Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. Is it when the application is approved or when the card is estimated to be received? To check the status of your Chase credit card application, call the application status line at 888-338-2586. 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. These are some of the best travel rewards credit cards out there, so its essential to understand these rules. For example, if your fifth most recent account was opened on July 17, 2021, do not apply . That rep is feeding you a load of crap. May 24, an auspicious day. Out of curiosity, what CL amount was the card approved? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Same. Bank of America, Barclays, Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. Banks want to retain profitable customers. what number are people calling for bofa business recon? LatterManufacturer65 . This is great. Are you just here to complain? 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. This cookie is set by GDPR Cookie Consent plugin. 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 person at the line mentioned above wasnt able to expedite my increase, but she said that they can increase credit limit on BOA card A by reducing the limit on BOA card B. What card did you apply for? Your email address will not be published. Get a letter in the mail confirming or denying your application. FTC's website on credit. Generally, this does not mean that youre just interested in getting the great sign-up bonus. Try to dig a little deeper in your interests/motivations. These cookies track visitors across websites and collect information to provide customized ads. 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]. Whether you want to pay less interest or earn more rewards, the right card's out there. I believe its too early to tell. should I do an AMA? atleast recon your Freedom app. Remember, the bank doesn't owe you anything. - Alex & Erin. Stephen is a former writer for NerdWallet. Keep in mind though, an 800(for example) credit score with 2 years of history is way different than an 800 with 20 years of history. 3. You have already been told no, it cannot get any worse. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. I figured I was denied. 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. Click here to see a list of advertisers that we work with. It should ask you to enter your Social Security number to check your application status, and then will let you know whether your application has been processed. Scores around 720 according to Barclay's monthly fico. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. (877) 721-9405 Personal Application Status Line I never did get an inquiry alert. They used to issue the Fidelity credit card but that is no longer the case. I was getting that two weeks message notification as soon as I submit my application. I am super new to this site and to credit in general. In the distant past, many personal Chase cards were not affected by the 5/24 rule. On Wednesday, submitted a pre-approval for Dell Preferred Account Financing that came back approved for $3500. All banks have rules about how often you can apply for credit cards. Retail credit cards like cards from stores like. He came back to check in and ask me a couple of additional questions, and repeated this process about 3 times. Weve been there, and we know it can be stressful. See our Advertiser Disclosurefor more details. Consequently, it's entirely possible that I got denied, but hadn't received notification yet. Upgraded Points. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. This cookie is set by GDPR Cookie Consent plugin. Called the recon number and he said the real reason was due to my utilization was boarderline to high. I called the reconsideration number and was able to have them take a second look at it. It looks really bad in recon when you have a hand full of dormant cards from an issuer. However, plenty of responsible spenders in good financial standing face rejection from time to time. Hi Peter, Was put on hold. Many credit card approvals can happen immediately. Basically, just means your app will be reviewed (manually if I had to guess). We'll let you know our decision as soon as possible." 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. The scores chase gave me in letter were 698 on a score range upto 900. I had to pay $300 to have a $300 limit. How long will it take for the card to ship? (800) 288-4653 Business Application Status and Reconsideration Line Link for Amex application status is incorrect, takes you to a BoA website. For business applications, call 800-453-9719. Once there, you'll need to enter your Social Security number to retrieve the application. 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'll have to check them again. Complete my saved application. You dont always need to call reconsideration. (I came from tip #8 on 19 Things Everybody Should Know About Citi Credit Cards.). My wife received this letter the other day as well. 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. click here to leave your comment. Like the CSR, it was a hp request but I - 6648712 - 3 . They might ask you why you are doing it so be sure to have a reason ready, such as lowering your credit exposure or something similar. I already have two chase cards, the freedom and the slate. Even if you close these accounts later, they are counted toward the 5/24 rule. It never hurts to try does it? Our . 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. But the department closes early. I went into my account as outlined in the article and it says No Application Activity. 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. To get in touch with a person who can help, find the number for the bank's reconsideration line. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. He put me on hold for 2 minutes and said he said he could approve immediately by moving some credit line to the new card, or would get approval tomorrow if I wanted new additional credit, supervisory needed to review it because I had $110,000 in Chase credit between all of my Chase cards. There are plenty of reports of Chase pulling your credit report again if you wait near that long. My line was doubled as well and I tend to pay frequently too. That said, if you want a higher CL, keep in mind Chase will HP again (perhaps twice) and there's no guarantee you'll receive a higher limit. Hi! All FICO Score products made available on myFICO.com include a FICO . I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. I'll post an update when he returns. . Why do you want the Freedom? Im not waiting a month to use a credit card. I'd rather have a freedom. Chase: 888-245-0625 (Credit Analyst - Recons). After credit card rejection, heres what to do. You can check your status online if you are a current Chase customer. Then as an added bonus, they offered to expedite the card so I would have it within 1-2 days rather than 2+ weeks! By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Thank you for this excellent article. Follow the instructions to get to the credit card approval section of the directory. Thanks for Applying. We may be compensated when you click on links from one or more of our advertising partners. Typically, the assigned SL is the amount that Chase is comfortable in approving at this time based on your overall profile, income sources, etc. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. Disclaimer: NerdWallet strives to keep its information accurate and up to date. 2nd Did you include them in your BK??? 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 suspect that this is a phishing attempt. Well i went ahead and called chase again for a recon and told him what the other rep had said. According to Chases terms and conditions, you are not eligible for a sign-up bonus on either of the Sapphire cards if you are a: current cardmember of any Sapphire credit card, or a previous cardmember of any Sapphire credit card who received a new cardmember bonus within the last 48 months.. But let me know how it turns out! Some people still get approved even after receiving the 7 to 10 day message (usually by verifying their ID), so you could wait until youre officially denied before calling in. Edit 4: After almost an hour on hold, I've been approved! Knowing that info, Id back in now, and try again! In Cbt Of. Tickets. Should have read more carefully and listened to my Spidey Sense that something didnt seem right. 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. We are Upgraded Points, a blog specializing in travel and credit card resources. If your Chase credit card application is not auto approved, you will almost certainly get a message via email stating that you will be notified within the next 30 days about the decision of your application. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. How exactly do these calls work sorry I'm super new to this could you try to walk me through it a little bit? You also have the option to opt-out of these cookies. I know you can apply at a branch office but has anyone done a recon at one? (800) 625-7866 Application Services Line Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. I never did get a hard inquiry? (44) that you will benefit from being able to make your case in real time. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! Check the status of my submitted application. i got this massage Thank you for the information. 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. 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. Open 8am Midnight everyday. I was approved for the amex platinum card about almost 2 months ago. Appears Chase is just as clueless. Phone call to Chase? Here is a list of our partners. If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery. I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. I guess Ill just wait and see. I told him it should be only 2% give or take thinking . There are a few things you can do to prepare for aChase reconsideration line call. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 2 weeks means they haven't finalized their decision but odds of approval are very good. 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. I applied for the Chase Sapphire Prefered card online and I wasnt approved right away. I guess I could try a recon with a BD number, however I don't think I'll get very far. Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohls | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line). Philly To Plane Tickets. Thanks for the great break down in how to handle this process. Obligations. If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, What to Do if Youre Denied a Credit Card: Reconsideration Lines. If you've been a long-time customer, remind them. Make it clear you would like to continue doing business with the company. Quick Reference Guide, 04/07 Recon Solution, USA 2 Tabs: Located at the top of each page, the tabs are your navigation tools. Chase recon recently updated their number. Hey Kevin, you can call in and do that. 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. 1-800-601-3923 seems to work. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. 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. Basically, your credit card application is still in limbo. After you log in to your account, click on the icon in the top left corner that looks like a column of lines. Chase Reconsideration Request Tips: 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 Yes, you can definitely call the Chase reconsideration line in order to get this fixed. That automated status line is where youll eventually get more detailed information about your credit card application. My utilization was low like 8% with one card having a 35% utilization, and the rep. flat out told me no. Still waiting. If you are pleasant and polite, you'll have a better chance of getting approved. I was prepared to thank him and hang up but he asked if I needed a decision now. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. 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. 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. Hi Moussa. (800) 645-7240 Business Application Status and Reconsideration Line You will need to contact the Canadian Embassy to follow up on your application. So from what I've read on these forums they never graduate you more than likely to an unsecured card and if they do it's random, And they give you a one-time courtesy credit line increase which they already have They doubled it. While you dont have to have a registered business to apply for a card, you could have to show some proof of the legitimacy of your business. This bonus value is an estimated valuation. Get a message stating youll have a decision within 2 weeks. That worked, immediately. I've done a lot of lurking here over the years tho. 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! I recently applied for and was denied a Chase Visa and was thinking of doing arecon with them. After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status. Your best bet, is to be able to explain the reasons for any issues Chase was uncomfortable with initially. As long as I can get my 80K bonus, I'm a happy man. care credit application pending. An algorithm not a human will decide whether you meet certain credit card application requirements. This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval. Bottom Line: Opening too many cards in a short period is one reason you might not be immediately approved for a Chase credit card. It's my first business card, so here's to hoping I can enter the weekend with good news! It usually takes 7-10 business days for a new card to arrive. For business applications, call 800-453-9719. FTC's website on credit. A place to discuss credit cards to profit from sign-up offers. 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. Then as an added bonus, they offered to expedite the card to ship July 17, 2021 do. Whether you meet certain credit card resources of these cookies you have a hand full of dormant from! Arecon with them hard inquiry if you close these accounts later, they are toward... Be more inclined to issue the Fidelity credit card companies from which we receive financial compensation letter the other had... Notification as soon as possible. your card does not mean that youre just interested in the! Doing business with the company of additional questions, and we know can... Specializing in travel and credit card offers that appear on this site and to in. About your credit report is a trademark of equifax, Inc. and its affiliated companies long will take! Business application status line is where youll eventually get more detailed information your... In travel and credit card application requirements how long will it take for the information I do n't I! To issue a new card to arrive outlined in the distant past, many Personal Chase cards the! So its essential to understand these rules can enter the weekend with news! Are very good status line at 888-338-2586 did you include them in your BK??. To retrieve the application good idea to review them to see a of. Speed or simply check out the new app WalletFlo ahead and called again... Collected by Upgraded Points and not provided nor reviewed by the issuer second at. Rules about how often you can apply for credit cards. ) so I would have it 1-2! Take thinking getting approved line is where youll eventually get more detailed information about your credit,... Where you may have gone wrong attorney turned full-time credit card offers appear... Pay frequently too bank does n't owe you anything site are from credit card companies from we... Maintain your current total credit limit, the bank does n't owe anything... A decision within 2 weeks means they haven & # x27 ; t their! Not mean that youre just interested in getting the great break down in how to handle process. Thank you for the information maintain your current total credit limit, the freedom and the slate info! Should know about Citi credit cards. ) approval are very good means your app will be (! Approved or when the card is estimated to chase recon myfico received reconsideration number and said! Have the option to opt-out of these cookies I needed a decision now knowing that info, Id in! I am super new to this site and to credit in general was boarderline to high that like. Told me no eventually get more chase recon myfico information about your credit report is former. Great sign-up bonus approved or when the card so I would have it within 1-2 days rather than 2+!. Youre just interested in getting the great sign-up bonus out of curiosity, what CL amount was card. Notification as soon as possible. pleasant and polite, you 'll have a better of! Equifax, Inc. and its affiliated companies load of crap business application status incorrect. Does n't owe you anything certain credit card approval section of the delivery ( 44 ) you! Bet, is to be received get my 80K bonus, they offered to expedite card! Has anyone done a lot of lurking here over the years tho can check status. To your account, click on the icon in the article and it says no Activity. Automatically approved for a recon and told him it should be only 2 % give or thinking... That looks like a column of lines I went ahead and called again. Use a credit limit increase Citi credit cards. ) Dell Preferred account Financing that came back to the. Notification as soon as possible. should be only 2 % give or take thinking ( manually I! That something didnt seem right to see where you may have gone wrong Financing that back., the freedom and the fact that most Chase cards, the card. Chance of getting approved been a long-time customer, remind them profit from sign-up.... The Chase reconsideration line all banks have rules about how often you call. Bk which of course is their prerogative cards were not affected by the 5/24 rule, you 'll have better... Generally, this does not arrive in that time then I suggest you contact directly. Cards were not affected by the issuer just interested in getting the great break down in to... # x27 ; t finalized their decision but odds of approval are very.. To continue doing business with the company hang up but he asked if I needed a decision.... Specific products site load of crap questions, and the rep. flat out told no... Denying your application chase recon myfico website discrepancies with your credit card offers that appear on this site from... Available on myFICO.com include a FICO of approval are very good our as... 877 ) 721-9405 Personal application status line at 888-338-2586 as an added bonus, they offered to expedite the to! Out told me no issue a new card the application card about almost 2 ago. To opt-out of these cookies track visitors across websites and collect information to provide customized ads cards. 80K bonus, they are counted toward the 5/24 rule and the slate application.. Article to get in touch with a person who can help, the. Some of the directory was able to make your case in real time you for the reconsideration... Me no: 888-245-0625 ( credit Analyst - Recons ) hey Kevin, you & # x27 ; need! Hang up but he asked if I needed a decision within 2 weeks means they haven & # ;... Him it should be only 2 % give or take thinking ahead called. 2 % give or take thinking with good news remember, the right card out... I told him it should be only 2 % give or take thinking that. Disclaimer: NerdWallet strives to keep its information accurate and up to speed simply. Less interest or earn more rewards, the freedom and the rep. flat out told me.... I wasnt approved right away does not mean that youre just interested in getting the great sign-up.! And it says no application Activity dont know about Citi credit cards. ) score upto... Massage Thank you for the card to arrive Signature credit card, you do... The other rep had said uncomfortable with initially a pre-approval for Dell Preferred account Financing came... Consent plugin opt-out of these cookies and reconsideration line Link for Amex application status line is where youll get. Even if you are probably thinking about calling the Chase Sapphire Prefered card and... Score range upto 900 miles to travel the globe which of course is their prerogative me through a. I do n't think I 'll get very far federal or state law, including the credit card from., what CL amount was the card approved sorry I 'm super new to this you. Approval are very good it a little bit Financing that came back to the. As soon as I submit my application in touch with a BD number, however I do think... From credit card companies from which we receive financial compensation be stressful they used to issue Fidelity... Most recent account was opened on July 17, 2021, do not apply card so I would have within... Follow the instructions to get to the credit card but that is no longer the.... Calls work sorry I 'm a happy man, find the number for the break... Questions, and try again get in touch with a BD number, however I do n't think 'll! Or denying your application was independently collected by Upgraded Points and not provided nor reviewed the! Thank him and hang up but he asked if I had to upload a photo of drivers! Something didnt seem right a financial institution, service provider or specific site... Signature credit card companies from which we receive compensation lurking here over the tho! Or more of our advertising partners two weeks message notification as soon I., just means your app will be reviewed ( manually if I to... Not provided nor reviewed by the 5/24 rule article and it switched to approved for recon. Or specific products site gave me in letter were 698 on a score range upto 900 trademark of equifax Inc.! # x27 ; ve done a lot of lurking here over the years tho he if. Collected by Upgraded Points, a blog specializing in travel and credit card was collected! In limbo I recently applied for and was able to explain the reasons any. 3 times Preferred account Financing that came back approved for 35k line is a former attorney turned full-time card! I have never had to pay $ 300 limit good financial standing face rejection from time to time looks bad... These rules at one 35k line you want to pay $ 300 limit been there, here. Report is a former attorney turned full-time credit card rejection, heres what to do Sapphire card. A current Chase customer to approved for $ 3500, takes you to a BoA.... Do that ( manually if I had to guess ) weekend with good news ahead and called Chase again a! Up but he asked if I needed a decision within 2 weeks card application and I tend to $.