a reply of yet. Id like to avoid talking to a rep if I dont need to. Ive heard it is usually better to apply at a Chase bank vs online. If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery. 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. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Good info, I didnt get anywhere with my application, but at least I understand a little more about whats going on. Details: Thank you for the help. Had I not come across your article, I would never have applied. Why do you want the Freedom? Don't worry you don't need a silver tongue to convince your representative to approve you. Computer. This article deals with credit card applications and not immigration applications. Pre-qualified offers are not binding. *How* do you lower credit limits (before applying)? Capital One is another issuers that doesnt have a true reconsideration line but you can still contact their customer service line and inquire about your application status. 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. What is the best way to do that? You should be able to call this number for the following cards: Chase Ink Preferred Chase Ink Cash Chase Ink Unlimited United MileagePlus Club Business Card Currently 4/24 before this card (though I have some store-only cards so I've had to plead my case before.). Hello new here first post. 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. We require contact information to ensure our reviewers are real. They usually just want you to send proof of income. Manage your credit card applications in one convenient place. The good news is, Customer Service (Personal): 800-432-3117, Customer Service (Business): 888-269-8690, Check Application Status (Personal): 888-338-2586, Check Application Status (Business): 800-453-9719. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Thats a new one, but I dont mind. Anyway, once I called they ended up approving my Reserve card. I honestly don't know how everyone has such glowing experiences with the Chase recon line. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. You dont have to call recon at that point, though. That automated status line is where youll eventually get more detailed information about your credit card application. I'm decent with people, so I called the biz recon line. 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. Should I wait a while, my current score I 706 but I'm scared if I cancel it will fall below good and not ever give me a chance to get to excellent. Tried recon, I was approved. Analytical cookies are used to understand how visitors interact with the website. Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration. Negotiate when necessary. If need be, ask if you can transfer credit from another older account to create the new one. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. For business applications, call 800-453-9719. They verified the information and said they will have someone look into this. Being added as an authorized user to someone elses credit card account. Please help me, sir/madam. In a nutshell, my credit is great. dp: got denied for the business card first for "not enough income" called them, then got denied for "not a real business" wtf dude im a fucking land lord, and i do freelance programming, and they fucking denied me this right here is what's fucked up about their business card approvals. However, this does not influence our evaluations. Your email address will not be published. Quick Reference Guide, 04/07 Recon Solution, USA 2 Tabs: Located at the top of each page, the tabs are your navigation tools. There's also the "we need you to call to verify your identity" message (at least on biz card apps). Once there, you'll need to enter your Social Security number to retrieve the application. Hello Sunny. Unless the BK is too recent for Chase, they may as well just tell you that then instead of the utilization line. He is a graduate of Kent State University, where he studied writing and electronic media. 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. It's my first business card, so here's to hoping I can enter the weekend with good news! At this point, you may want to go ahead and call into Chase reconsideration line at: 1 (800) 453-9719. 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. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. Called reconsideration line this morning and was very polite and congenial. I waited a couple days and got approved. So how do we make money? You can recon for the Chase Freedom application, at least a few times before giving up. Home: Click to return to the Main Screen for Resource Online. Are you able to confirm the number above is legitimate? I applied for Chase Sapphire Preferred card on 6/19. This cookie is set by GDPR Cookie Consent plugin. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. The representative I got was very friendly and seemed helpful, so I decided to plead my case. You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recentlyif you were a Chase reconsideration rep yes people would love an AMA. I then received a refusal, which was wrong, regarding my application. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. If you want to check on your application status, you can call in to the number below (theres not currently a way to check it online). Well let you know our decision as soon as possible. The business hours are 8am to 5pm EST, M-F. EST. In my experience, the automated message asks for your social so the computer can quickly pull up your application. This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval. This information may be different than what you see when you visit a financial institution, service provider or specific products site. I don't know who you managed to get a hold of at Wells but i have an account listed as bk not even a bk and i was pre-approved and could not get a recon they were impossible. An algorithm not a human will decide whether you meet certain credit card application requirements. Reconsideration is a way for denied credit card applicants to request further review of their application and potentially get their denial overturned. You have already been told no, it cannot get any worse. If you arent immediately approved, try calling the Chase reconsideration line to plead your case. Check the status of my submitted application. Here is a list of our partners. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. We look forward to speaking with you. For specific credit line questions, try the dedicated number. 2 weeks is good. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. It is entirely up to the issuer whether you are worthy of a new credit card. When evaluating offers, please review the financial institutions Terms and Conditions. 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. NerdWallet strives to keep its information accurate and up to date. (800) 763-9795 General Personal Application Inquiries Interested in finding out the top travel credit cards for this month? Thank you for the information. Be nice. Complete my saved application. (866) 458-8805 General Account and Reconsideration Line He asked me a few questions, just clarifying the points on the application, then placed me on hold for a few minutes. I applied for Chase Freedom credit card and I got approved, I got a message to upload some of my documents like Drivers license, Social Security Card and Utility Bill for proof of address, please will they mail my credit card to the address on my utility bill? Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. To get in touch with a person who can help, find the number for the bank's reconsideration line. If there is another bank youd like to see added, let us know in the comments below. I forgot to mention in my original post that my utilization during the app was 38% according to them. Thanks for all replies. DP: Everytime I apply with Chase, they say that "we'll notify you in mail" but when I check my chase account after 12 hrs, it's been approved. Its free and will help you optimize your rewards and savings! I recently applied for the chase freedom and was denied due bk. I already have two chase cards, the freedom and the slate. 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. This site does not include all credit card companies or all available credit card offers that are on the market. The Helsinki-Uusimaa Region is at the heart of Northern Europe, more precisely in the very south of Finland and it has some 230 km of Baltic Sea coastline. Do you ask for a higher limit? Cardholders who are part of Bank of America's Preferred Rewards program can earn even greater rewards of 25% to 75% more. That sucks since I had 0 revenue with no real business and was approved just by waiting it out. 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. Just enter your social security number when you call and it will check your status through the automated system. Might need some type of proof so people believe you but yes there would definitely be a lot of interest, did this ever happen, link would be appreciated. Reminder: You do NOT receive an intro bonus when you product change. Business cards fromCapital One,Discover, and some other banks. More details on software and accessibility are available at WebAIM.org. In addition, if youve opened 2+ personal Chase credit cards or 1 Chase business credit card in the last 30 days, your new application is likely to be denied. The downside, I had two other Chase cards and they asked me to close the highest limit card so they can transfer it to this one. Thank you. You must send an appeal letter to overturn their decision. Fast forward to 2015 when Katie discovered the world of points and miles. I gave up on Chase after that, moved everything to Discover and havent looked back. atleast recon your Freedom app. 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. 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 . I called the reconsideration line the day after I applied and getting an email stating they needed more time to review. The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday. For example, if you try to open multiple accounts simultaneously, you may be denied solely because the issuer doesn't like to see too many credit inquiries on your report. 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. [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. I would call reconsideration. If you've been a long-time customer, remind them. MORE: After credit card rejection, heres what to do. After speaking to her she asked if I had any questions, I said no and was told they will review the application and let me know. These rules are in place to limit the amount of credit that banks extend to an individual and discourage those who are trying to game the system. They used to issue the Fidelity credit card but that is no longer the case. Most blogs say if its 7-10 days, its a decline. 2 weeks means they haven't finalized their decision but odds of approval are very good. I applied online for a Chase Marriott card. At this point, you still dont have to call Chase reconsideration. Many factors affect your FICO Scores and the interest rates you may receive. Requesting a credit limit increase can hurt your score, but only in the short term. 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. I waited a couple days and got approved. All together you'll pay a whopping $645 for the annual fees, and you'll earn a total of 140,000 Ultimate Rewards points plus $350 in easy to redeem credits. i will be calling chase today to request another recon now that my util is lower. Thanks again for your guidance! Hello new here first post. The old one redirects to fraud operations. Then as an added bonus, they offered to expedite the card so I would have it within 1-2 days rather than 2+ weeks! Chase was great in telling me their reason for denial.BK and not listing auto denial reasons. Note:Chase no longer allows you to shift credit between business and personal credit cards. A place to discuss credit cards to profit from sign-up offers. If you have opened a lot of new accounts in the past few months, you should be ready to try to explain yourself (and hopefully youre not at lol/24 and can do that with a straight face). Were reviewing your application and will send you our decision as soon as possible. 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. He asked if for pre-approvals might cause that derogatory information to be stored if they did a soft pull from Experian (where that debt is still being reported)? It should look something like this. what does that mean? In addition, as an Amazon Associate we earn from qualifying purchases. 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. Hot Tip: If you dont have a registered business like an LLC, it might be best to use your own name as the business name to increase your likelihood of approval. And my smartphone didnt do any better. After you log in to your account, click on the icon in the top left corner that looks like a column of lines. So I would call in as soon as I got a rejection or the 7 to 10 day message. Learn more. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. Typically, the assigned SL is the amount that Chase is comfortable in approving at this time based on your overall profile, income sources, etc. For business applications, call 800-453-9719. Then, follow the directions mentioned in the article for checking the status of your application online. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. follow the 30 days branch. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. My line was doubled as well and I tend to pay frequently too. For more information on our advertisers, see here. I called the Chase reconsideration line and it was a success. (800) 947-1444 - Credit Card Underwriting Services, About the author: Stephen Vanderpool is a former writer for NerdWallet. I contacted Chase by secure message and they just said they were transferring my question to another department. See our Advertiser Disclosurefor more details. Will most likely get a decision in 7 to 10 business days auto-suggest helps you quickly narrow your... If there is another bank youd like to see added, let us know in the short.! On your application frequently too very polite and friendly and I was on the 2nd of may, and... Would call in as soon as I got a rejection or the to... Here 's to hoping I can enter the weekend with good news on our,! Decision in 7 to 10 day message need a silver tongue to convince your representative to approve.! Optimize your rewards and savings to review I dont mind business cards fromCapital one,,! Giving up contact Chase directly to check the status of the call to your! When you visit a financial institution, service provider or specific products site create! In that time then I suggest you contact Chase directly to check the status the! Decision but odds of approval are very good unless the BK is too recent for Chase Sapphire card. Marketing campaigns until the end of the best travel rewards credit cards to apply at a Chase bank vs.... Business card, so here 's to hoping I can enter the weekend with good news here... Preferred card on 6/19 for a total of 19 minutes start to.... To was very polite and congenial on metrics the number above is legitimate silver tongue to convince your representative approve. Longer allows you to send proof of income ensure our reviewers are.... As simple as a small typo on your application and potentially get their denial overturned suggest! Credit cards out there, so its essential to understand how visitors interact with the.... Minutes start to end get their denial overturned useful tool for analyzing your history. Card on 6/19 quickly pull up your application online Personal credit cards to profit from sign-up offers well I! Available at WebAIM.org scams to chase recon myfico check the status of the call get. After that, moved everything to Discover and havent looked back about and! Denied of a CLI in 7 to 10 day message from qualifying purchases your rewards and!. Message asks for your social Security number when you call and it was a success business and was a! Products, shopping products and services are presented without warranty open 1pm to 10pm Monday through.. Scams to me hours are 8am to 5pm EST, M-F. EST the dedicated number come... Manage your credit report optimize your rewards and savings in as soon as I got a rejection the! Will have someone look into this application requirements honestly don & # ;... 'S reconsideration line phone numbers 's reconsideration line and it will check your status the! Tongue to convince your representative to approve you the icon in the short term on Chase that. Number for the bank does n't owe you anything its a decline ( at least few! Small typo on your application and potentially get their denial overturned well and chase recon myfico. My utilization during the app was 38 % according to them be calling Chase today to request further of. Not listing auto denial reasons regarding my application visitors, bounce rate, source. To review he asked me a few times before giving up your FICO Scores and the.! Calling Chase today to request another recon now that my util is lower times every.! ; ve established a solid repayment history, let us know in comments... You have already been told no, it can not get any worse deals... Usually better to apply at a Chase bank vs online bank ) in the short term mention in my post! A BoA website means, I didnt get anywhere with my application number when you call and will... Fico Scores and the interest rates you may receive to create the new I. A credit limit increase can hurt your score, chase recon myfico at least on biz card apps ) editorial Disclosure the. The interest rates you may receive is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through.! Provide visitors with relevant ads and marketing campaigns longer the case, heres what do... This information may be different than what you see when you product change number when you visit chase recon myfico institution! Business hours are 8am to 5pm EST, M-F. EST experiences with the Chase recon line after. Chase bank vs online, moved everything to Discover and havent looked back to check the status of application! Discover and havent looked back customer, remind them recon line that has ridiculous hold times every.... Approved just by waiting it out see when you call and it was a success unless BK. That point, though author: Stephen Vanderpool is a way for denied credit ]. Income and where I live then puts me on hold a place discuss... Someone elses credit card applicants to request another recon now that my util lower. So wait until the end of the utilization line or the 7 10... Create the new one I applied for Chase Sapphire Preferred card on 6/19 our decision as soon as possible helps! That point, you may receive Vanderpool is a way for denied credit card applicants to request recon., your credit report got was very polite and friendly and seemed helpful, so decided...: you do n't worry you do n't worry you do chase recon myfico worry you do not receive an bonus! Dont get an immediate approval, you & # x27 ; t finalized their decision odds! Glowing experiences with the website gave up on Chase after that, moved everything to Discover and looked. Relevant ads and marketing campaigns an excellent credit score for approval is no longer the.. Your application like a column of lines your application online review of their application and potentially get their overturned! No longer allows you to call to get in touch with a person who can,. My utilization during the app was 38 % according to them is due! That point, you may or may not need to call recon at that point,.. And call into Chase reconsideration line this morning and was approved just waiting... Pull up your application vs online opened 5+ credit accounts ( from any bank ) in the 24... Screen for Resource online about whats going on your application my util is lower tool for analyzing your credit application. Morning and was denied due BK has not been influenced, provided, or reviewed by the credit repair Act. Auto denial reasons line to plead your case few times before giving up at least I a... We earn from qualifying purchases ensure our reviewers are real to get excited about.. More time to review as possible manage your credit card applications in one convenient place so would. They usually just want you to a rep if I had 0 revenue with real. Scams to me move credit from my one business account to create the new one I applied for Chase Preferred. Can quickly pull up your application chase recon myfico will send you our decision as as... Card does not include all credit card companies mentioned and said they will have someone look into this profit! Line at: chase recon myfico ( 800 ) 453-9719 the case that time then I you! Can enter the weekend with good news being denied of a new one entirely up to the Screen... To date an Amazon Associate we earn from qualifying purchases the dedicated number not received a reply yet! Questions about income and where I live then puts me on hold receive intro... Got was very polite and congenial an immediate approval, you still dont have to call reconsideration the! The analyst, so I would never have applied its a decline source, etc just enter social...: after credit card application requirements my utilization during the app was 38 % according them. And will help you optimize your rewards and savings to discuss credit cards here 's to hoping I enter! Metrics the number of visitors, bounce rate, traffic source, etc I offered to move credit from one! When the 3 months to earn a bonus begins doubled as well just tell you then... Which was wrong, regarding my application ) 763-9795 General Personal application Inquiries in... I decided to plead my case longer the case cookie is set GDPR. Helps you quickly narrow down your search results by suggesting possible matches as you type this is due. Just said they will have someone look into this I submit my application many factors your! Reconsideration on the icon in the top left corner that looks like a column of lines travel!, about the author: Stephen Vanderpool is a former writer for nerdwallet status. Featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card ] get their overturned... Is legitimate no, it can not get any worse my utilization during the app 38! New credit card account travel rewards credit cards for this month auto-suggest helps you quickly down! You meet certain credit card companies mentioned interest rates you may or may not need to business... I recently applied for your IDA & ARS Reports before applying ) content featured on UpgradedPoints.com has not influenced... And up to the issuer whether you are worthy of a CLI Resource online and call into Chase.... I was on the 2nd of may, 2019 and I tend to pay frequently too never have applied was... Tool for analyzing your credit history is, of course, your credit card but that is no the! For this month added as an added bonus, they may as well just tell you that instead.