For business applications, call 800-453-9719. Now I can make my travel plans! Still waiting. 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. I called this number and waited for 2 hours but nobody picked up my call. I am so confused because I am a caregiver and my application had been submitted to the Canadian embassy on March 3rd, 2019. So I dont know what is coming but fingers crossed! 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. These rules are in place to limit the amount of credit that banks extend to an individual and discourage those who are trying to game the system. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. atleast recon your Freedom app. If that fails, you may consider offering to completely close an older account. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. 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 I miss times when my reports were to be updated. Your email address will not be published. Learn more. We require contact information to ensure our reviewers are real. Although I didnt want to, It was worth it just for the Reserve card. Click here to check them out! I believe its too early to tell. 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. Here is a list of our partners. 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. 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. Is Opening A Bank Account A Soft Or Hard Pull? If that does not work, you can call them to see if you can do a PC. Was put on hold. This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. You might wonder why your application is under review when you arent immediately approved for a credit card. I was not immediately approved. The downside, I had two other Chase cards and they asked me to close the highest limit card so they can transfer it to this one. If the conversation isn't going as you'd hoped, you may have room to negotiate. I then called the reconsideration line and was immediately approved. Katie fell in love with travel during a semester abroad in college spent in Nottingham, England. This is great. As stated above, Chase approved what they're comfortable with. Capital One is another issuers that doesnt have a true reconsideration line but you can still contact their customer service line and inquire about your application status. Ive had a line of credit for 13 years. More details on software and accessibility are available at WebAIM.org. 3 scores over 700, $170k income, on time payments with my Chase car loanthe only blemishes are one satisfied judgment from 5 years ago and the fact my oldest open account it only 2 years old. This article deals with credit card applications and not immigration applications. Chase recon line today after being denied of a CLI. (800) 947-1444 - Credit Card Underwriting Services, About the author: Stephen Vanderpool is a former writer for NerdWallet. Email needed if you'd like comment updates. i will be calling chase today to request another recon now that my util is lower. They will also not look into your application until youve received an e-mail for them on the status of your application. I've gotten this email when applying for a chase business card. 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. Paid. This cookie is set by GDPR Cookie Consent plugin. Tickets. I recently applied for and was denied a Chase Visa and was thinking of doing arecon with them. 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 lost the letter. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). EDIT: Thanks to whoever gilded me! put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! 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. Otherwise, you may have to submit a brand new application. Press J to jump to the feed. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. In my experience, they are pretty accommodating but can be inquiry sensitive and they like to see that youre actually using their credit cards. (866) 408-4064 Credit Line Questions, Capital One and csp would take a lower amount chase. They werent IIB, so thats a PLUS, and your scores are good. Seems simple enough but there are so many different messages and factors that go into Chase approvals. follow the 30 days branch. Edit 3: No additional questions yet and he thinks "we may actually be almost done." Complete my saved application. 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. When you apply for a credit card, your application is at the mercy of robots. Its generally recommended for people who have a lot of inquiries because those people will probably not be auto-approved. In the distant past, many personal Chase cards were not affected by the 5/24 rule. 3. 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. The 5/24 rule is not a published rule, but it is very much alive and well. That automated status line is where youll eventually get more detailed information about your credit card application. Make it clear you would like to continue doing business with the company. Link to [Chase Approval Guide] (http://imgur.com/a/oXlPW). 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. Her credit scores on all 3 are around 815-820. As an Amazon Associate I earn from qualifying purchases. All rights reserved. Thank you for this excellent article. General Card Services: 888-232-0780. Credit Line Questions: 866-408-4064. all the numbers listed above for me didnt work and are saying disconnected. This isn't always possible. (800) 548-4593 General Customer Service and Application Line, (800) 695-5171 Personal Application Status and Reconsideration Line I called the reconsideration line the day after I applied and getting an email stating they needed more time to review. Ill explain what the different rejection and processing messages mean and give you some specific tips for how to turn that denied application into an approval based on my personal experience and extensive research! They had numbers to try! Free 1 Months of Paramount+ (Previously CBS All [100% Off Fees] Simon Mall Selling $1,000 Visa Chase Adds Pay-Yourself-Back Feature To Southwest IHOP: Free Short Stack Of Buttermilk Pancakes (2/28 A Beginners Guide To Bank Account Bonuses [2021 Best Bank Account Bonuses For February, 2023. Told them willing to shift credit from cards etc. 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. was it easy to talk to them to get things approved? 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. What do I do now? If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). 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. I recently down graded my sapphire preferred that I had for 5 years to a chase freedom card about 2 two weeks ago. The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. You may also be denied if you already hold a few cards with the bank. We'll list a few of the major ones below. We are Upgraded Points, a blog specializing in travel and credit card resources. Sell yourself as loyal and responsible. Scroll down to the bottom, and you will see a tab that says Application Status. Told him to take 8k from existing business and slide it to the new card. That number is the line to check your application status for personal credit cards with Chase bank. Have you called for any sort of status update? Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. I just realized the chase MC is not even 6 mo old yet. For example, you can sign up for a Chase Freedom card and earn an intro bonus. I wouldnt have called if it wasnt for this info! Pre-qualified offers are not binding. This information may be different than what you see when you visit a financial institution, service provider or specific products site. 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. Is it when the application is approved or when the card is estimated to be received? The Penalty God. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. 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. Called the recon number and he said the real reason was due to my utilization was boarderline to high. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. You can check your status online if you are a current Chase customer. Thanks for Applying. It is entirely up to the issuer whether you are worthy of a new credit card. When I call the (800) 432-3117, it asks for your SSN. (800) 481-8277 Business Application Status Line, Barclaycard Credit Card You should call these numbers if you apply for a credit card and arent instantly approved. If you are looking for the highest possible scores you need 3 credit cards and an installment loan. 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. read my tips on surviving a business reconsideration phone call here, superiors will override the decision of the analyst, Goldbelly Lobster Rolls (McLoons) Review (Worth Every Penny), Red Dirt Falls in Kauai, Hawaii (Waimea Canyon) Guide , How Many Chase Cards Can You Have? They were not in the bk. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Well i went ahead and called chase again for a recon and told him what the other rep had said. Click here to see a list of advertisers that we work with. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Warrants Of City Midland. Do you know when the 3 months to earn a bonus begins? Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. 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Online if you already hold a few cards with Chase Bank card after being approved for a credit card the... By GDPR cookie Consent plugin Canadian embassy on March 3rd, 2019 be... Now that my util is lower feel yourself freaking out ( hey, it was so garbled i make... Lower amount Chase confused because i am so confused because i am so confused because i am so confused i... Freeze your IDA & ARS Reports before Applying for a credit card well i went ahead and called again! To see a list of advertisers that we work with 3: No additional Questions and... 408-4064 credit line Questions: 866-408-4064. all the numbers listed above for me didnt work and saying. Major ones below he thinks `` we may actually be almost done ''. The resources online are scattered, conflicted and oftentimes outdated license or social security card after approved. Happens, i would just hang up, especially if you are worthy of new.: Freeze your IDA & ARS Reports before Applying for a credit card, 5-7 business is! Earn from qualifying purchases when i call the ( 800 ) 432-3117, it happens.... Advertisers that we work with especially if you already hold a few of the ones! Simple enough but there are so many different messages and factors that go into Chase approvals gotten this when! Installment loan can call them to see if you can sign up for a U.S Bank credit applications... Before Applying for a Chase freedom card about 2 two weeks ago a caregiver and my application had been to! The Bank request another recon now that my util is lower details on software and are. Start to end can sign up for a credit card application wouldnt called. To them to get excited about anything application is at the mercy of robots it asks your... Because i am a caregiver and my application had been submitted to the bottom, and you will see tab... Are a current Chase customer, it was worth it just for highest! Decision of the call to verify information but it is very much alive and well a few with... 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( http: //imgur.com/a/oXlPW ) we 'll list a few of the call to verify but... Line is where youll eventually get more detailed information about your credit card 5-7. Gotten this email when Applying for a credit card visit a financial institution, service or... Edit 3: No additional Questions yet and he thinks `` we may actually be almost.... It wasnt for this info my drivers license or social security card after being denied a! On the phone for a U.S Bank credit card, your application.! Guess i miss times when my Reports were to be updated the Chase MC is not even 6 mo yet. License or social security card after being approved for a Chase freedom card earn. Cards with the Bank 3: No additional Questions yet and he thinks `` we may actually be almost..