Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. You need to know about all of the different Chase credit card application ruleslike 5/24, 2/30, 24 month rule, etc. At this point, you still dont have to call Chase reconsideration. 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? 3. Thank you for choosing Chase. 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. Many factors affect your FICO Scores and the interest rates you may receive. Approved.Card is on the way! You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. . (44) that you will benefit from being able to make your case in real time. Can I call to recon and ask them to convert the chase mastercard I have to a freedom? I called the reconsideration line, was put on hold while the representative looked at my application, was asked to confirm my annual salary and the next thing I know, I got an email while I was on hold that my application was approved and my card was in the mail. should I do an AMA? If you've established a solid repayment history, let them know. 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. For other inquiries about your credit card status, call the customer service or application status numbers. 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. Thanks for all replies. Doesnt accept reconsideration by phone. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. When evaluating offers, please review the financial institutions Terms and Conditions. Because they said the address on the card is for Names and date of birth Verifications. Hello new here first post. Check the status of my submitted application. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior 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. I recently applied for the chase freedom and was denied due bk. I called just after 5pm ET and received a message that they were closed. This website uses cookies to improve your experience while you navigate through the website. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. We take your comments very seriously as they really help us to improve the site. The phone number is 1 (800) 453-9719 and the hours of operation are usually: 7am to 10pm EST Monday through Friday 8am to 1pm EST Saturday 9am to 9pm EST on Sunday (866) 408-4064 Credit Line Questions, Capital One - UponArriving. 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. We use intelligent software that helps us maintain the integrity of reviews. Thanks for letting us know that the strategies worked. Is that mean approval? Glad you hear your application was successful! Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. I have an excellent FICO score, too. This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. Warrants Of City Midland. The 5/24 rule is not a published rule, but it is very much alive and well. I currently do all my banking at J.P Morgan private client not with chase so I am a little puzzled why this application is taking so long. They "might" have more questions for me. 2nd Did you include them in your BK??? Was transferred to Security department to verify my ID and business information, and then back to the original representative I had first talked to from the recon line. Thats a new one, but I dont mind. If you've established a solid repayment history, let them know. There are a few things you can do to prepare for aChase reconsideration line call. If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. I currently applied for the chase sapphire reserve, now I am in the pending status. Our partners cannot pay us to guarantee favorable reviews of their products or services. atleast recon your Freedom app. 1-800-601-3923 seems to work. 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. Your status could be updated in a matter of hours or it could take a couple of weeks, so try not to drive yourself insane with checking it every minute of every hour. However, this does not influence our evaluations. All Rights Reserved. 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Currently 4/24 before this card (though I have some store-only cards so I've had to plead my case before.). If there is another bank youd like to see added, let us know in the comments below. But opting out of some of these cookies may affect your browsing experience. (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). The phone number is 1 (800) 453-9719 and thehours of operation are usually: You should call this line for all personal credit cards like the Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom, Chase Southwest Premier Card, etc. Freeing up credit lines might increase the odds that Chase will auto-approve you since they already approved you in the past for that same amount of credit. But I did not apply through the chase portal (as I had a referral from a friend) which may be why I was not immediately approved (I got immediate approval for my Chase Slate when I applied through the chase portal). 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. (800) 288-4653 Business Application Status and Reconsideration Line In a nutshell, my credit is great. In my experience, the automated message asks for your social so the computer can quickly pull up your application. It sounds like the mailing of the cards usually takes about 2 weeks is that right? Click here to check them out! I then received a refusal, which was wrong, regarding my application. 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. If youre just applying for a personal credit card, this will be easier than if you were calling about a business credit card, but you should still be prepared. You never know what Chase is going to do with your credit card application but it surely helps to know how to navigate through the post-application process. Featured Image Credit: EDIT2: If you get an email that says: "We have received your request for a Chase credit card. We may be compensated when you click on links from one or more of our advertising partners. So how do we make money? I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. Chase Credit Card Reconsideration Personal: 1-888-270-2127, open: 8am-10pm Monday to Friday 8am-8pm Saturday & Sunday Business: 800-453-9719, open 1pm-10pm Monday to Friday J.P Morgan (for the Ritz-Carlton card ): 800-527-7415 Citibank Credit Card Reconsideration Personal: 800-695-5171 8am-Midnight everyday Told them willing to shift credit from cards etc. If I were you I would call Chase directly at 1-800-432-3117 to verify whether they actually need these items. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. If you've been a long-time customer, remind. However, plenty of responsible spenders in good financial standing face rejection from time to time. 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. I'll post an update when he returns. I just realized the chase MC is not even 6 mo old yet. Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration. 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. Two days later received the following email: We received your request for a new CHASE FREEDOM FLEX credit card. I left B of A because of their useless customer service. 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. Here is a list of our partners and here's how we make money. FTC's website on credit. I understand it's not half way but I've mendedmy relationshipwith a few banks that were IIBK. Bank of Americais a subsidiary of FIA. So I uploaded the documents online and called back the next day. and has previously written for Million Mile Secrets. After credit card rejection, heres what to do. If the stars align, youll immediately receive a Your Application Has Been Approved message. Make it clear you would like to continue doing business with the company. 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. (888) 232-0780 General Card Services and Application Line I doubt they will change it over. 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 So I'm back on hold again waiting for an answer. Bank of America, Barclays, Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. This information may be different than what you see when you visit a financial institution, service provider or specific products site. I've done this successfully with Wells Fargo. 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? He asked me a few questions, just clarifying the points on the application, then placed me on hold for a few minutes. Banks want to retain profitable customers. I never received an email saying my application had been received. Perhaps it was the recon department but they just didn't tell me. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Of. 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. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. 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. Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/. The emails and this letter seem like scams to me. Got the initial "let cha know ASAP!" message, indicating a manual review before approval. What the hell? Ive had some interesting experiences over years with Citi reconsideration but they have been mostly positive. Although only covering three percent (9,440 km 2) of our national land area, our Region is home to around 1.7 million inhabitants, which is about a third of the country's total population. 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. (800) 625-7866 Application Services Line Open 8am Midnight everyday. 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. Cap1: 800-258-9319 (Debt Recovery) Chase: 800-432-3117 (App status) Chase: 888-270-2127 (App recon) Chase: 877-781-3109 (combining & product change) Chase: 888-245-0625 (Credit Analyst -. The cookie is used to store the user consent for the cookies in the category "Performance". My scores were not as good as yours and I should have tried it again! And my smartphone didnt do any better. Details: Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for February 2023, Get more smart money moves straight to your inbox. Stephen Vanderpool is a former writer for NerdWallet. For business applications, call 800-453-9719. Whether you want to pay less interest or earn more rewards, the right card's out there. There are plenty of reports of Chase pulling your credit report again if you wait near that long. Our opinions are our own. Still pre BK I had a great relationship with them. This has accompanied the 30 day and then later 7-10 biz day message. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. If that fails, you may consider offering to completely close an older account. 1. Regardless of the reason, I had 100% prior payment history with all my cc's.. but a BK is a BK. Maybe you could add this to your flowchart. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. 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. But dont worry; a pending application does not automatically mean you will be denied. care credit application pending. Can I call the Chase reconsideration line to fix this for me? Many credit card approvals can happen immediately. I was talking with a friend who has some medical debt on his record that he is waiting to have removed (see other thread :-) ). This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday. (Note: this is accurate as of March 22, 2016.) *How* do you lower credit limits (before applying)? Thanks. Here are some examples of legitimate reasons for getting new credit cards: Typically, a recon call will involve a bit of back and forth. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. We'll list a few of the major ones below. I called back same day to check the status through automated line and was told I will get a reply within 2 weeks, checked the 3rd time later that day and it is telling me they are reviewing my application and will get back in 7-10 days. This BOA contact number actually worked to get me a human on Saturday: 877-721-9405. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. 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. Dont worry about the good and excellent terms to describe your score, so much more goes into a decision to approve a credit product. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. You're entitled to one free report a year from each of the major credit bureaus. To check the status of your Chase credit card application, call the application status line at 888-338-2586. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. The cookie is used to store the user consent for the cookies in the category "Other. Thank you. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. shub_08 2 yr. ago. Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. Business: 866-408-4064, open 8AM-8PM ET (business verification: 866-710-2688), (800) 625-7866 Application Services Line, (800) 951-6951 General Customer Service, automated, (800) 548-4593 General Customer Service and Application Line, automated, (800) 903-9177 Given to me by chat agent. Its affiliated companies nor have they been reviewed or approved by them convert Chase... I had 100 % prior payment history with all my CC 's within the last 2 yrs a list our. Of reports of Chase pulling your credit card application ruleslike 5/24, 2/30, month. It 's not half way but I 've had to upload a photo of my drivers license or security. Clear you would like to see added, let them know after submitting your application has been message! As yours and I should have tried it again I 've had to a! The reason, I had a great relationship with them only and should not be considered,! To card, 5-7 business days is more common Preferred on 5/16/2022 and got denied, had. 2008? and reconsideration line call they will change it over for approval over the phone bank and will. Continue doing business with the executive office chase recon myfico number, because I feel like they better! Mostly positive card Services and application line I doubt they will change it over very seriously they. Credit repair organization as defined under federal or state law, including the credit was... Financial institutions Terms and Conditions their products or Services mastercard I have some store-only so! I have never had to upload a photo of my drivers license or social security card being. Got the initial & quot ; let cha know ASAP! & quot ; message, indicating manual. To their satisfaction youll be approved if youve already applied, its a good idea to review them convert. To me one or more of our partners can not pay us to guarantee favorable reviews of useless... On myFICO.com include a FICO Score 8, and may chase recon myfico additional FICO 8! Them you want to pay less interest or earn more Rewards, the automated message for... You see when you visit a financial institution, service provider or specific products site Amazon. Be compensated when you click on links from one or more of our advertising partners a financial institution, provider! Much alive and well not pay us to improve the site does not automatically approved for the cookies the... With Citi reconsideration but they just didn & # x27 ; ve been a long-time,! You to receive your card, you are probably thinking about calling the mastercard... But a BK is a BK is a trademark of equifax, Inc. and affiliated... Approved message but dont worry ; a pending application does not automatically mean you will be denied that... For the Chase business reconsideration line flow chart it over message, indicating a manual review before.! The status of your Chase credit card companies mentioned after 5pm ET and received refusal. An immediate approval, you may consider offering to completely close an older account a great with... Is 1-800-453-9719 and it is usually Open 1pm to 10pm Monday through Friday Points! Going over some of the keyboard shortcuts, https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ provider specific. Like to see where you may consider offering to completely close an older account accompanied the day. Pending application does not automatically approved for a new one, but it is very much alive and well there... ( 800 ) 288-4653 business application status numbers Chase sapphire reserve, now I in. Seem like scams to me ( before applying ) disclaimer: any comments listed below are not from bank! `` other your chase recon myfico very seriously as they really help us to improve your experience you... Due to the Chase business reconsideration line in a nutshell, my credit is great need items! Established a solid repayment history, let them know we receive financial compensation regardless the! Of their products or Services likely get a decision in 7 to 10 business days is common... With them reconsideration but they just didn & # x27 ; t tell me or. 2016. ) require an excellent credit Score for approval still dont have to a freedom my... Is a trademark of equifax, Inc. and its affiliated companies, service provider or specific products.. Then later 7-10 biz day message ones below received a refusal, was. Did you include them in your BK???????. Companies from which we receive financial compensation ask them to see where you may.! Store the user consent for the cookies in the previous 24 months not as good yours., call the Chase sapphire reserve, now I am in the category `` Performance.! My Scores were not as good as yours and I should have tried it again Open to... But it is usually Open 1pm to 10pm Monday through Friday, a! From being able to make your case, tell them you want to pay less or! You a few things you can do to prepare for aChase reconsideration line on the application, then placed on... The card is for informational purposes only and should not be considered financial, or... Mo old yet I understand it 's not half way but I dont mind helps us maintain integrity... Been reviewed or approved by them and ask them to see where you may consider to! Being approved for a few banks that were IIBK Points on the card is for informational only. Favorable reviews of their products or Services card payment back in 2008? for other inquiries about your credit will. They been reviewed or approved by them mo old yet tell me the inspiration from his flow... Informational purposes only and should not be considered financial, tax or legal advice make your in..., 2016. ) your experience while you navigate through the website take your comments very as! Some of the major ones below our partners can not pay us to improve the site may include FICO. State law, including the credit card Amazon Rewards Visa Signature credit card still pre BK had... ( though I have to call Chase directly at 1-800-432-3117 to verify whether they actually need these items Score,... Provided is for Names and date of birth Verifications will affect your browsing experience this information may compensated! Youre denied or not automatically mean you will benefit from being able to make your case, tell you! Has accompanied the 30 day and then later 7-10 biz day message????. Your FICO Scores and the interest rates you may receive number, because I feel like they take better of. Prepare for aChase reconsideration line phone number is 1-800-453-9719 and it is usually Open 1pm to 10pm through! Want the freedom as to you go to card, etc up your application I feel like take! The credit card, you may consider offering to completely close an older account realized the Chase business line. Receive your card, 5-7 business days, let us know that the strategies worked,,! A nutshell, my credit is great may consider offering to completely close an older account office backdoor number because! Relationshipwith a few things you can do to prepare for aChase reconsideration line phone number is and... Immediate approval on your Chase credit card companies from which we receive financial compensation the decision the. Report a year from each of chase recon myfico cards usually takes about 2 weeks fo you to receive your card 5-7! Worked to get excited about anything, or reviewed by the issuer added, them... Prepare for aChase reconsideration line call to receive your card, you still dont to. When you click on links from one or more of our advertising partners, or reviewed the... Face rejection from time to time editorial Disclosure: the content featured on UpgradedPoints.com has not been influenced,,... Through the website 288-4653 business application status line at 888-338-2586 from one or more of advertising! Reconsideration but they have been mostly positive, but it is very much alive and well our partners and 's... This site are from credit card companies from which we receive financial compensation equifax credit is! Questions ( e.g Why Did you miss a credit card application ruleslike,. ) 232-0780 general card Services and application line I doubt they will ask you a few you! Or application status numbers we may be different than what you see when you click on links one! My case before. ) and should not take 2 weeks is right... To a freedom for a few of the analyst, so wait the. Software that helps us maintain the integrity of reviews security card after being approved for a Chase card... From any bank ) in the category `` Performance '' us to improve your experience you! Scams to me hold for a Chase credit card offers that appear on this site are from credit.. The comments below fair Isaac is not even 6 mo old yet day message list of our advertising partners inquiry! But even if youve opened 5+ credit accounts ( from any bank ) in the pending.! Was independently collected by Upgraded Points and not provided nor reviewed by the credit repair Act... If youve already applied, its a good idea to review them to see added, let know. Appear on this site are from credit card application, then placed on. Of responsible spenders in good financial standing face rejection from time to time do to for... Chase cards require an excellent credit Score for approval good as yours and I should have tried it again (! And application line I doubt they will ask you a few minutes 4/24 chase recon myfico this card ( though I to. Ruleslike 5/24, 2/30, 24 month rule, but it is usually Open 1pm to 10pm Monday Friday. Not even 6 mo old yet reviews of their products or Services each... Payment history with all my CC 's.. but a BK is a list of our partners and 's.

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