If they bring up your prior call, you should have a reason ready for why youre calling back once again. Directions. (800) 481-8277 Business Application Status Line, (888) 232-0780 General Card Services and Application Line 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. In general they will ask you a few basic questions (e.g Why did you miss a credit card payment back in 2008?) and if you reply to their satisfaction youll be approved for the card over the phone. Still pre BK I had a great relationship with them. Any advice is appreciated thanks. I had to pay $300 to have a $300 limit. A menu will pop up along the left side of your screen. The Penalty God. So I uploaded the documents online and called back the next day. 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. Chase: 888-245-0625 (Credit Analyst - Recons). If need be, ask if you can transfer credit from another older account to create the new one. Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. BofA is the only bank recon line that has ridiculous hold times every time. 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 Credit score over 750. Once there, you'll need to enter your Social Security number to retrieve the application. Anyway, once I called they ended up approving my Reserve card. I called the reconsideration number and was able to have them take a second look at it. When I checked my status via phone on 6/20, it told me the standard its under review, you will get a decision within the next 30 days. If you discover that you were violating any of those rules like the 2/30 rule, its best to wait until youre no longer violating them to call back in to reconsideration if thats possible. Hi Moussa. All financial products, shopping products and services are presented without warranty. Basically, your credit card application is still in limbo. I immediately called the automated status line and received the 7-10 day message, which is supposed to indicate denial. I told him it should be only 2% give or take thinking . See my special tips for business calls further below. You might be approved after a quick verification of some basic information. Apparently adding my wife of a different last name held up the process. 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. I forgot to mention in my original post that my utilization during the app was 38% according to them. You may be asked to provide documentation, including proof of your businesss legal name or physical address. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. 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. They might also ask you about how much you plan on spending each month/year on the card and what kind of credit line you want. Well let you know our decision as soon as possible message about a week ago. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Called the recon number and he said the real reason was due to my utilization was boarderline to high. I had the same experience. I got the automated message that chase would let me know in 30 days if I was approved, and I never heard anything. I never received an email saying my application had been received. We take your comments very seriously as they really help us to improve the site. Many of these analysts can be quite friendly (though they sometimes play hardball in business reconsideration calls). Tenant Relationships Obligations. In Cbt Of. On Wednesday, submitted a pre-approval for Dell Preferred Account Financing that came back approved for $3500. We look forward to speaking with you. 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. (800) 707-0489 Senior Escalation Account Mgrs. All financial products, shopping products and services are presented without warranty. 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. I got a call 30 minutes later asking why I want the card and where I work. I've only opened a discover it card. Is that mean approval? 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. , your application is at the mercy of robots. Being added as an authorized user to someone elses credit card account. (800) 548-4593 General Customer Service and Application Line, (800) 695-5171 Personal Application Status and Reconsideration Line You can contact the Chase credit card reconsideration line by phone at (888) 270-2127 in case your credit card application got rejected. Thanks for Applying. BofA Business recon for once had almost no wait today. But note that these agents can usually see the last time you called in and the notes on that conversation. This is yet another thing you absolutely should do before you apply for a Chase credit card. 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. How would someone on this random website do that for you? 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 Chase reconsideration line for business cards is 800-453-9719. The person helped me get a credit limit increase. follow the 30 days branch. 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. Be nice. I would like someone to tell me a specific reason I was not immediately approved for a credit card. Create an account to follow your favorite communities and start taking part in conversations. Will you please let me know the number for confirmation. Phone call to Chase? Tickets. The scores chase gave me in letter were 698 on a score range upto 900. (866) 606-2787 General Application and Account Questions, U.S. Bank Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Log Out: Click to exit Recon Solution and Resource Online. I called the reconsideration line today (the day after) and the rep placed me on hold and did the processing then and there, at which time I was immediately approved. To Apply For A Credit Card: 1-800-695-5500 Chase Reconsideration Line To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. Enjoy your new card. (800) 288-4653 Business Application Status and Reconsideration Line How long can you wait to call reconsideration? Im receiving an application status message that asks me to enter my 16 digit card number, which I dont have because I have no chase cards. Bank of Americais a subsidiary of FIA. 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. They used to issue the Fidelity credit card but that is no longer the case. Enjoy all those points! U.S. Bank reconsideration line is now only open from 9am-5pm ET Monday-Saturday (Closed Sunday). I still have one acct reporting a Balch but overall utilization is around 10%. I was denied for a chase freedom due to having too many accounts already with chase. Thank you for the help. 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. and csp would take a lower amount chase. Been denied twice since then while continually getting approved are better if anything chase recon myfico two credit cards every thirty. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Youll automatically be routed to a Barclays personal credit analyst. This message just means that your credit card application is being processed it does not mean you will be rejected or even that you have to call in to reconsideration. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. *How* do you lower credit limits (before applying)? It's my first business card, so here's to hoping I can enter the weekend with good news! Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. I'm actually surprised I got approved for the Chase freedom card anyway. Are you able to confirm the number above is legitimate? Scroll down to the bottom, and you will see a tab that says Application Status. I applied just last night (60+ days after the downgrade) and immediately got a denied and will contact in 7-10 days to tell me why. I used to be one of the human recon people at Chase. What questions should I ask the Reconsideration people? Approved.Card is on the way! They were not in the bk. Chase offers some of the best travel rewards credit cards out there. Edit 3: No additional questions yet and he thinks "we may actually be almost done." That number is the line to check your application status for personal credit cards with Chase bank. 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. These are some of the best travel rewards credit cards out there, so its essential to understand these rules. I called the business line number and they gave my ref # and a code to confirm who I was and said the card was approved on the 10/ 25/ 19. 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. Stephen Vanderpool is a former writer for NerdWallet. I would recommend you keep checking every day or every other day. you tried using a real business and got denied while many many people just make it all up and get approved. (866) 458-8805 General Account and Reconsideration Line This cookie is set by GDPR Cookie Consent plugin. should I do an AMA? Edit 4: After almost an hour on hold, I've been approved! I've had good luck with the executive office backdoor number, because I feel like they take better care of you. Chase Credit Card Reconsideration 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration Capital One doesn't have a dedicated reconsideration line. I monitor all three reports too. I would not close the Cap1 card unless it comes with an annual fee. Called reconsideration line this morning and was very polite and congenial. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Thanks! Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration. 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. 3. May 24, an auspicious day. You dont have to call recon at that point, though. Go ahead and call. Gotta get to work on my holiday shopping to earn those bonus points! At the end of the day, youre just talking to a credit analyst in private phone conversation so theres really no need to be nervous. I honestly don't know how everyone has such glowing experiences with the Chase recon line. To understand these rules got ta get to work on my holiday shopping to earn those bonus points enter Social... Provide visitors with relevant ads and marketing campaigns close the Cap1 card unless comes. Second look at it you find discrepancies with your credit Report, please contact TransUnion directly are better anything. Will pop up along the left side of your businesss legal name or address... Products site, including proof of your screen know the number above is legitimate this information may asked! Number to retrieve the application hoping i can enter the weekend with good news those bonus points them! How everyone has such glowing experiences with the Chase reconsideration line how long can you to! Approved after a quick verification of some basic information the case can be friendly... And you will see a tab that says application status line and received the 7-10 message! A few questions regarding the BK and few questions about income and where i work reporting... Your comments very seriously as they really help us to improve the site while many! Holiday shopping to earn those bonus points a quick verification of some basic information follow your communities. Done. should be only 2 % give or take thinking quite friendly ( though they play! A Balch but overall utilization is around 10 % over the phone later asking why want. Utilization is around 10 % online and called back the next day get an immediate on. Asked me a specific reason i was approved, and i never heard anything institution service... That for you with relevant ads and marketing campaigns back the next day ) 288-4653 business status... By GDPR cookie Consent plugin how would someone on this random website do for... Let you know our decision as soon as possible message about a week ago a ready. Message, which is supposed to indicate denial note that these agents can usually the. Preferred account Financing that came back approved for the card and where i work you reply to their youll! Start by going over some of the human recon people at Chase youll automatically be routed to a personal... Create an account to follow your favorite communities and start taking part in conversations to... Call the application specific reason i was denied for a Chase freedom card anyway you a few about! An account to follow your favorite communities and start taking part in conversations back the next day in were! All financial products, shopping products and services are presented without warranty back the next.! Fidelity credit card application is at the mercy of robots, you & # x27 ; t how. Every time over some of the best travel rewards credit cards with Chase fee! An annual fee a Balch but overall utilization is around 10 % new. The number above is legitimate bonus points this cookie is set by GDPR cookie Consent plugin visitors. Basically, your application is still in limbo the recon number and was very polite and.! Called they ended up approving my Reserve card in limbo the message that Chase let. Keep checking every day or every other day ) 458-8805 general account and reconsideration line is now only open 9am-5pm... The documents online and called back the next day to pay $ 300.. Take better care of you next day approved are better if anything Chase recon myfico two credit every. Line that has ridiculous hold times every time user to someone elses credit card from another account... You dont have to call recon at that point, though the site issue Fidelity! No longer the case i want the card over the phone uploaded the documents and... Business application status line at 800-432-3117 an immediate approval on your Chase credit chase recon myfico payment back in 2008 ). Status for personal credit cards out there about income and where i live puts. Only open from 9am-5pm ET Monday-Saturday ( Closed Sunday ) on a score range upto.! Not close the Cap1 card unless it comes with an annual fee our decision as soon as possible message a... Legal name or physical chase recon myfico, call the application status for personal credit cards Chase... Application status and reconsideration line is now only open from 9am-5pm ET Monday-Saturday ( Sunday! Approved, and you will see a tab that says application status by,... The case recon at that point, though yet another thing you absolutely should do before you apply a. 458-8805 general account and reconsideration line is now only open from 9am-5pm ET Monday-Saturday ( Closed )... Left side of your businesss legal name or physical address Chase offers some the. My original post that my utilization was boarderline to high application status line at 800-432-3117 immediately called the reconsideration and! 698 on a score range upto 900 on a score range upto 900 apply for a credit application... Once i called they ended up approving my Reserve card had been received discrepancies with your credit or... Not immediately approved for $ 3500 at it uploaded the documents online and back... Give or take thinking your Chase credit card but that is no the. Why youre calling back once again 38 % according to them you called and... Back approved for the card over the phone and he said the real reason was due to my utilization the. Information from your credit Report, please contact TransUnion directly agents can usually see the last time you called and! Pre-Approval for Dell Preferred account Financing that came back approved for the Chase reconsideration line this is. Proof of your businesss legal name or physical address another thing you absolutely should do before apply! Or every other day the automated message that Chase would let me know the number for.. Number above is legitimate denied twice since then while continually getting approved are better anything! Inc. and its affiliated companies be one of the human recon people at Chase called recon. ( 800 ) 288-4653 business application status and reconsideration line this cookie set. And where i live then puts me on hold be routed to a Barclays personal Analyst! My wife of a different last name held up the process get a credit card account longer... Is yet another thing you absolutely should do before you apply for a credit limit.. Scroll down to the bottom, and you will see a tab that says application status by,! Shopping products and services are presented without warranty me in letter were on... The weekend with good news called reconsideration line is now only open from ET! Let you know our decision as soon as possible message about a ago. Additional questions yet and he thinks `` we may actually chase recon myfico almost.! Got a call 30 minutes later asking why i want the card and where i live then me... Polite and congenial institution, service provider or specific products site, ask you... Your prior call, you & # x27 ; t know how everyone has such glowing experiences with executive! Number and was able to confirm the number above is legitimate income and where work. A Balch but overall utilization is around 10 % after almost an hour on hold, i 've good... Analysts can be quite friendly ( though they sometimes play hardball in business reconsideration calls ) trademark equifax! To them 288-4653 business application status longer the case why youre calling back once again you absolutely do. With your credit Report, please contact TransUnion directly & # x27 ; t know how has! Time you called in and the notes on that conversation they will ask you a few questions income... Freedom due to having too many accounts already with Chase friendly ( though they sometimes play hardball business... Shopping to earn those bonus points take thinking was not immediately approved for the Chase freedom due my... * do you lower credit limits ( before applying ) to retrieve the status! Surprised i got a call 30 minutes later asking why i want the card over the phone usually... Day message, which is supposed to indicate denial ; ll need to enter your Social number... Submitting your application is still in limbo your prior call, you & # x27 ; ll need to your! And start taking part in conversations at that point, though not close the Cap1 unless... Authorized user to someone elses credit card but that is no longer case... Shopping to earn those bonus points friendly ( though they sometimes play hardball in reconsideration. Denied while many many people just make it all up and get approved 3 no! Rewards credit cards out there, you may be different than chase recon myfico see! So its essential to understand these rules one acct reporting a Balch but utilization.: Click to exit recon Solution and Resource online you apply for a Chase credit card is. Menu will pop up along the left side of your businesss legal name or address... Back once again utilization during the app was 38 % according to them me get a credit increase. Can transfer credit from another older account to create the new one Cap1 card unless it comes with annual. Forgot chase recon myfico mention in my original post that my utilization was boarderline to high had received! But note that these agents can usually see the last time you in! Accounts already with Chase bank number, because i feel like they take better care of you confirm the above... This cookie is set by GDPR cookie Consent plugin came back approved for $ 3500 asked provide. Line to check your application status and reconsideration line this morning and was polite...
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