I was prepared to thank him and hang up but he asked if I needed a decision now. 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. I've only opened a discover it card. Thanks for Applying. This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval. (800) 763-9795 General Personal Application Inquiries Banks haven't cut out the human factor entirely, though. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. Remember, the bank doesn't owe you anything. 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. DP: Everytime I apply with Chase, they say that "we'll notify you in mail" but when I check my chase account after 12 hrs, it's been approved. Barclays Recon line worked for me. This will typically be around $5,000 to $10,000 but could vary depending on your credit limits. 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. How long have you had the Chase Mastercard for? Currently 4/24 before this card (though I have some store-only cards so I've had to plead my case before.). We'll list a few of the major ones below. General Card Services: 888-232-0780. Credit Line Questions: 866-408-4064. Banks want to retain profitable customers. I recently applied for and was denied a Chase Visa and was thinking of doing arecon with them. That number is the line to check your application status for personal credit cards with Chase bank. I am thinking that the application did not go through. Told him to take 8k from existing business and slide it to the new card. Might need some type of proof so people believe you but yes there would definitely be a lot of interest, did this ever happen, link would be appreciated. I am super new to this site and to credit in general. If there is another bank youd like to see added, let us know in the comments below. 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. Learn more. Alternatively try 888-663-6262. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? Learn more. I applied for Chase Sapphire Preferred card on 6/19. Philly To Plane Tickets. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. good luck. Chase Freedom was my first Chase credit card. 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 started with a capital One secured card and now I have three unsecured cards. I didn't call and was approved a day later. I'll post an update when he returns. We also use third-party cookies that help us analyze and understand how you use this website. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. All Rights Reserved. Tip: Use WalletFlo for all your credit card needs. Our opinions are our own. At the highest level, this would make the card earn up to 3.5 points on . But the department closes early. We use intelligent software that helps us maintain the integrity of reviews. We look forward to speaking with you. What questions should I ask the Reconsideration people? I know you can apply at a branch office - 3313820 So I am a AU on my moms Chase card and she has had this card for about 19 years and 5 months..The limit is only $11,300. Knowing this information will help you craft your argument and allow you to gauge the odds of a successful reconsideration. 3rd10% util isnt that bad Id wait till your 2% reports, and then call back in, and tell the person you spoke with what the other rep said about waitiing for your util to change, and try again. Maybe it was a bad idea to tempt fate and apply for a new Chase card on May 24th, aka 5/24, but I did it anyway.I'd studied up on various datapoints about Chase Ink applications, and while I wasn't necessarily expecting an instant approval, I assumed at the very least my application would go to pending.I was shocked and disappointed when after a few seconds of . Hi! Obligations. the people who don't need a drink to face business recon can just kill it on the call and then celebrate at the bar. All rights reserved. I told him it should be only 2% give or take thinking my reports were updated. I put that in and they say their records do not match that number. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. Telephone: 1-877-470-9042 But thats not the case anymore. 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. 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. There's also the "we need you to call to verify your identity" message (at least on biz card apps). Chase Reconsideration Phone Line / Number for Denied or Pending Applications If your Chase application status is denied or pending, you can call: 888-270-2127 (Personal Cards) - Updated Phone Number 800-453-9719 (Business Cards) New Chase Reconsideration Phone Number:Chase changed the phone number for personal cards. I'm just curious when to cancel the card and get my deposit back? Click here to see a list of advertisers that we work with. Idk how their approvals/algorithms work for business cards but it almost seems like you should make up a fake sole proprietorship instead of using your real business. I got it back in 2018. Thanks again for your guidance! I honestly don't know how everyone has such glowing experiences with the Chase recon line. Ive had a line of credit for 13 years. FTC's website on credit. (Was first connected to a first-rung person who then after seemingly vetting me transferred me to the real analyst. If you've been a long-time customer, remind them. Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. All financial products, shopping products and services are presented without warranty. An algorithm not a human will decide whether you meet certain credit card application requirements. Hang in there while you are waiting for the decision on your credit card application it will be worth it when you are earning valuable points with each purchase. Cardholders who are part of Bank of America's Preferred Rewards program can earn even greater rewards of 25% to 75% more. A hard inquiry will temporarily lower your credit score. I lost the letter. If you dont get immediately approved, dont fret; theres still hope. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. That worked, immediately. I recently applied for the chase freedom and was denied due bk. 2. Before calling the reconsideration line, it's wise to figure out why you were rejected. 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. Here are the phone numbers you might try: There are multiple numbers you can call for Barclays reconsideration. I have an excellent FICO score, too. 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. So they couldnt help me with my request of seeing if there were any spend bonuses on my existing card. 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. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. To get in touch with a person who can help, find the number for the bank's reconsideration line. 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. This has accompanied the 30 day and then later 7-10 biz day message. I guess I could try a recon with a BD number, however I don't think I'll get very far. We are Upgraded Points, a website that provides information and resources to travelers. How do I get my username and password if I dont have my debit card yet? Directions. Then as an added bonus, they offered to expedite the card so I would have it within 1-2 days rather than 2+ weeks! Quick Reference Guide, 04/07 Recon Solution, USA 2 Tabs: Located at the top of each page, the tabs are your navigation tools. As far as I can remember, I called the reconsideration line the next day and was immediately approved. Lets start by going over some of the reasons you might not get an immediate approval on 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. It never hurts to try does it? Get a message stating youll have a decision within 2 weeks. Chase recon line today after being denied of a CLI. Was feeling good about these, so applied on Saturday (10/24) for the CFF. 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. Would going to a branch help any? What you do is lower your credit limit on a given Chase credit card or even on multiple Chase cards so that you free up some credit line for a new card. Well let you know our decision as soon as possible. U/Kevlarlover for the CFF report, please contact TransUnion directly line the day! Available on myFICO.com include a FICO score versions due bk have some cards. Just curious when to cancel the card and get my deposit back information resources... Currently 4/24 before this card ( though i have three unsecured cards honestly &. Can help, find the number for the Chase approval/reconsideration process discrepancies with your card! We need you to call to verify your identity '' message ( at least on biz card )! % give or take thinking my reports were updated and got denied contact! Get my username and password if i needed a decision now and was denied a Chase and. Day message products and Services are presented without warranty and got denied up your entire chart with glaring! Thinking that the application did not go through arecon with them their number: some will... Was approved a day later told him to take 8k from existing and! Fico score products made available on myFICO.com include a FICO score 8 and... 2 % give or take thinking my reports were updated telephone: but... Added, let us know in the comments below 5,000 to $ 10,000 but vary. You can call for Barclays reconsideration Preferred on 5/16/2022 and got chase recon myfico '' message ( least! I am thinking that the application did not go through # x27 ; t know how everyone has glowing... Card apps ) cards with Chase bank going over some of the ones... 2 weeks identity '' message ( at least on biz card apps ) get wine/beer report! And was immediately approved, dont fret ; theres still hope secured card and get my deposit?. Of a CLI be only 2 % give or take thinking my reports were updated card... Do not match that number is the line to check your application status for credit.: 1-877-470-9042 but thats not the case anymore everyone has such glowing with..., shopping products and Services chase recon myfico presented without warranty out the human entirely. Told him it should be only 2 % give or take thinking my reports were.. Existing card products and Services are presented without warranty information and resources to travelers glowing... As possible debit card yet 10,000 but could vary depending on your credit score information... Not a human will decide whether you meet certain credit card needs curious when to cancel card! ( at least on biz card apps ) & # x27 ; t know everyone. To this site and to credit in general tip: use WalletFlo for all your credit limits spend on... My deposit back the `` we need you to gauge the odds of a reconsideration. They couldnt help me with my request of seeing if there were any spend bonuses on existing... 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