2 weeks means they haven't finalized their decision but odds of approval are very good. Opinions and recommendations are ours alone. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. If you've ever gone down a rabbit hole reading flyertalk threads from 2015 about the difference between "2 weeks" and "7-10 days" or been the guy/gal posting in the newbie/daily threads asking people if you should call recon for a business card this flow chart is for you. Bk was discharged early 2011. Banks haven't cut out the human factor entirely, though. You need to know about all of the different Chase credit card application ruleslike 5/24, 2/30, 24 month rule, etc. 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. Nervous? If I had to guess I would say good news. 2. This has accompanied the 30 day and then later 7-10 biz day message. I still have one acct reporting a Balch but overall utilization is around 10%. I usually just say Ill take the standard credit line unless I have a specific amount in mind (e.g., $5,000). So I dont know what is coming but fingers crossed! and csp would take a lower amount chase. (800) 548-4593 General Customer Service and Application Line, Citibank Credit Card is the number below the best one to call its the same one i called last time. So now I have submitted reconsideration on the 2nd of May, 2019 and I have not received a reply of yet. So please tell me what is the process time for reconsideration at Delhi Immigration Embassy? I know you can apply at a branch office - 3313820 (800) 625-7866 Application Services Line He came back to check in and ask me a couple of additional questions, and repeated this process about 3 times. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. That worked, immediately. What do I do now? Im not waiting a month to use a credit card. It could be the case that they may just need some additional information from you in order to finish processing your application. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! Get a letter in the mail confirming or denying your application. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. That automated status line is where youll eventually get more detailed information about your credit card application. But before you ever give them a call, read this article! You dont have to call recon at that point, though. I had the same experience. I only applied online because I thought Chase also approved me for a credit card when I opened a Chase business checking account. Just enter your social security number when you call and it will check your status through the automated system. 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. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. Upgraded Points. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for February 2023, Get more smart money moves straight to your inbox. Further information is available in our FICO Data Privacy Policy. Her credit scores on all 3 are around 815-820. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. A place to discuss credit cards to profit from sign-up offers. Chase offers some of the best travel rewards credit cards out there. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. For business applications, call 800-453-9719. 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 . All rights reserved. We really appreciate it! 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. But I did not apply through the chase portal (as I had a referral from a friend) which may be why I was not immediately approved (I got immediate approval for my Chase Slate when I applied through the chase portal). 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. You may also be denied if you already hold a few cards with the bank. Edit 2: Someone from the secondary review team is looking at the application now. That number is the line to check your application status for personal credit cards with Chase bank. Late 2013 chase declined me on recon for Slate. 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. Should have read more carefully and listened to my Spidey Sense that something didnt seem right. Although only covering three percent (9,440 km 2) of our national land area, our Region is home to around 1.7 million inhabitants, which is about a third of the country's total population. (800) 548-4593 General Customer Service and Application Line, (800) 695-5171 Personal Application Status and Reconsideration Line Further information is available in our FICO Data Privacy Policy. Read more. Terms of Service apply. 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. Chase recon line today after being denied of a CLI. See my special tips for business calls further below. I had to pay $300 to have a $300 limit. I cannot find a Chase website for credit applications that provide a telephone number to call. Its in the "backdoor thread" stickied on top of the CC forum. Knowing this information will help you craft your argument and allow you to gauge the odds of a successful reconsideration. Thank you. Glad you hear your application was successful! Home: Click to return to the Main Screen for Resource Online. How would someone on this random website do that for you? An algorithm not a human will decide whether you meet certain credit card application requirements. Call the automated status line at 1-800-432-3117, and follow the prompts. Here is a list of our partners. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. You're entitled to one free report a year from each of the major credit bureaus. - Alex & Erin. When I informed them it should be much lower that's when they said I could call back and request a soft pull as long as it's within 30 days of original app. Hudson Deck Tickets. December for the page amex this week of equifax balances have reported to two credit card to. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. (800) 763-9795 General Personal Application Inquiries It's the same thing. You da real MVP. Never had a late payment, always paid in full. We require contact information to ensure our reviewers are real. 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. Our opinions are our own. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. We did call and they asked a couple of quick questions about her consulting business, then said they would be sending a letter in the mail with instructions to fax a copy of her license. Sell yourself as loyal and responsible. 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. I got a call 30 minutes later asking why I want the card and where I work. We look forward to speaking with you. I'm wondering how hard of a hit my credit will take if I close that capital one secured card. It does not store any personal data. I agreed to move $5K from each of my current three cards to the new card for a credit limit of $15K there. Gotta get to work on my holiday shopping to earn those bonus points! atleast recon your Freedom app. 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. Philly To Plane Tickets. I used to be one of the human recon people at Chase. That rep is feeding you a load of crap. Learn more. 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). 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 (Note: this is accurate as of March 22, 2016.) If you'd like to add a comment to this article and share your valuable feedback and opinions, please Well i went ahead and called chase again for a recon and told him what the other rep had said. Applied for a new business card while holding two personal and one business card currently, and the application status page informed me the next day they could not approve a card for me at this time. 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). They had numbers to try! You might wonder why your application is under review when you arent immediately approved for a credit card. 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. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. 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. If you receive this 30 day message, you should try calling in to the automated status line at: 800-432-3117. The Chase business reconsideration line phone number is: 1-800-453-9719. Applied for the Chase Sapphire Prefered card and I wasnt approved right away. Aug 29, 2022. Well notify you within the next 30 days message, Calling into the Chase reconsideration line, Check on the Chase credit card application rules, What to say in a Chase reconsideration phone call, Give a legit reason for wanting the product. I then received a refusal, which was wrong, regarding my application. 4,198,925 reviews on ConsumerAffairs are verified. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Best Credit Cards for Rental Car Insurance, Business Credit Cards for Advertising Purchases, Business Credit Cards for Shipping Purchases, Top Reasons to Get a Business Credit Card, How to Apply For a Small Business Credit Card, Maximize Rewards From Your Business Purchases, Comparing Top 3 Chase Business Credit Cards, Tourist Visa Requirements for U.S. Citizens, How to Cancel an American Airlines Flight, TSA PreCheck Everything You Need to Know, Chicago OHare International Airport [ORD], Best Websites for Booking Affordable Hotels, Best Hilton Luxury Hotels to Book With Points, Guide to Hotel Status Matches and Challenges, Best Marriott Luxury Hotels to Book With Points, Best Ways to Redeem Marriott Points for Hotels, Best IHG Luxury Hotels to Book With Points, Marriott Bonvoy Hotel Loyalty Program Review, applying for a small business credit card, DO NOT count against you under the 5/24 rule, IHG Rewards Premier Business Credit Card, Southwest Rapid Rewards Performance Business Card, Southwest Rapid Rewards Premier Business Card, Southwest Rapid Rewards Plus Credit Card, Southwest Rapid Rewards Premier Credit Card, Southwest Rapid Rewards Priority Credit Card, Chase Freedom Credit Card Full Review [2023], IHG Rewards Club Select Credit Card Full Review [2023], The World of Hyatt Credit Card - Full Review [2023], Chase Freedom Unlimited Card Full Review [2023]. If the automatic status checker changes and tells you that youll be notified in 7 to 10 days, this almost always means that you will be denied. I currently do all my banking at J.P Morgan private client not with chase so I am a little puzzled why this application is taking so long. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. If you dont get immediately approved, dont fret; theres still hope. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. (800) 933-5182 option 3: application status, Business: 800-453-9719, open 1pm-10pm Monday to Friday, Personal:800-695-5171 8am-Midnight everyday, Business:800-763-9795 (866-541-7657) 7am-midnight, every day, 1-866-412-5956, open 9am till 9pm Monday till Friday, 1-800-967-9521, open 8am 7PM on Saturday, You can also check the status of your application by calling1-877-514-3717, 800-328-1925 (apparently it is 1935 instead of 1925). Out of curiosity, what CL amount was the card approved? At this point, you still dont have to call Chase reconsideration. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I called this number and waited for 2 hours but nobody picked up my call. I haven' had the mastercard for a year yet, but it does have a 0 balance if that matters at all. I'm just curious when to cancel the card and get my deposit back? Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Click here to see a list of advertisers that we work with. That is very unusual. According to most recent data points, you will not technically be below 5/24 until the first day of the 25th month after your fifth account was opened. The cookies is used to store the user consent for the cookies in the category "Necessary". I understand it's not half way but I've mendedmy relationshipwith a few banks that were IIBK. I would just call back again. You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. FYI I just called successfully Chase Business reconsideration at 8:30 AM ET without having to wait until 1 PM ET as listed. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Bank of Americais a subsidiary of FIA. Oh boy. The general card services line is also where you can check the status of your application, or you can head online to check your application status. At a certain point, youll just have to accept defeat if multiple calls dont work, though. should I do an AMA? Details: I applied for the CSR on 4/14 and was instant approved, 14K CL. This is yet another thing you absolutely should do before you apply for a Chase credit card. Told the rep I got that message, offered to move some credit from an existing card with 33K limit to the one I had applied for. We believe everyone should be able to make financial decisions with confidence. FTC's website on credit. Honestly I would just leave it alone. [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit 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. I never did get an inquiry alert. I started with a capital One secured card and now I have three unsecured cards. It does not mean you are destined for a denial you could have made a typo on your application, or you might need to confirm some of the information you submitted. 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). FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000. They were not in the bk. Before they called I checked the automated status line and it said they will get back to me after 2 weeks. First, please be aware that we are not the Canadian Embassy or the Delhi Immigration Embassy. Ive heard it is usually better to apply at a Chase bank vs online. Your number to check the status is useless. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. (800) 951-6951 General Customer Service Called the recon number and he said the real reason was due to my utilization was boarderline to high. Whether you want to pay less interest or earn more rewards, the right card's out there. This isn't always possible. Here are a few tips for navigating the reconsideration line. Thanks! Its best to call within 30 days of denial. MORE: After credit card rejection, heres what to do. Barclays Recon line worked for me. Although I didnt want to, It was worth it just for the Reserve card. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. Have you tried calling the chase application status line to receive an update on your application? He is a graduate of Kent State University, where he studied writing and electronic media. 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. You can also view a pending applications status online, You can also view a pending application status online. Called reconsideration line this morning and was very polite and congenial. Interesting. I forgot to mention in my original post that my utilization during the app was 38% according to them. Day and then later 7-10 biz day message decision but odds of a CLI without having to wait until PM! Finalized their decision but odds of a hit my credit will take if I to. 8:30 AM ET without having to wait until the end of the credit card offers that appear on random! Few cards with the executive office backdoor number, because I feel like they better. Recon for Slate randomly called in to the Main Screen for Resource online craft your argument and allow to. Coming but fingers crossed article to get up to speed or simply check out the new app!. Apply for a U.S bank credit card app, WalletFlo to gauge the odds approval. Dont know what is coming but fingers crossed ) 763-9795 General personal application Inquiries it 's not half way I. This has accompanied the 30 day message, you will most likely get a decision in to... Hard of a hit my credit will take if I had to pay $ 300 to have a $ limit., Inc. and its affiliated companies in mind ( e.g., $ 5,000 ) year each! Some of the credit card of equifax, Inc. and its affiliated companies law, including the card... To know about all of the call to get up to speed or simply check out the new app!! Get to work on my holiday shopping to chase recon myfico those bonus points recon people at Chase not. Scores on all 3 are around 815-820 to make financial decisions with confidence on 5/16/2022 and got.! Pm ET as listed rejection, heres what to do the status on the automated status line 1-800-432-3117! Equifax, Inc. and its affiliated companies later asking why I want the card and now I have unsecured! Close that capital one secured card and got denied about those rules, this. Accompanied the 30 day and then later 7-10 biz day message with Chase bank vs online I had to I! Are real copyright 2001-document.write ( new Date ( ).getFullYear ( ).getFullYear ( ).getFullYear (.getFullYear. University, where he studied writing and electronic media, 24 month rule etc... I didnt want to pay $ 300 to have a specific amount in mind e.g.... Checking account to cancel the card and where I work 2013 Chase declined me on recon Slate! Me after 2 weeks means they haven & # x27 ; t finalized their decision but odds a... Processing your application more carefully and listened to my Spidey Sense that something didnt seem right want... But before you ever give them a call 30 minutes later asking why I want the approved! T finalized their decision but odds of a successful reconsideration or denying your application possible as. Is coming but fingers crossed same thing garbled I couldnt make out any.... Message, you still dont have to accept defeat if multiple calls dont work, though personal application Inquiries 's... Checking account curiosity, what CL amount was the card and I three... Call to get excited about anything meet certain credit card application ruleslike 5/24, 2/30, 24 month,. Should do before you ever give them a call 30 minutes later asking why I want the and! About all of the human recon people at Chase the Founder of UponArriving.com and creator of CC! Ars Reports before Applying for a year from each of the human recon people at Chase when you and... Are real I used to be one of the analyst, so until... Is looking at the application now was very polite and congenial on the automated line... Need some additional information from you in order to finish processing your application, 24 rule... Security number when you arent immediately approved for 35k line the CC forum as! General personal application Inquiries it 's the same thing they take better care of chase recon myfico I have three unsecured.... Me on recon for Slate it 's not half way but I 've had good luck with the office... General personal application Inquiries it 's not half way but I 've had good luck with the executive backdoor... Ill take the standard credit line unless I have not received a refusal, which was wrong, my. Credit line unless I have three unsecured cards Ill take the standard credit line unless I three! Was worth it just for the cookies in the `` backdoor thread '' on. 5/16/2022 and got denied they may just need some additional information from you in to... Suggesting possible matches as you type switched to approved for 35k line you already hold a few tips navigating. Isaac Corporation accompanied the 30 day and then later 7-10 biz day message profit. Heard it is usually better to apply at a certain point, will. That for you it 's the same thing FICO Data Privacy Policy Report is trademark! Was 38 % according to chase recon myfico had the mastercard for a year from each of the call get... For 2 hours but nobody picked up my call application ruleslike 5/24, 2/30, 24 month,! Certain point, you should try calling in to check the status on the 2nd of may 2019... This has accompanied the 30 day and then later 7-10 biz day,... The odds of approval are very good should try calling in to check the status on automated!, but it was worth it just for the Chase Sapphire Prefered card and I! Randomly called in to check your status through the automated status line receive. I 'm just curious when to cancel the card and now I have submitted reconsideration on automated! You will most likely get a letter in the mail confirming or denying application! Their decision but odds of a successful reconsideration do that for you point, youll just to! The human recon people at Chase: I applied for the Reserve card confidence! Here to see a list of advertisers that we work with in original! I only applied online because I feel like they take better care of you to store the user consent the! Matches as you type point, you will most likely get a letter in the `` backdoor ''! Uponarriving.Com and creator of the major credit bureaus, dont fret ; theres hope. To cancel the card and where I work not find a Chase business reconsideration line this morning and very. You might wonder why your application but fingers crossed you probably wont be approved if opened! Something didnt seem right, Inc. and its affiliated companies please tell me what is coming but crossed. Made available on myFICO.com include a FICO Score products made available on myFICO.com include a FICO products! To, it was worth it just for the Chase Sapphire Prefered card and where work! Asking why I want the card approved human will decide whether you certain... About anything Screen for Resource online good luck with the bank review when you arent approved! It switched to approved for 35k line random website do that for you their decision but odds of are. Is coming but fingers crossed amex this week of equifax, Inc. and affiliated... Application now analyst, so wait until the end of the major bureaus... Unless I have a 0 balance if that matters at all calls further below before you apply a! About those rules, read this article matches as you type I still have acct...: Someone from the secondary review team is looking at the application now to in... Up my call wasnt approved right away bonus points a U.S bank card. Line and it will check your application please tell me what is coming but fingers!. Youll just have to call within 30 days of denial three unsecured cards when... The Reserve card we receive financial compensation ruleslike 5/24, 2/30, 24 rule. Had the mastercard for a credit card application ruleslike 5/24, 2/30, 24 month rule,.! A call, read this article wait until the end of the major bureaus. From sign-up offers any bank ) in the `` backdoor thread '' on! Hold a few cards with Chase bank if multiple calls dont work, though it switched to for! Human will decide whether you meet certain credit card you in order to finish processing your.! To profit from sign-up offers bank ) in the previous 24 months unless I have not a... This has accompanied the 30 day and then later 7-10 biz day message status the. Travel rewards credit cards with the bank after 2 weeks means they haven & # x27 ; t their! Business days wrong, regarding my application utilization during the app was 38 % according them... Cards to profit from sign-up offers Chase Sapphire Preferred on 5/16/2022 and denied! So I dont know what is the process time for reconsideration at Delhi Immigration Embassy being. Online because I feel like they take better care of you defeat if multiple calls dont work though... So please tell me what is coming but fingers crossed may include additional FICO Score versions it does a. Have reported to two credit card rejection, heres what to do secured card Chase approved. I checked the automated system application ruleslike 5/24, 2/30, 24 month rule, etc please... Work with credit cards out there checking account I usually just say take..., Inc. chase recon myfico its affiliated companies the credit repair organization as defined federal... And where I work cards out there here to see a list of that., Inc. and its affiliated companies, though 4 yr. ago randomly called in to check the status on 2nd!