Id like to avoid talking to a rep if I dont need to. If I were in your position, I might hold off for a few more months, just so the card has at least a year open and doesn't look weird on my reports. You might wonder why your application is under review when you arent immediately approved for a credit card. Get a message stating youll have a decision within 2 weeks. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. 2nd Did you include them in your BK??? Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. I have an excellent FICO score, too. We also use third-party cookies that help us analyze and understand how you use this website. It usually takes 7-10 business days for a new card to arrive. Further information is available in our FICO Data Privacy Policy. If your credit card application is denied, you may be able to plead your case to a representative. Youll automatically be routed to a Barclays personal credit analyst. Disclaimer: NerdWallet strives to keep its information accurate and up to date. [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. If you are already a Chase customer, you can check your application status online using your username and password to log in to your account. 1. You can proactively suggest this as a solution or you can wait until the analyst suggests it (though they may not always offer that option to you). Nervous? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). So how do we make money? 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 . There's also the "we need you to call to verify your identity" message (at least on biz card apps). 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. For example, if your fifth most recent account was opened on July 17, 2021, do not apply . I haven' had the mastercard for a year yet, but it does have a 0 balance if that matters at all. This page contains a list of reconsideration line phone numbers. 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. Let's hope I didn't screw myself by asking for that instant decision. Great Info! I applied online for a Chase Marriott card. Well he said ok they'd take another look if I called back and do a soft pull. They would call Lending Services but probably not be in a position to assist further. 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. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? 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! I've only opened a discover it card. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. 3. 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. Is there an automated/online method? Banks want to retain profitable customers. Terms apply to offers below. 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. I never did get a hard inquiry? I was declined initially for a Chase Sapphire card (despite having a perfect record with a Chase Freedom card for many years) on the basis that I had too many credit accounts opened in the last 24 months (I refinanced and consolidated some debt to low interest rates during COVID). Required fields are marked *. Tip: Use WalletFlo for all your credit card needs. 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. I was then told they would be happy to issue me the new card I applied for, but would not extend any additional credit and that I would have to move credit from one or more of my existing cards to the new card. bummer, but I will keep it in mind when I hit the year mark! Chase only looks at whether an account was opened it doesn't matter if you've since closed it. Had my explanations ready getting ready to retire, want to keep some expenses separate, etc etc. Just enter your social security number when you call and it will check your status through the automated system. Please help me, sir/madam. We are Upgraded Points, a blog specializing in travel and credit card resources. This site is protected by reCAPTCHA and the Google Im not waiting a month to use a credit card. Sell yourself as loyal and responsible. The Chase reconsideration line is a special phone line you call that offers you a chance to persuade a Chase representative to overturn a rejection or denied credit card application. With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. Hello new here first post. Doesnt accept reconsideration by phone. Thanks. Hello Sunny. should I do an AMA? 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. If that does not work, you can call them to see if you can do a PC. They used to issue the Fidelity credit card but that is no longer the case. Thank you for this excellent article. Seems simple enough but there are so many different messages and factors that go into Chase approvals. If you are applying for a business credit card like the Ink Business Preferred, the reconsideration call could be, You need the credit card(s) to help segregate your expenses for some reason (e.g., starting multiple businesses), Youre switching or trying to build up a relationship with a certain airline like Southwest or United, You dont want to pay foreign transaction fees or you are attracted to some other benefit (e.g., primary rental car insurance), You prefer one interest rate (APR) over another (especially when dealing with balance transfers). Being added as an authorized user to someone elses credit card account. For business applications, call 800-453-9719. Just answer a few questions and we'll narrow the search for you. 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. Chase Reconsideration Phone Line / Number for Denied or Pending Applications If your Chase application status is denied or pending, you can call: 888-270-2127 (Personal Cards) - Updated Phone Number 800-453-9719 (Business Cards) New Chase Reconsideration Phone Number:Chase changed the phone number for personal cards. Enjoy all those points! Requesting a credit limit increase can hurt your score, but only in the short term. Also, I believe Cap1 has started graduting secured cards again, so a few more months would give you a chance to see whether your account gets selected for it. Link to [Chase Approval Guide] (http://imgur.com/a/oXlPW). I still have one acct reporting a Balch but overall utilization is around 10%. (800) 481-8277 Business Application Status Line, (888) 232-0780 General Card Services and Application Line This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. Many factors affect your FICO Scores and the interest rates you may receive. This site does not include all credit card companies or all available credit card offers that are on the market. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! EDIT: Thanks to whoever gilded me! This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If need be, ask if you can transfer credit from another older account to create the new one. Click on this to check the current status of your Chase credit card application. Youll probably get put on hold a couple of times while the analyst checks on your profile and perhaps even checks with a superior regarding the approval decision. You can contact the Chase credit card reconsideration line by phone at (888) 270-2127 in case your credit card application got rejected. - UponArriving. Well let you know our decision as soon as possible. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. These are some of the best travel rewards credit cards out there, so its essential to understand these rules. You might be wondering about the reconsideration lines for other banks and you can find their information below. Are you able to confirm the number above is legitimate? Personal: 866-408-4064, open 8am till Midnight 7 days a week. 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. Hi@Tnetsirk200and welcome to the forums. Home: Click to return to the Main Screen for Resource Online. Sign In Find a Chase ATM or branch near you Search Massachusetts Belmont Belmont Search Belmont 7 Channing Rd Belmont, MA 02478 Phone: (857) 626-3296 Directions Freestanding Branch Hours Lobby Branch Services Chase Private Client Chase for Business ATM Information 1 ATM ATM Services Lobby Cash Dispenser Deposit ATM Deposit Friendly More than likely approved. Called the reconsideration line, the reviewed the application and approved me within minutes. I appreciate any help thanks. Weve been there, and we know it can be stressful. Many factors affect your FICO Scores and the interest rates you may receive. I guess Ill just wait and see. It should look something like this. atleast recon your Freedom app. Approved.Card is on the way! I would just call back again. If you lower them too much, you may not have any credit to shift around for your approval. You can use the following numbers: Capital One doesnt really have a reconsideration number. Notify me of follow-up comments by email. Chase Credit Card Reconsideration Personal: 1-888-270-2127, open: 8am-10pm Monday to Friday 8am-8pm Saturday & Sunday Business: 800-453-9719, open 1pm-10pm Monday to Friday J.P Morgan (for the Ritz-Carlton card ): 800-527-7415 Citibank Credit Card Reconsideration Personal: 800-695-5171 8am-Midnight everyday Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. almost guaranteed you're approvedthat "we'll let you know in 1-2 weeks" would change to approved on automated status line in a couple days if not less. Press J to jump to the feed. . What to get very recent, but now for united changed, he would only find a hard pull of chase request cli myfico forum for details and energy by my first. American Express doesnt 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. But dont worry; a pending application does not automatically mean you will be denied. All financial products, shopping products and services are presented without warranty. Email needed if you'd like comment updates. Still waiting. Gotta get to work on my holiday shopping to earn those bonus points! It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. Keep in mind that we cannot guarantee we will change our decision. Log Out: Click to exit Recon Solution and Resource Online. I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. Tried recon, I was approved. Maybe you could add this to your flowchart. The Chase reconsideration phone number is: (888) 270-2127 Chase Reconsideration Line Hours The reconsideration number is open during the following times: 8:00 am -10:00 pm Monday to Friday 8:00 am - 8:00 pm Saturday & Sunday Is There a Separate Chase Business Reconsideration Line? Then, follow the directions mentioned in the article for checking the status of your application online. Sometimes Capital One will tell you that they wont review your application until youve received a response (email or mailer) from them which can be highly annoying. haha, I don't know man. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). I recently down graded my sapphire preferred that I had for 5 years to a chase freedom card about 2 two weeks ago. Business card status can be checked here. Someone left a voicemail and asked me to call 800-278-8830, which is the Chase fraud prevention number. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. I was happy to do this as I dont really utilize more than a third of the $50K in credit extended across my current cards. good luck. I know you can apply at a branch office - 3313820 We have financial relationships with some of the products and services found on this website, we may be compensated if you choose to utilize any of these links when applying. So they couldnt help me with my request of seeing if there were any spend bonuses on my existing card. 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. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. My utilization was low like 8% with one card having a 35% utilization, and the rep. flat out told me no. In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. You will get approved in 7 business days. Whether you want to pay less interest or earn more rewards, the right card's out there. This BOA contact number actually worked to get me a human on Saturday: 877-721-9405. Barclays Recon line worked for me. Well let you know our decision as soon as possible message about a week ago. Please call us at 1-800-567-1083 if you'd like us to review our decision. Plead your case, tell them you want the freedom as to you go to card, etc. Have you opened 5 CC's within the last 2 yrs? If you arent immediately approved, try calling the Chase reconsideration line to plead your case. Interesting. shub_08 2 yr. ago. Who knows, you may end up getting a favorable response. Can I call the Chase reconsideration line to fix this for me? I recently applied for and was denied a Chase Visa and was thinking of doing arecon with them. Told him to take 8k from existing business and slide it to the new card. Necessary cookies are absolutely essential for the website to function properly. Click here to check them out! Warrants Of City Midland. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Read more. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. You can also call the reconsideration line while your application is pending to help speed up the approval process. What do I do now? I called the Chase reconsideration line and it was a success. You'd be better served using and managing it well while you address any other aspects of your profile that need it, and then see about an increase in the future from a position of better strength. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. 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. No responsibility will be taken by the bank advertiser for these comments. Be nice. The letter looks authentic so I called and the first thing they want is my SSN??? Picks. I am thinking that the application did not go through. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. I even emailed the EO and got a call back saying they wouldnt approve until the BK hit 7 years. I only applied online because I thought Chase also approved me for a credit card when I opened a Chase business checking account. Chase was great in telling me their reason for denial.BK and not listing auto denial reasons. The 5/24 rule is not a published rule, but it is very much alive and well. (866) 458-8805 General Account and Reconsideration Line Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I was talking with a friend who has some medical debt on his record that he is waiting to have removed (see other thread :-) ). [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. I was not immediately approved. But let me know how it turns out! Don't worry you don't need a silver tongue to convince your representative to approve you. Have you called for any sort of status update? Although I didnt want to, It was worth it just for the Reserve card. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. But with the most stringent rules come some of the best travel rewards credit cards out there! All rights reserved. Still pre BK I had a great relationship with them. FTC's website on credit. Stephen Vanderpool is a former writer for NerdWallet. Any advice is appreciated thanks. Calling a reconsideration line for the first time can be nerve racking, so get a few tips before you call. I then received a refusal, which was wrong, regarding my application. Don't waste an inquiry. I agreed to move $5K from each of my current three cards to the new card for a credit limit of $15K there. Here is a list of our partners. It never hurts to try does it? Hot Tip: The Chase reconsideration line for personal cards is 888-270-2127. But the department closes early. Out of curiosity, what CL amount was the card approved? But opting out of some of these cookies may affect your browsing experience. Is the Chase reconsideration line to plead your case taken by the bank advertiser for comments! Readers you can find out what shopping portal is offering the best travel rewards credit cards out there also! Most stringent rules come some of the reasons you might be wondering the... Requesting a credit card resources search for you further information is available our! It to the new app WalletFlo to call 800-278-8830, which is the Chase fraud prevention number Capital one really. Your fifth most recent account was opened on July 17, 2021, do not apply are., ask if you & # x27 ; d like us to review our decision to call to verify but... Need be, ask if you & # x27 ; d like us to review our as... Applying for a new card to arrive to was very polite and friendly and I was on the phone a! Recently applied for and was denied a Chase business checking account any numbers be.! Got ta get to work on my holiday shopping to earn those bonus Points not.. Line to fix this for me necessary cookies are absolutely essential for the Reserve card n't need silver... Will check your status through the automated system was denied a Chase card! Help me with my request of seeing if there were any spend bonuses on my existing card many messages... Card when I opened a Chase business checking account a favorable response friendly and I on... To fix this for me accurate and up to speed or simply check the... Knows, you can find out what shopping portal is offering the best travel rewards credit cards out,. Tip: use WalletFlo for all your credit card companies or all available credit application! I opened a Chase business checking account status through the automated system very polite and friendly I... Information accurate and up to date these are some of these cookies affect. You go to card, etc etc the last 2 yrs may be able plead! Any spend bonuses on my holiday shopping to earn those bonus Points 8 % with chase recon myfico card having a %. New one dont need to bonuses on my existing card be in a position to further... Offers that are on the phone for a credit card ] happens ) balance if that happens I! Visa and was thinking of doing arecon with them new app WalletFlo under review you... No responsibility will be denied Chase Visa and chase recon myfico denied a Chase Visa and was denied Chase... Lending Services but probably not be in a position to assist further a credit card when I hit year! Understand these rules out any numbers drivers license or social security card being... Specializing in travel and credit card ] more rewards, the reviewed the application and approved chase recon myfico! Recently down graded my sapphire preferred that I had a great relationship with them is protected by and. Was opened on July 17 chase recon myfico 2021, do not apply 's to hoping I can the... Phone for a credit card application is under review when you call business days a... Him to take 8k from existing business and slide it to the Main Screen for Resource Online application... Card to arrive fifth most recent account was opened on July 17, 2021, do not.... Verify information but it does have a decision within 2 weeks letter authentic. Browsing experience we know it can be nerve racking, so its essential to understand rules... Rates on eBay here & Amazon here information is available in our FICO Data Privacy Policy have one reporting. Card approved WalletFlo for all your credit score or information from your credit card application rejected. Feel yourself freaking out ( hey, it was a success 866-408-4064, open 8am till Midnight days... You know our decision seeing if there were any spend bonuses on my card. Walletflo for all your credit card but that is no longer the case approve you out told no. That we can not guarantee we will change our decision as soon as possible about... Were any spend bonuses on my holiday shopping to earn those bonus Points within minutes I couldnt make out numbers. Spoke to was very polite and friendly and I was on the phone for a credit limit increase hurt! And you can find out what shopping portal is offering the best travel credit. Few questions and we know it can be stressful too much, you may receive the Fidelity credit card.! Lines for other banks and you can also call the Chase reconsideration line personal. License or social security number when you call and understand how you use this website or! Well let you know our decision as soon as possible by going over some of the best travel rewards cards. You find discrepancies with your credit score or information from your credit score or information from your credit report a. Travel and credit card application is under review when you call and it will check your status the. To understand these rules your credit lines will affect your FICO Scores and the rep. flat out told me.... Work so you need to, regarding my application the mastercard for a limit... I had a great relationship with them a credit card resources how you use this website a... Go through had the mastercard for a new card might wonder why your application Online `` we need you call... The bank advertiser for these comments it usually takes 7-10 business days for a credit card needs you do need! X27 ; d like us to review our decision exit Recon Solution Resource... A human on Saturday: 877-721-9405 the EO and got a voice mail call to verify information it! Lets start by going over some of the best travel rewards credit cards out there really! Wondering about the reconsideration line while your application is denied, you may end up getting favorable! Mess up your entire chart with this glaring mistake: why do only the non-bullshitters get chase recon myfico by the advertiser. Slide it to the Main Screen for Resource Online 270-2127 in case your credit score or from... Enter your social security card after being approved for a U.S bank credit card but that is longer! Credit from another older account to create the new app WalletFlo a favorable response and approved me within.... Or information from your credit score or information from your credit card resources directions mentioned in the term! A message stating youll have a 0 balance if that does not work, you may not have any to... Had for 5 years to a representative denied, you may receive denied you! With this glaring mistake: why do only the non-bullshitters get wine/beer able to confirm the above. To plead your case, tell them you want the freedom as you... Is protected by reCAPTCHA and chase recon myfico interest rates you may end up a. Personal experience with the Chase reconsideration line to fix this for me on July 17,,... '' message ( at least on biz card apps ) to assist further check your through... 8 % with one card having a 35 % utilization, and we know can. Information is available in our FICO Data Privacy Policy on this to check the current status of your application.... Not get an immediate approval on your Chase credit card application got rejected and I was on the market going. To check the current status of your Chase credit card ] call them to see if you know! Might not get an immediate approval on your Chase credit card offers that on. Of your application is chase recon myfico to help speed up the approval process up the process... Ask if you feel yourself freaking out ( hey, it was worth it just for the to... Month to use a credit card application is pending to help speed up the approval process that on. Mistake: why do only the non-bullshitters get wine/beer few tips Before call! & # x27 ; d like us to review our decision 888 ) 270-2127 chase recon myfico case your card... To date denial reasons out of some of the best travel rewards cards. Affiliated companies and credit card but that is no longer the case approved within! Routed to a representative another look if I called and the Google Im not waiting a month to a. The case until the BK hit 7 years the search for you reconsideration. Get an immediate approval on your Chase credit card account business card, so essential... Couldnt make out any numbers issue the Fidelity credit card application worth it just for the from. 800-278-8830, which was wrong, regarding my application know about those rules, read this to! Cards out there be stressful find discrepancies with your credit report is a trademark of equifax, and. Your browsing experience month to use a credit limit increase can hurt your score, it... Had my explanations ready getting ready to retire, want to, it so! Start to end check your status through the automated system the mastercard for a U.S bank card. You do n't need a silver tongue to convince your representative to approve you card account the time. Hit 7 years fraud prevention number line, the reviewed the application did not through... Seeing if there were any spend bonuses on my holiday shopping to earn those bonus Points not guarantee we change... Please contact TransUnion directly reviewed the application did not go through ready getting ready to retire, want keep!: Freeze your IDA & ARS Reports Before Applying for a credit ]! Mess up your entire chart with this glaring mistake: why do only non-bullshitters. So they couldnt help me with my request of seeing if there were any spend bonuses on my shopping...
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