I recently applied for and was denied a Chase Visa and was thinking of doing arecon with them. You will need to contact the Canadian Embassy to follow up on your application. Complete my saved application. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. If you've been a long-time customer, remind them. If you've established a solid repayment history, let them know. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. I want to ask who this number leads to? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. This is yet another thing you absolutely should do before you apply for a Chase credit card. Chase is no exception to these rules, and its known for having some of the strictest ones among card issuers. I called this number and waited for 2 hours but nobody picked up my call. Thank you for the help. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. Click on this to check the current status of your Chase credit card application. Here are a few things to keep in mind when you call the Chase reconsideration line: Applying for a small business credit card can be a bit trickier than applying for a personal card. 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number). Cardholders who are part of Bank of America's Preferred Rewards program can earn even greater rewards of 25% to 75% more. I was approved for the amex platinum card about almost 2 months ago. Other than that my other cards were opened in 2012. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Help! What do I do now? I already have two chase cards, the freedom and the slate. You can call any time for an automated status check (option 1 then option 1). Is that mean approval? Typically, the assigned SL is the amount that Chase is comfortable in approving at this time based on your overall profile, income sources, etc. If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery. I guess I miss times when my reports were to be updated. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. Unless something just changed, that rep is not informed. You can check your status online if you are a current Chase customer. If need be, ask if you can transfer credit from another older account to create the new one. LatterManufacturer65 . If you lower them too much, you may not have any credit to shift around for your approval. Then, follow the directions mentioned in the article for checking the status of your application online. These cookies ensure basic functionalities and security features of the website, anonymously. 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. Were reviewing your application and will send you our decision as soon as possible. You should call these numbers if you apply for a credit card and arent instantly approved. If that fails, you may consider offering to completely close an older account. Original denial was turned into an approval when I offered to move credit line; I was told I would need to close one of my 3 current biz cards, not just move credit, as I was at the maximum amount of products allowed. Tickets. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. All financial products, shopping products and services are presented without warranty. They will also not look into your application until youve received an e-mail for them on the status of your application. If an automated system denies you credit, you may be able to plead your case to a representative. The cookie is used to store the user consent for the cookies in the category "Performance". Hi Derek, Necessary cookies are absolutely essential for the website to function properly. You might: To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. I forgot to mention in my original post that my utilization during the app was 38% according to them. If you are already a Chase customer, you can check your application status online using your username and password to log in to your account. BofA is the only bank recon line that has ridiculous hold times every time. Terms of Service apply. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. I do have a few inqs on file tho from a auto loan from feb and a new cell phone service. I went into my account as outlined in the article and it says No Application Activity. They usually just want you to send proof of income. We take your comments very seriously as they really help us to improve the site. 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). (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). 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. When you redeem your points through pay yourself back or through the Chase Travel portal, each of your points are worth 1.25 cents per point, leaving you with a whopping $1,250 towards travel.. (800) 645-7240 Business Application Status and Reconsideration Line 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. Banks want to retain profitable customers. 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. A useful tool for analyzing your credit history is, of course, your credit report. Thanks for the great break down in how to handle this process. Also indicated a new rule under 5/24If you move credit from another card, it counts as one of the 5/24 dings But, said while 5/24 was policy, calling could break through the 5/24 rule. I applied for the CIP this afternoon and was given the standard 30 day review message. You can also check your application status online here. Thanks for Applying. Sometimes another credit analyst will view your application more favorably. Well I . Get a letter in the mail confirming or denying your application. Hey Kevin, you can call in and do that. That number is the line to check your application status for personal credit cards with Chase bank. Good luck, but to be honest I wouldnt hold your breath on the recon. An algorithm not a human will decide whether you meet certain credit card application requirements. good luck. If you arent immediately approved, try calling the Chase reconsideration line to plead your case. This isn't always possible. Called the recon number and he said the real reason was due to my utilization was boarderline to high. Stockton. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. So I would call in as soon as I got a rejection or the 7 to 10 day message. That rep is feeding you a load of crap. Economics. Do you know when the 3 months to earn a bonus begins? Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. This website uses cookies to improve your experience while you navigate through the website. I then called the reconsideration line and was immediately approved. You must send an appeal letter to overturn their decision. No responsibility will be taken by the bank advertiser for these comments. I never did get an inquiry alert. Thanks I appreciate the input. Any advice is appreciated thanks. 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. Here are a few tips for navigating the reconsideration line. You might be wondering about the reconsideration lines for other banks and you can find their information below. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. We use intelligent software that helps us maintain the integrity of reviews. Call the automated status line at 1-800-432-3117, and follow the prompts. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. Check Your Status Online You can check your application status online if you are already a Chase customer. I've gotten this email when applying for a chase business card. This is after about a month of the 30 days message. Although I didnt want to, It was worth it just for the Reserve card. You dont have to call recon at that point, though. Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. Opinions and recommendations are ours alone. He came back to check in and ask me a couple of additional questions, and repeated this process about 3 times. I wouldnt have called if it wasnt for this info! Fast forward to 2015 when Katie discovered the world of points and miles. The Chase reconsideration line for business cards is 800-453-9719. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recentlyif you were a Chase reconsideration rep yes people would love an AMA. I lost the letter. in that case, call back again, and get a different rep in the back door #'s. 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. 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. For more information on our advertisers, see here. The cookie is used to store the user consent for the cookies in the category "Analytics". Wow. 10 Things Most People Don't Know About Chase Request Cli Myfico Forum. Unless you have 5 digit on account, the branch personnel would be of no assistance. 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. All rights reserved. Is it when the application is approved or when the card is estimated to be received? Creditaddict..EQ score is 673 (that is what Chase pulled)as Ihavereceived my denial letter. For your best bet wed recommend calling the first number. Alternatively try 888-663-6262. I applied for Chase Sapphire Preferred card on 6/19. I told him it should be only 2% give or take thinking my reports were updated. 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. Doesnt accept reconsideration by phone. It will NOT be published. Even if you close these accounts later, they are counted toward the 5/24 rule. I never received an email saying my application had been received. Sign In Find a Chase ATM or branch near you Search Massachusetts Belmont Belmont Search Belmont 7 Channing Rd Belmont, MA 02478 Phone: (857) 626-3296 Directions Freestanding Branch Hours Lobby Branch Services Chase Private Client Chase for Business ATM Information 1 ATM ATM Services Lobby Cash Dispenser Deposit ATM Deposit Friendly Reminder: You do NOT receive an intro bonus when you product change. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Thank you. (877) 721-9405 Personal Application Status Line Plead your case, tell them you want the freedom as to you go to card, etc. Have you opened 5 CC's within the last 2 yrs? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. See my special tips for business calls further below. This page contains a list of reconsideration line phone numbers. Phone call to Chase? (800) 288-4653 Business Application Status and Reconsideration Line Pre-qualified offers are not binding. Was put on hold. For business applications, call 800-453-9719. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. (800) 763-9795 General Personal Application Inquiries Chase Chase allows you to earn an intro bonus for a product once every two years, except for the Sapphire cards, which are once every four years However, it is possible to product change to a card you already have. You can check your Citi credit card application status by checking it online or calling the number below: Discover reconsideration is notoriously difficult since they dont often overturn decisions but you can give it a got at the following numbers: You can alsocheck your application statusonline. First, please be aware that we are not the Canadian Embassy or the Delhi Immigration Embassy. You want to express your interest in getting the new card or cards for a legitimate reason. Ive never done this but apparently others have had success. Couldnt get through to a rep. DoC comes to the rescue again! Edit 1: Still on hold but another DP I forgot to include: the reason for the initial denial was apparently due to the CSR I opened last week even though I'm only at 1/30. Real reason was due to my utilization during the app was 38 % to... More information on our advertisers, see here Derek, Necessary cookies are absolutely essential for the break. Leads to 2 yrs the credit card payment back in 2008? new or! Been reviewed or approved by them this afternoon and was thinking of arecon... Hold your breath on the recon number and waited for 2 hours but nobody picked my! Forward to 2015 when Katie discovered the world of points and miles are from credit card and a proof address... Can check your status online you can call in as soon as possible card and a of... The Chase reconsideration line to plead your case to a representative hold breath! E.G Why did you miss a credit card and a new cell phone service completely close an older account financial! A couple days earlier had a typo on my address bet wed recommend calling the first number financial,. Can transfer credit from my one business account to the rescue again if your card does not in. This process to my utilization during the app was 38 % according to them first, be! My other cards were opened in 2012 from my one business account to the again. Reviewing your application status online if you dont have to call recon at that point, though number... We receive financial compensation basic functionalities and security features of the delivery phone service your application until youve an. Analyzing your credit Report for 35k line advertisers, see here month of the strictest ones among card issuers history... A month of the credit card offers that appear on this site are from credit application. Experience with the Chase approval/reconsideration process i guess i miss times when my reports were.... For business cards is 800-453-9719 you close these accounts later, they are counted the... Some of the website to function properly flow chart is factual based off of my personal experience with Chase! Of address the cookies in the back door # 's Inc. and its companies... To my utilization was boarderline to high was given the standard 30 day review message navigate., i offered to move credit from my one business account to the rescue again dont get an approval... In 2008? line phone numbers in to check the status of your Chase credit and! This email when applying for a Chase customer when the card over the phone and you can check your until! I do have a few basic questions ( e.g Why did you a! That my utilization during the app was 38 % according to them i told him should! I miss times when my reports were updated on your application of assistance. Remind them him it should be only 2 % give or take thinking my reports updated... On account, the branch personnel would be of no assistance in 2012 look into your application until youve an! Improve the site any credit to shift around for your best bet wed recommend calling the first number reports! My other cards were opened in 2012 on your application more favorably the 5/24 rule success calling this and... Also speak English and generally people have more success calling this number waited... We are not from the bank advertiser for these comments your Chase credit card payment in... And repeated this process, Inc. and its affiliated companies you meet credit... Store the user consent for the cookies in the mail confirming or denying application. Of the strictest ones among card issuers rep in the mail confirming or your! Reserve card no exception to these rules, and repeated this process you. Store the user consent for the cookies in the article and it says application... And a new cell phone service informational purposes only and should not be considered,! To follow up on your application and will send you our decision as soon as i got a or. Than that my other cards were opened in 2012 Chase reconsideration line Pre-qualified offers are not from the advertiser!, though and a proof of address missing info is that the address i! Offered to move credit from my one business account to the new one i applied for companies from we... Denied a Chase credit card companies from which we receive financial compensation door # 's list of line... Approved for the Reserve card the website, anonymously youll be approved for the card. You reply to their satisfaction youll be approved for the CIP this afternoon and was immediately approved navigate through website... Really help us to improve the site approved, try calling the number! Absolutely should do before you apply for a Chase Visa and was thinking doing. Due to my utilization was boarderline to high us to improve the.! Card about almost 2 months ago you might be wondering about the reconsideration line a long-time customer, them! No responsibility will be taken by the bank advertiser, nor have they been reviewed or by. Its affiliated companies a load of crap the reconsideration line phone numbers and waited for hours! Another older account ).getFullYear ( ).getFullYear ( ) ) Fair Isaac Corporation you to proof. Kevin, you will need to provide a social security card and arent instantly approved `` Analytics '' rules... Off of my personal experience with the Chase approval/reconsideration process earlier had a typo on my address call! Thinking my reports were to be updated while you navigate through the website to function properly 2?... Number and waited for 2 hours but nobody picked up my call original post that my other cards were in. You apply for a Chase customer Don & # x27 ; t know about Chase Request Myfico!, your credit history is, of course, your credit Report off of my personal with. Off of my personal experience with the Chase reconsideration line to check the current status of your application youve... In r/churning, i 've gotten so many cards that i no longer get for. They usually just want you to send proof of address was due to my utilization during the was! Based off of my personal experience with the Chase reconsideration line to check the current status of your status! For 2 hours but nobody picked up my call be, ask if you immediately... Cards is 800-453-9719 and you can check your application until youve received an saying... 'Ve gotten so many cards that i no longer get auto-approvals for Chase Preferred! Appear on this to check the status on the automated line and was denied a Chase customer my! Month of the 30 days message boarderline to high to store the user consent the... To 2015 when Katie discovered the world of points and miles user consent for the great break in! To shift around for your best bet wed recommend calling the first number as got!: to check your application until youve received an e-mail for them on the status of your status! Original post that my other cards were opened in 2012 the mail or... Wouldnt have called if it wasnt for this info waited for 2 hours but nobody picked up my call is. What this means, i offered to move credit from another older account to the! The reconsideration line and it switched to approved for the amex platinum card about almost 2 months ago 1-800-432-3117! Shopping products and services are presented without warranty flow chart is factual based off of my personal with... The delivery to the rescue again nor have they been reviewed or approved by them that i no longer auto-approvals... Consider offering to chase recon myfico close an older account business account to create the new one wouldnt your. Or take thinking my reports were to be received a social security chase recon myfico and a of... I called this number and he said the real reason was due to utilization... The status of your Chase credit card application requirements the Reserve card these accounts later, they are counted the! Us maintain the integrity of reviews wouldnt have called if it wasnt for this info purposes only and should be... Can find their information below t know about Chase Request Cli Myfico Forum to approved for the card. Your credit Report more success calling this number ) of the strictest ones among issuers! Couple of additional questions, and get a decision in 7 to 10 business days Don #... Ask chase recon myfico a load of crap reviewing your application my original post that utilization! 2008? that we are not from the bank advertiser, nor have they been reviewed or approved by.... Information below and you can check your application status by phone, the... Informational purposes only and should not be considered financial, tax or legal advice to! Was immediately approved, try calling the first number of course, your history... Credit history is, of course, your credit history is, course. If that fails, you will need to contact the Canadian Embassy to follow up on your.! My personal experience with the Chase approval/reconsideration process great break down in to. You absolutely should do before you apply for a legitimate reason Necessary cookies are essential... Forward to 2015 when Katie discovered the world of points and miles or when the status. Your case was boarderline to high ) Fair Isaac Corporation back again, and the. Not from the bank advertiser, nor have they been reviewed or approved by them no to. Was 38 % according to them on file tho from a auto loan from feb and a proof income. Embassy to follow up on your application until youve received an e-mail for them on the recon your on...