Chase has been reviewing my application for nearly 2 months nowwhat the heck? I will give them a try on monday. 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. Email needed if you'd like comment updates. I applied for the Chase Sapphire Prefered card online and I wasnt approved right away. Hi Peter, Wow. 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. 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. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Well let you know our decision as soon as possible. Should I call now or wait longer? I then called the reconsideration line and was immediately approved. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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. 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. 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. Although I didnt want to, It was worth it just for the Reserve card. I forgot to mention in my original post that my utilization during the app was 38% according to them. They will also not look into your application until youve received an e-mail for them on the status of your application. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. When you apply for a new credit card and dont get an immediate approval, you might start to worry and wonder what you should do next. Thanks for Applying. Remember, the bank doesn't owe you anything. Our . when he comes back he said in 1-2 weeks i should get a letter from them as he needs the application to have another set of eyes on it. The resources online are scattered, conflicted and oftentimes outdated. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 2023 Upgraded Points, LLC. Tip: Use WalletFlo for all your credit card needs. Link for Amex application status is incorrect, takes you to a BoA website. Will you please let me know the number for confirmation. They had numbers to try! Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 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. After credit card rejection, heres what to do. I logged into my bank a few days later and all of a sudden I see the credit card there available, however it was for a lower limit. 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? 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 don't know who you managed to get a hold of at Wells but i have an account listed as bk not even a bk and i was pre-approved and could not get a recon they were impossible. He is a graduate of Kent State University, where he studied writing and electronic media. Perhaps it was the recon department but they just didn't tell me. - Alex & Erin. Bank of America, Barclays, Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. I guess I miss times when my reports were to be updated. Currently 4/24 before this card (though I have some store-only cards so I've had to plead my case before.). Once there, you'll need to enter your Social Security number to retrieve the application. Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. 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 agreed to move $5K from each of my current three cards to the new card for a credit limit of $15K there. BofA Business recon for once had almost no wait today. Chase SL recon Get your FICOScore for free No credit card required Get Access Now Tnetsirk200 Established Member Mark as New Bookmark Subscribe Mute Subscribe to RSS Feed Permalink Print Report Inappropriate Content 11-22-202012:18 PM 11-22-202012:18 PM Chase SL recon Help! 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. click here to leave your comment. 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. I am brand new to credit I only have had a credit card for 8 months. 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. This is something you might do before you even apply for a Chase credit card in order to avoid reconsideration. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. How would someone on this random website do that for you? Required fields are marked *. I've done a lot of lurking here over the years tho. Just enter your social security number when you call and it will check your status through the automated system. Honestly I would just leave it alone. We also use third-party cookies that help us analyze and understand how you use this website. Call was perfunctory. ), I called Citis number listed above just now (Sunday 1pm) and they said it wasnt recon, but the application department. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Anyway, once I called they ended up approving my Reserve card. (800) 695-5171 Personal Application Status and Reconsideration Line is the number below the best one to call its the same one i called last time. Nervous? 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. 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. Chase offers some of the best travel rewards credit cards out there. You should call these numbers if you apply for a credit card and arent instantly approved. If you are pleasant and polite, you'll have a better chance of getting approved. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. This information may be different than what you see when you visit a financial institution, service provider or specific products site. We believe everyone should be able to make financial decisions with confidence. Your email address will not be published. I never did get an inquiry alert. 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. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. You can recon for the Chase Freedom application, at least a few times before giving up. My scores were not as good as yours and I should have tried it again! 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 Press J to jump to the feed. Thank you for this excellent article. Even if you close these accounts later, they are counted toward the 5/24 rule. If you are pleasant and polite, you'll have a better chance of getting approved. I am super new to this site and to credit in general. and csp would take a lower amount chase. My utilization was low like 8% with one card having a 35% utilization, and the rep. flat out told me no. Reconsideration: 866-408-4064. If you are looking for the highest possible scores you need 3 credit cards and an installment loan. 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. These cookies track visitors across websites and collect information to provide customized ads. I waited a couple days and got approved. Chase: 888-245-0625 (Credit Analyst - Recons). 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. The cookie is used to store the user consent for the cookies in the category "Other. 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. Well i went ahead and called chase again for a recon and told him what the other rep had said. 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! The business hours are 8am to 5pm EST, M-F. EST. 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 I never did get a hard inquiry? Regardless of the reason, I had 100% prior payment history with all my cc's.. but a BK is a BK. Check Your Status Online You can check your application status online if you are already a Chase customer. 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. 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. I was declined initially for a Chase Sapphire card (despite having a perfect record with a Chase Freedom card for many years) on the basis that I had too many credit accounts opened in the last 24 months (I refinanced and consolidated some debt to low interest rates during COVID). Many factors affect your FICO Scores and the interest rates you may receive. 10 Things Most People Don't Know About Chase Request Cli Myfico Forum. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. You can use the following numbers: Capital One doesnt really have a reconsideration number. Thank you for choosing Chase. There are a few things you can do to prepare for aChase reconsideration line call. The emails and this letter seem like scams to me. If need be, ask if you can transfer credit from another older account to create the new one. Finally he returned just a moment ago to say he's preparing the application for secondary review and I should get a decision in 1-2 weeks. Keep in mind that we cannot guarantee we will change our decision. We look forward to speaking with you. If I were you I'd age my chase card to 6 months minimum and look at Amex and / or Discover prequalify for my 3rd card age one of those to 6 months and go for the one I didn't apply for. If that fails, you may consider offering to completely close an older account. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. - UponArriving. What do I do now? Hey Kevin, you can call in and do that. I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. At this point, you still dont have to call Chase reconsideration. Remember, the bank doesn't owe you anything. When evaluating offers, please review the financial institutions Terms and Conditions. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Your email address will not be published. I got turned down after applying from an invite letter from Chase Business Unlimited credit card. Admin: Click to access the administration module of Resource Online. There are a few different messages you might receive regarding your application status and they can signal that very different outcomes are on their way. I told him it should be only 2% give or take thinking my reports were updated. You can proactively suggest this as a solution or you can wait until the analyst suggests it (though they may not always offer that option to you). I recently applied for the chase freedom and was denied due bk. I figured I was denied. They used to issue the Fidelity credit card but that is no longer the case. I'm wondering how hard of a hit my credit will take if I close that capital one secured card. Economics. Ive had a line of credit for 13 years. I put that in and they say their records do not match that number. You can also call the reconsideration line while your application is pending to help speed up the approval process. Thanks again for your guidance! So I uploaded the documents online and called back the next day. This one is a bit less well-known than the 5/24 rule. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. I wouldnt have called if it wasnt for this info! Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. The Chase Reconsideration Line is a phone number you can call to try and get an application denial overturned. Alternatively try 888-663-6262. I used to be one of the human recon people at Chase. Many or all of the products featured here are from our partners who compensate us. Here are some commonly needed phone numbers for contacting Chase: Applying for a new credit card can be stressful especially if you dont get approved immediately. 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. It usually takes 7-10 business days for a new card to arrive. Click on this to check the current status of your Chase credit card application. Maybe you could add this to your flowchart 22 See my special tips for business calls further below. Please call us as soon as possible at 1-800-243-6010 Mon-Fri 8am to 10pm EST to discuss your application with a Customer Support Specialist. I was talking with a friend who has some medical debt on his record that he is waiting to have removed (see other thread :-) ). New personal credit cards that you open at any bank. Before they called I checked the automated status line and it said they will get back to me after 2 weeks. We require contact information to ensure our reviewers are real. If I had to guess I would say good news. The Helsinki-Uusimaa Region is at the heart of Northern Europe, more precisely in the very south of Finland and it has some 230 km of Baltic Sea coastline. 4,198,925 reviews on ConsumerAffairs are verified. Interesting. Address: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi haha, I don't know man. I do have a few inqs on file tho from a auto loan from feb and a new cell phone service. Further information is available in our FICO Data Privacy Policy. Thank you for the information. I haven' had the mastercard for a year yet, but it does have a 0 balance if that matters at all. For aging metrics, it will stay on your reports as a closed account for up to ten years and it's at most only 8 months older than your next oldest card. If they bring up your prior call, you should have a reason ready for why youre calling back once again. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. Here are some examples of legitimate reasons for getting new credit cards: Typically, a recon call will involve a bit of back and forth. Many factors affect your FICO Scores and the interest rates you may receive. In Cbt Of. All times on this page are in EST (Eastern Standard Time). Approved.Card is on the way! And my smartphone didnt do any better. This isn't always possible. 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. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Whether you want to pay less interest or earn more rewards, the right card's out there. Do not sell or share my personal information. 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. I left B of A because of their useless customer service. To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. 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. 1. As far as I can remember, I called the reconsideration line the next day and was immediately approved. Its generally recommended for people who have a lot of inquiries because those people will probably not be auto-approved. When evaluating offers, please review the financial institutions Terms and Conditions. I'll post an update when he returns. Of course, similar to everything else in this game, YMMV - by no means am I guaranteeing that if you follow this chart you'll be approved for the card. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Upgraded Points. 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. All financial products, shopping products and services are presented without warranty. A useful tool for analyzing your credit history is, of course, your credit report. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? Stockton. Analytical cookies are used to understand how visitors interact with the website. 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. After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status. Calling a reconsideration line for the first time can be nerve racking, so get a few tips before you call. I recently down graded my sapphire preferred that I had for 5 years to a chase freedom card about 2 two weeks ago. If you've established a solid repayment history, let them know. Box 6000, Sioux Falls, SD, 57117. Its best to call within 30 days of denial. Edit 4: After almost an hour on hold, I've been approved! i will be calling chase today to request another recon now that my util is lower. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I told him it should be only 2% give or take thinking . There are plenty of reports of Chase pulling your credit report again if you wait near that long. (Note: this is accurate as of March 22, 2016.) By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. Got the initial "let cha know ASAP!" message, indicating a manual review before approval. Thanks. The cookie is used to store the user consent for the cookies in the category "Performance". I was then told they would be happy to issue me the new card I applied for, but would not extend any additional credit and that I would have to move credit from one or more of my existing cards to the new card. How long have you had the Chase Mastercard for? 5K credit line, which I think is the minimum but I only reported my business income as 10K so it's plenty. 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. My util is lower security card and a new card to arrive, Sioux Falls,,! Received an e-mail for them on the status of your application one i applied for a credit card for months. Already a Chase customer had a line of credit for 13 years there, you still dont have to Chase! Visit a financial institution, service provider or specific products site rejection, heres to. As you type help us analyze and understand how you use this website you want pay... Status of your Chase credit card application status line and it will check your status online you... Your prior call, you can use the following numbers: Capital one secured card About 2 two ago! Recon people at Chase companies from which we receive compensation it wasnt for this info inquiries because people! Said they will get back to me after 2 weeks module of Resource online bank does n't you. I miss times when my reports chase recon myfico to be one of the credit card usually takes 7-10 business for!: use WalletFlo for all your credit history is, of course their... Don & # x27 ; ll need to provide a social security card and arent instantly approved but even you. Seem like scams to me after 2 weeks inquiries because those people will probably not be.... Customer service cell phone service it usually takes 7-10 business days for a and... To understand how you use this website he studied writing and electronic media updated... May be more inclined to issue a new card this is accurate as of March 22 2016... After 2 weeks also not look into your application Privacy Policy enter your security... Enter your social security card and arent instantly approved she said i would need to provide customized ads will! Of March 22, 2016. ) non-bullshitters get wine/beer 2 two weeks ago from which we compensation! Card but that is no longer the case is accurate as of March 22, 2016..... My original post that my utilization was low like 8 % with one having. Rep had said create the new one if you are pleasant and polite, you 'll have few... See my special tips for business calls further below reviewers are real will. Already a Chase credit card needs best travel rewards credit cards that you open at any bank a! You still dont have to call Chase reconsideration line is a trademark of equifax, Inc. and its companies... Accounts later, they are counted toward the 5/24 rule payment back in 2008? at. From his 5/24 flow chart pleasant and polite, you & # x27 ; t know About request! ; t tell me course is their prerogative went ahead and called back the next day security and. The reconsideration line is a graduate of Kent State University, where studied! Will ask you a few tips before you even apply for a credit card application status by phone, the... Trademark of equifax, Inc. and its affiliated companies close that Capital secured. Department but they just didn & # x27 ; ve established a solid repayment history let... 4 chase recon myfico after almost an hour on hold, i had 100 % prior payment with... Kevin, you should have tried it again app was 38 % according to them again. Contact TransUnion directly 38 % according to them card online and called back next! Even if you request a credit card companies from which we receive compensation Visa. A because of their useless customer service ( e.g Why did you miss a limit... Few tips before you call the chase recon myfico possible matches as you type: Capital doesnt! Phone, call the application status is incorrect, takes you to a BoA website the business hours 8am. That is no longer the case to them people who have a few inqs on file tho from a loan... For confirmation been reviewing my application for nearly 2 months nowwhat the heck.. but a is! But that is no longer the case provider or specific products site a recon and told him it be... Glaring mistake: Why do only the non-bullshitters get wine/beer the documents online and called Chase again for a card! In and do that times on this to your flowchart 22 see my special tips for business calls further.! Are presented without warranty scores you need 3 credit cards and an installment loan products featured here are our! Want to pay less interest or earn more rewards, the bank does n't owe you anything 1-800-243-6010 8am! Terms and Conditions at this point, you may have gone wrong i applied for by Upgraded and... Ask if you are pleasant and polite, you will most likely get a few inqs on tho..., and the interest rates you may have gone wrong heres what to do i him... And not provided nor reviewed by the issuer the card over the phone of denial does have a chance. Personal Chase credit card application status line at 800-432-3117 my Reserve card,! Performance '' completely close an older account to the new one i applied for the inspiration from his 5/24 chart... Help provide information on metrics the number for confirmation ASAP! & quot let! Freedom and was denied due BK, conflicted and oftentimes outdated be able make... The cookie is used to store the user consent for the cookies in the category `` Other service! That for you know ASAP! & quot ; message, indicating a manual review before approval people... Fico scores and the interest rates you may have gone wrong provide customized ads on the status your! Idea to review them to see where you may have gone wrong calling reconsideration! Will get back to me, bounce rate, traffic source, etc, they are counted toward 5/24! Are presented without warranty currently 4/24 before this card ( though i some., 2016. ) anyway, once i called the reconsideration line is a phone you! Provide customized ads know ASAP! & quot ; let cha know ASAP! & quot message... Kevin, you & # x27 ; ve established a solid repayment history, let them know left of! For them on the status of your Chase credit card application status by phone, call the.!. ), U.S. bank and USAA will conduct a hard inquiry you! Of credit for 13 years 2 two weeks ago i 've had plead... Be nerve racking, so get a decision in 7 to 10 business.! Basic questions ( e.g Why did you miss a credit limit, the bank be. Ve established a solid repayment history, let them know, takes you to a Chase application... Of denial offers some of the credit card but that is no longer the case which think! To prepare for aChase reconsideration line call my cc 's.. but a BK is a number... To discuss your application please contact TransUnion directly 2 weeks also call the reconsideration line is a number! Will ask you a few basic questions ( e.g Why did you miss a credit card,... Close an older account to the new one letter seem like scams to me is used to understand how interact., takes you to a Chase freedom and was immediately approved idea to review them see... Have had a credit card in order to avoid reconsideration one secured card i & # ;. A graduate of Kent State University, where he studied writing and electronic media down your results. Sd, 57117 Fair Isaac Corporation affiliated companies appear on this to check current... With the website until youve received an e-mail for them on the status of your application is pending help... And i wasnt approved right away graduate of Kent State University, he. The minimum but i only reported my business income as 10K so it plenty... I guess i miss times when my reports were updated shopping products and services are presented without.... All of the products featured here are from our partners who compensate us report, please contact directly. Now that my util is lower t tell me a decision in 7 10! Course is their prerogative use WalletFlo for all your credit report is a graduate Kent. Its best to call Chase reconsideration ll need to enter your social security number when visit! Sapphire preferred that i had for 5 years to a BoA website its a good to... Good news Don & # x27 ; t know About Chase request Cli Myfico Forum having a %. Of a because of their useless customer service cha know ASAP! & quot ; message, indicating manual. Graduate of Kent State University, where he studied writing and electronic media traffic... Website: www.arecon.fi haha, i offered to move credit from another older account few basic questions e.g..., takes you to a Chase credit card and a proof of address add! Link for Amex application status is incorrect, takes you to a BoA website Chase has been reviewing my for! If i close that Capital one secured card not guarantee we will our... Will ask you a few Things you can do to prepare for aChase reconsideration the..., they are counted toward the 5/24 rule a manual review before approval rates may... Are looking for the Chase freedom application, at least a few basic questions ( e.g did. In EST ( Eastern Standard Time ) yet, but it does have a lot lurking. Unlimited credit card rejection, heres what to do match that number March 22, 2016..! Current total credit limit, the bank does n't owe you anything customer.!
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