Reading this made me so happy . Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. These cookies track visitors across websites and collect information to provide customized ads. To get help with this youll want to contact Chase directly at 1-800-935-9935. And belated thanks to my girlfriend fiance wife for the design help. But let me know how it turns out! As long as I can get my 80K bonus, I'm a happy man. I was not immediately approved. 3 scores over 700, $170k income, on time payments with my Chase car loanthe only blemishes are one satisfied judgment from 5 years ago and the fact my oldest open account it only 2 years old. If the conversation isn't going as you'd hoped, you may have room to negotiate. Go ahead and call. We will only recommend the products that we believe are the best fit for you, the consumer. Many factors affect your FICO Scores and the interest rates you may receive. Reminder: You do NOT receive an intro bonus when you product change. (866) 458-8805 General Account and Reconsideration Line Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Youll likely be asked to verify your identity and other details like your income, so make sure youre ready to answer anything that came up on your credit card application (dont give contradictory details). You da real MVP. Now I can make my travel plans! Chase has been reviewing my application for nearly 2 months nowwhat the heck? This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. Stephen Vanderpool is a former writer for NerdWallet. More details on software and accessibility are available at WebAIM.org. Interested in finding out the top travel credit cards for this month? (800) 947-1444 - Credit Card Underwriting Services, About the author: Stephen Vanderpool is a former writer for NerdWallet. FYI I just called successfully Chase Business reconsideration at 8:30 AM ET without having to wait until 1 PM ET as listed. Called reconsideration line this morning and was very polite and congenial. You just need a solid argument and a pleasant demeanor. 2023 Upgraded Points, LLC. Unless you have 5 digit on account, the branch personnel would be of no assistance. Well let you know our decision as soon as possible. The Chase reconsideration line for business cards is 800-453-9719. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Applied for a new business card while holding two personal and one business card currently, and the application status page informed me the next day they could not approve a card for me at this time. All rights reserved. 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). I started with a capital One secured card and now I have three unsecured cards. I applied for the CSR on 4/14 and was instant approved, 14K CL. 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. Note:Chase no longer allows you to shift credit between business and personal credit cards. 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. Is Opening A Bank Account A Soft Or Hard Pull? Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. 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. Called the recon number and he said the real reason was due to my utilization was boarderline to high. If that does not work, you can call them to see if you can do a PC. You may be asked to provide documentation, including proof of your businesss legal name or physical address. So I dont know what is coming but fingers crossed! 5K credit line, which I think is the minimum but I only reported my business income as 10K so it's plenty. Required fields are marked *. was it easy to talk to them to get things approved? But dont worry; a pending application does not automatically mean you will be denied. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. For your best bet wed recommend calling the first number. There are other credits too, but honestly they're not worth much to most people so I wouldn't factor them in to your equation. They might ask you why you are doing it so be sure to have a reason ready, such as lowering your credit exposure or something similar. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. I then received a refusal, which was wrong, regarding my application. Wow. All times on this page are in EST (Eastern Standard Time). EDIT: Thanks to whoever gilded me! If your conversation with the Chase reconsideration line does not go your way then you should try to call back later that day or another day to see if you have any luck with another analyst. If that does not work, you can call them to see if you can do a PC. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. At this point, you still dont have to call Chase reconsideration. FTC's website on credit. Problem solved. Alternatively try 888-663-6262. 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. I applied for the Chase Sapphire Prefered card online and I wasnt approved right away. Directions Sulfur Plant. Get Your Estimated FICO Scores Range. Requesting a credit limit increase can hurt your score, but only in the short term. I applied for Chase Freedom credit card and I got approved, I got a message to upload some of my documents like Drivers license, Social Security Card and Utility Bill for proof of address, please will they mail my credit card to the address on my utility bill? 2 weeks is good. Called the reconsideration line, the reviewed the application and approved me within minutes. You can recon for the Chase Freedom application, at least a few times before giving up. You must send an appeal letter to overturn their decision. Other than that my other cards were opened in 2012. This cookie is set by GDPR Cookie Consent plugin. They had numbers to try! That is very unusual. He has also written fiction and screenplays and worked on independent films. What is the best way to do that? All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Before you go into a reconsideration phone call (with any bank) you should try to put spend on your other credit cards issued by them. Manage your credit card applications in one convenient place. I guess I could try a recon with a BD number, however I don't think I'll get very far. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. If you've been a long-time customer, remind them. Thanks for Applying. It never hurts to try does it? We use intelligent software that helps us maintain the integrity of reviews. This page contains a list of reconsideration line phone numbers. Who knows, you may end up getting a favorable response. 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. You can contact the Chase credit card reconsideration line by phone at (888) 270-2127 in case your credit card application got rejected. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. That rep is feeding you a load of crap. 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. They verified the information and said they will have someone look into this. You're entitled to one free report a year from each of the major credit bureaus. Had my explanations ready getting ready to retire, want to keep some expenses separate, etc etc. All together you'll pay a whopping $645 for the annual fees, and you'll earn a total of 140,000 Ultimate Rewards points plus $350 in easy to redeem credits. Make it clear you would like to continue doing business with the company. We have financial relationships with some of the products and services found on this website, we may be compensated if you choose to utilize any of these links when applying. No responsibility will be taken by the bank advertiser for these comments. Unless shaving $600 off your TCL would push you over a util threshold, closing the Cap1 secured shouldn't have an effect on your credit score. Weve been there, and we know it can be stressful. It does not store any personal data. Our opinions are our own. Stockton. We really appreciate it! *How* do you lower credit limits (before applying)? Id like to avoid talking to a rep if I dont need to. Hello new here first post. Should have read more carefully and listened to my Spidey Sense that something didnt seem right. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. 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 Knowing that info, Id back in now, and try again! I applied for the Ink Business Preferred and received the We have received your request for a Chase credit card. This article deals with credit card applications and not immigration applications. We believe everyone should be able to make financial decisions with confidence. Thanks. You can check your application status online if you are already a Chase customer. I'm decent with people, so I called the biz recon line. Got the initial "let cha know ASAP!" message, indicating a manual review before approval. So I would call in as soon as I got a rejection or the 7 to 10 day message. 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. you tried using a real business and got denied while many many people just make it all up and get approved. 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. Im afraid we are not able to assist with this as we are not Chase. How long have you had the Chase Mastercard for? There's also the "we need you to call to verify your identity" message (at least on biz card apps). Is it when the application is approved or when the card is estimated to be received? Our partners compensate us. More than likely approved. I called the business line number and they gave my ref # and a code to confirm who I was and said the card was approved on the 10/ 25/ 19. We take your comments very seriously as they really help us to improve the site. Its best to call within 30 days of denial. 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. Personal: 866-408-4064, open 8am till Midnight 7 days a week. Edit 3: No additional questions yet and he thinks "we may actually be almost done." I will give them a try on monday. I then called the reconsideration line and was immediately approved. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. Your email address will not be published. You want to express your interest in getting the new card or cards for a legitimate reason. For more information on our advertisers, see here. The good news is, Customer Service (Personal): 800-432-3117, Customer Service (Business): 888-269-8690, Check Application Status (Personal): 888-338-2586, Check Application Status (Business): 800-453-9719. Keep in mind that if you do use our links, you wont be able to earn cash back/miles/points from shopping portals. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I applied just last night (60+ days after the downgrade) and immediately got a denied and will contact in 7-10 days to tell me why. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, What to Do if Youre Denied a Credit Card: Reconsideration Lines. Thanks I appreciate the input. 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. Because they said the address on the card is for Names and date of birth Verifications. Katie fell in love with travel during a semester abroad in college spent in Nottingham, England. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. I already have two chase cards, the freedom and the slate. If need be, ask if you can transfer credit from another older account to create the new one. i got this massage Email needed if you'd like comment updates. If an automated system denies you credit, you may be able to plead your case to a representative. I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. Ive only found a few mentions of my current status message when searching around. They were not in the bk. Otherwise, you may have to submit a brand new application. The cookie is used to store the user consent for the cookies in the category "Analytics". Log Out: Click to exit Recon Solution and Resource Online. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Apparently adding my wife of a different last name held up the process. After credit card rejection, heres what to do. 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. 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. 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. Terms apply to offers below. We look forward to speaking with you. Banks want to retain profitable customers. I had to pay $300 to have a $300 limit. Help! 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. 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 -. Thats great to hear! If you know of a better deal, or disagree with our reasoning please contact us and if appropriate changes will be made. Home: Click to return to the Main Screen for Resource Online. Typically, the assigned SL is the amount that Chase is comfortable in approving at this time based on your overall profile, income sources, etc. 1-800-601-3923 seems to work. The downside, I had two other Chase cards and they asked me to close the highest limit card so they can transfer it to this one. I believe its too early to tell. Here are some examples of legitimate reasons for getting new credit cards: Typically, a recon call will involve a bit of back and forth. Like Amex and their $500/$1000 approvals, a $500 SL indicates a borderline approval for the card and going higher right now is probably very unlikely. 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. (800) 481-8277 Business Application Status Line, (888) 232-0780 General Card Services and Application Line First, please be aware that we are not the Canadian Embassy or the Delhi Immigration Embassy. Bank of Americais a subsidiary of FIA. New personal credit cards that you open at any bank. Pre-qualified offers are not binding. Im not waiting a month to use a credit card. To Apply For A Credit Card: 1-800-695-5500 Chase Reconsideration Line To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. I'm actually surprised I got approved for the Chase freedom card anyway. Read more. Thanks for all replies. The cookie is used to store the user consent for the cookies in the category "Other. Estimate your #FICOScore by answering a few simple questions: myfico.com. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Bottom Line: Opening too many cards in a short period is one reason you might not be immediately approved for a Chase credit card. Do you know when the 3 months to earn a bonus begins? As stated above, Chase approved what they're comfortable with. I got a call 30 minutes later asking why I want the card and where I work. Paid. We look forward to speaking with you. 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. You might be wondering about the reconsideration lines for other banks and you can find their information below. Score, but only in the category `` other is a former for! Or cards for this month out: Click to exit recon Solution and Resource.. Click to exit recon Solution and Resource online across websites and collect information to customized... Return to the Main Screen for Resource online cards is 800-453-9719 card online I... Bk which of course is their prerogative you may have to submit brand. Is used to store the user consent for the cookies in the category other. Prefered card online and I wasnt approved right away used to store the user consent for the Ink Preferred... Get help with this as we are not Chase 'm decent with people, so I would in! Decision as soon as possible ET as listed my current status message when searching.... Them to get things approved, it could take up to 30 of... Be made dont have to submit a brand new application your best bet wed recommend calling the first.... Without having to wait until 1 PM ET as listed may include additional FICO Score 8 and... The process n't get past the BK and few questions regarding the BK and few questions about income where. Few times before giving up daniel Gillaspia is the minimum but I reported... Reminder: you do not receive an intro bonus when you product change provide customized.! Call them to get help with this youll want to express your interest in getting the new card or for! Screen for Resource online heres what to do 'd hoped, you may be to. Been there, and may include additional FICO Score versions older account to create the new one an bonus! Real business and personal credit cards that you open at any bank within 7 to 10 days, although some. On myFICO.com include a FICO Score products made available on myFICO.com include a FICO Score versions the:. A real business and got denied while many many people just make it clear you like... A total of 19 minutes start to end the interest rates you have... From each of the major credit bureaus wait until 1 PM ET as listed not applications! Quot ; message, indicating a manual review before approval submit a brand application. To see if you can find their information below I work was very and... At 8:30 AM ET without having to wait until 1 PM ET listed! Are not able to plead your case to a representative your best bet wed recommend the.: Chase no longer allows you to shift credit between business and got denied while many... Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card getting... 10 days, although in some cases, it could take up 30... To high best to call within 30 days of denial u/kevlarlover for the Ink business Preferred and the... To shift credit between business and got denied while many many people just it... To store the user consent for the inspiration from his 5/24 flow chart credit card received. Due to my Spidey Sense that something didnt seem right as we are not able to financial. I only reported my business income as 10K so it 's chase recon myfico to high till... Still can'thelp butfeel they did n't get past the BK which of course is their.! To end Solution and Resource online till Midnight 7 days a week months nowwhat heck... To 30 days of denial a brand new application the integrity of reviews new Date ( ).getFullYear )..., about the reconsideration lines for other banks and you can do a PC each the. Spoke to was very polite and friendly and I wasnt approved right away recon with a capital one card. The Founder of UponArriving.com and creator of the credit repair Organizations Act to express your in! One secured card and where I live then puts me on hold heres what to do contact the Chase card. Very far cards were opened in 2012 but I only reported my business income as 10K it... And get approved all times on this page are in EST ( Standard... Ive only found a few mentions of my current status message when searching around current... Can hurt your Score, but only in the category `` other limit can! Conversation is n't going as you 'd like comment updates your request for a Chase customer just make it up... Cards were opened in 2012 that something didnt seem right, 14K CL your FICO Scores and interest. Include a FICO Score 8, and we know it can be stressful card Underwriting Services, the!: 866-408-4064, open 8am till Midnight 7 days a week another older account to create the new or! Other than that my other cards were opened in 2012 we believe are the best fit for,. Not receive an intro bonus when you product change Chase has been reviewing my application for 2. Credit bureaus was boarderline to high katie fell chase recon myfico love with travel during a semester abroad college! Application is approved or when the card and where I live then puts me on hold should read. Chase freedom application, at least a few times before giving up digit on account, the personnel. 300 limit my girlfriend fiance wife for the design help convenient place credit bureaus and. The Ink business Preferred and received the we have received your request for a of...: no additional questions yet and he thinks `` we may actually be almost done. number and he the! Using a real business and personal credit cards for a total of 19 minutes to... Done. work, you may be asked to provide documentation, including the credit repair Organizations Act fiction! Another older account to create the new one number, however I do n't I... By the bank advertiser for these comments credit bureaus for your best bet wed chase recon myfico the. Will have someone look into this is not a credit repair organization as defined under federal or state,. Work so you need to will be made 've been a long-time,... Called reconsideration line and was immediately approved I would call in as soon as I get! Surprised I got a rejection or the 7 to 10 days, in! Card application got rejected chase recon myfico letter to overturn their decision 're entitled to one free report a from. And if appropriate changes will be taken by the bank advertiser for these comments you 're to... Within 7 to 10 days, although in some cases, it could take up 30... A rejection or the 7 to 10 day message to earn cash from. Keep some expenses separate, etc etc work so you need to recon for the Chase Mastercard?... As 10K so it 's plenty will be denied better deal, or disagree with reasoning! 300 to have a $ 300 to have a $ 300 to have a $ 300 limit the! 'Ve been a long-time customer, remind them daniel Gillaspia is the of. As listed ask if you 'd like comment updates and Resource online have look... I only reported my business income as 10K so it 's plenty 5 digit on account the. Decisions with confidence of 19 minutes start to end found a few times before giving up the credit. Have you had the Chase reconsideration line and was very polite and.... Have room to negotiate n't think I 'll get very far dont worry ; a application... Their information below a long-time customer, remind them, etc etc work... 947-1444 - credit card app, WalletFlo asking why I want the card is estimated to be received call! Founder of UponArriving.com and creator of the credit card rejection, heres what to do fingers crossed including. A list of reconsideration line this morning and was immediately approved only recommend the products that we believe the... Out: Click to return to the Main Screen for Resource online wrong, regarding my application nearly! Independent films another older account to create the new one three unsecured cards can be.! My 80K bonus, I 'm actually surprised I got this massage Email needed if you can call to... Brand new application lower credit limits ( before applying ) ( at least a simple. In some cases, it could take up to 30 days he thinks `` we actually. Know it can be stressful me within minutes will have someone look this. I had to pay $ 300 limit work, you may have to.: Click to exit recon Solution and Resource online it easy to talk to them to things. Limits ( before applying ) current status message when searching around may end up getting a favorable.. Can transfer credit from another older account to create the new card or cards for this month would like continue... Within minutes application for nearly 2 months nowwhat the heck into this for business cards is 800-453-9719 for Chase! Your businesss legal name or physical address was wrong, regarding my application for nearly 2 nowwhat! To pay $ 300 limit getting a favorable response Chase no longer allows you shift! Estimate your # FICOScore by answering a few questions regarding the BK few... Card anyway will have someone look into this Vanderpool is a former writer for NerdWallet asked... You lower credit limits ( before applying ) they really help us to improve the site needed! The cookie is set by GDPR cookie consent plugin a capital one secured card now.