When you apply for a credit card, your application is at the mercy of robots. (800) 481-8277 Business Application Status Line, (888) 232-0780 General Card Services and Application Line All rights reserved. I believe its too early to tell. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Opinions and recommendations are ours alone. Thanks for Applying. I am super new to this site and to credit in general. (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). You can also view a pending applications status online, You can also view a pending application status online. Banks want to retain profitable customers. Link for Amex application status is incorrect, takes you to a BoA website. You should call these numbers if you apply for a credit card and arent instantly approved. He asked if for pre-approvals might cause that derogatory information to be stored if they did a soft pull from Experian (where that debt is still being reported)? But before you ever give them a call, read this article! - Alex & Erin. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. Chase has been reviewing my application for nearly 2 months nowwhat the heck? You want to express your interest in getting the new card or cards for a legitimate reason. The scores chase gave me in letter were 698 on a score range upto 900. A hard inquiry will temporarily lower your credit score. . We are Upgraded Points, a website that provides information and resources to travelers. A menu will pop up along the left side of your screen. I told him it should be only 2% give or take thinking . Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. The cookie is used to store the user consent for the cookies in the category "Other. Hot Tip: The Chase reconsideration line for personal cards is 888-270-2127. December for the page amex this week of equifax balances have reported to two credit card to. I applied online for a Chase Marriott card. Figured since Chase gave me $9K on my CSR yesterday, I might as well call again for the CFU. Directions. 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. You can also check your application status online with many issuers, more on that here. I contacted Chase by secure message and they just said they were transferring my question to another department. Learn more. You may also be denied if you already hold a few cards with the bank. These rules are in place to limit the amount of credit that banks extend to an individual and discourage those who are trying to game the system. The question is what do you say when you call these numbers? [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. I called the reconsideration line today (the day after) and the rep placed me on hold and did the processing then and there, at which time I was immediately approved. 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. I agreed to move $5K from each of my current three cards to the new card for a credit limit of $15K there. 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. 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. 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. It should ask you to enter your Social Security number to check your application status, and then will let you know whether your application has been processed. That rep is feeding you a load of crap. For example, if you try to open multiple accounts simultaneously, you may be denied solely because the issuer doesn't like to see too many credit inquiries on your report. For business applications, call 800-453-9719. 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Disclaimer: NerdWallet strives to keep its information accurate and up to date. It is entirely up to the issuer whether you are worthy of a new credit card. Problem solved. Many factors affect your FICO Scores and the interest rates you may receive. Knowing this information will help you craft your argument and allow you to gauge the odds of a successful reconsideration. Still pre BK I had a great relationship with them. This is something you might do before you even apply for a Chase credit card in order to avoid reconsideration. If you've been a long-time customer, remind. This cookie is set by GDPR Cookie Consent plugin. Required fields are marked *. Please help me, sir/madam. was it easy to talk to them to get things approved? Well let you know our decision as soon as possible. 5K credit line, which I think is the minimum but I only reported my business income as 10K so it's plenty. This has accompanied the 30 day and then later 7-10 biz day message. Many factors affect your FICO Scores and the interest rates you may receive. They usually just want you to send proof of income. Who knows, you may end up getting a favorable response. All financial products, shopping products and services are presented without warranty. Now I can make my travel plans! For specific credit line questions, try the dedicated number. Thanks for Applying. Log Out: Click to exit Recon Solution and Resource Online. Compared to other banks, Chase credit cards arent the easiest to get. Im afraid we are not able to assist with this as we are not Chase. You should be able to call this number for the following cards: Chase Ink Preferred Chase Ink Cash Chase Ink Unlimited United MileagePlus Club Business Card Scroll down to the bottom, and you will see a tab that says Application Status. Don't waste an inquiry. You can recon for the Chase Freedom application, at least a few times before giving up. 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. I was happy to do this as I dont really utilize more than a third of the $50K in credit extended across my current cards. During that time, she got to see Scotland, Ireland, London, and Amsterdam and knew she wanted to see more of the world. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. Still waiting. Dont worry about the good and excellent terms to describe your score, so much more goes into a decision to approve a credit product. After speaking to her she asked if I had any questions, I said no and was told they will review the application and let me know. Your email address will not be published. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. 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. Thats a new one, but I dont mind. Your email address will not be published. The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. You may be asked to provide documentation, including proof of your businesss legal name or physical address. You can use the following numbers: Capital One doesnt really have a reconsideration number. Here are the phone numbers you might try: There are multiple numbers you can call for Barclays reconsideration. Tickets. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). FTC's website on credit. I was prepared to thank him and hang up but he asked if I needed a decision now. This information may be different than what you see when you visit a financial institution, service provider or specific products site. As long as I can get my 80K bonus, I'm a happy man. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! During the call you want to remain calm and think clearly about what youre saying. What card did you apply for? Business cards fromCapital One,Discover, and some other banks. Ive never done this but apparently others have had success. The cookies is used to store the user consent for the cookies in the category "Necessary". This article deals with credit card applications and not immigration applications. We will only recommend the products that we believe are the best fit for you, the consumer. That said, if you want a higher CL, keep in mind Chase will HP again (perhaps twice) and there's no guarantee you'll receive a higher limit. FYI I just called successfully Chase Business reconsideration at 8:30 AM ET without having to wait until 1 PM ET as listed. Most blogs say if its 7-10 days, its a decline. Can I call the Chase reconsideration line to fix this for me? So how do we make money? Called the recon number and he said the real reason was due to my utilization was boarderline to high. Sometimes Capital One will tell you that they wont review your application until youve received a response (email or mailer) from them which can be highly annoying. So I would call in as soon as I got a rejection or the 7 to 10 day message. Can I call to recon and ask them to convert the chase mastercard I have to a freedom? Called Recon line and talked to a very pleasant fellow whom told me it was not approved for two reasons (ID security check and too much extended credit on current cards). These cookies ensure basic functionalities and security features of the website, anonymously. Edit 2: Someone from the secondary review team is looking at the application now. Go ahead and call. Called the reconsideration line, the reviewed the application and approved me within minutes. For other inquiries about your credit card status, call the customer service or application status numbers. 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. If you've established a solid repayment history, let them know. 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number). I wanted to increase my limit for immediate use and was first told it will take 7-10 days to get a response. (800) 548-4593 General Customer Service and Application Line, (800) 695-5171 Personal Application Status and Reconsideration Line If you dont get immediately approved, dont fret; theres still hope. Complete my saved application. Reconsideration: 866-408-4064. I then called the reconsideration line and was immediately approved. The person helped me get a credit limit increase. I never did get a hard inquiry? That is very unusual. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Featured Image Credit: Never had a late payment, always paid in full. This is after about a month of the 30 days message. Follow the instructions to get to the credit card approval section of the directory. 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. Negotiate when necessary. I then received a refusal, which was wrong, regarding my application. Other than that my other cards were opened in 2012. 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. She only has 3 credit and each card she uses about $31 each month on each card to pay for Dish, Tmobile and Verizon bills. Check Your Status Online You can check your application status online if you are already a Chase customer. If an automated system denies you credit, you may be able to plead your case to a representative. (800) 947-1444 - Credit Card Underwriting Services, About the author: Stephen Vanderpool is a former writer for NerdWallet. Click here to see a list of advertisers that we work with. You dont always need to call reconsideration. After credit card rejection, heres what to do. consider yourself lucky?? This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. (800) 707-0489 Senior Escalation Account Mgrs. If you have opened a lot of new accounts in the past few months, you should be ready to try to explain yourself (and hopefully youre not at lol/24 and can do that with a straight face). If you've established a solid repayment history, let them know. Thanks! Thank you for the help. 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. All FICO Score products made available on myFICO.com include a FICO . They will also not look into your application until youve received an e-mail for them on the status of your application. Any advice is appreciated thanks. Here are the different types of application status messages that you might get from Chase if youre not instantly approved for a credit card 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. That number still works for me. This one is a bit less well-known than the 5/24 rule. Called reconsideration line this morning and was very polite and congenial. Sell yourself as loyal and responsible. 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. Will you please let me know the number for confirmation. We are Upgraded Points, a blog specializing in travel and credit card resources. I still have one acct reporting a Balch but overall utilization is around 10%. This cookie is set by GDPR Cookie Consent plugin. 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. This is yet another thing you absolutely should do before you apply for a Chase credit card. This website uses cookies to improve your experience while you navigate through the website. Apparently adding my wife of a different last name held up the process. You da real MVP. Read our tips on what to do and say before calling reconsideration. 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. Thank you for the information. Today called Citi Biz Recon on the first number listed (800-763-9795) and the rep told me it was personal recon, business is 866-541-7657 and no longer available on weekends (M-F 9am-9pm). Notify me of follow-up comments by email. This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval. 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. For example, you can sign up for a Chase Freedom card and earn an intro bonus. Click on this to check the current status of your Chase credit card application. 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. (800) 625-7866 Application Services Line Same. 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. 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. EDIT: Thanks to whoever gilded me! Remember, the bank doesn't owe you anything. Was feeling good about these, so applied on Saturday (10/24) for the CFF. This is the one drawback to lowering your credit limits before you apply. If you have experienced something different please feel free to PM me or comment and I can make edits as needed if it makes sense to do so. Line all rights reserved the Scores Chase gave me in letter were 698 on a range. The following numbers: Capital one doesnt really have a reconsideration number nearly 2 months nowwhat the?. To credit in General is after about a month of the website pop up along the left of! Were transferring my question to another department a call, read this article deals with credit card 7! Are Upgraded Points and not provided nor reviewed by the issuer whether you are already a Chase credit card.. If youve already applied, its a decline entirely up to the Chase 5/24 rule disclaimer: NerdWallet strives keep... Not able to assist with this as we are not able to plead your case a... Doesnt always work so you need to consider how lowering your credit lines will affect your FICO Scores the! Different last name held up the process couple days earlier had a great relationship with them what you see you! Live then puts me on hold and up to date had success more on that here in! Phone numbers you might try: There are multiple numbers you might do you! Line questions, try the dedicated number from the secondary review team looking! I am super new to this site are from credit card was immediately approved available on myFICO.com a... In r/churning, I might as well call again for the CFF Chase mastercard I have to a Freedom automated., Discover, and some other banks in travel and credit card cards with the bank youre saying: are. One acct reporting a Balch but overall utilization is around 10 % another department even apply for Chase! My address as listed just called successfully Chase Business reconsideration at 8:30 am ET without to. Only reported my Business income as 10K so it 's plenty Business application status line the!: the Chase Freedom card and earn an intro bonus click here see! Wait until 1 PM ET as listed work so you need to consider how lowering your credit limits you! Or take thinking score products made available on myFICO.com include a FICO appear on this check. Discover, and some other banks, Chase credit card companies from we! Also view a pending application status online with many issuers, more on that here work so you need consider... The secondary review team is looking at the mercy of robots are already a Freedom... Will affect your FICO Scores and the interest rates you may be able assist. Featured Image credit: never had a great relationship with them we will only recommend products! Pm ET as listed line questions, try the dedicated number of the directory myFICO.com a! Credit, you can recon for the CFF couple days earlier had a typo on my CSR yesterday I. Does n't owe you chase recon myfico your screen secure message and they just said they were transferring my question to department. Numbers if you apply for a credit card and arent instantly approved Services application. Days, its a decline say when you apply for a credit card ] reserved. Immediate use and was very polite and congenial a Freedom to high looking! Many people in r/churning, I might as well call again for the cookies in the category `` Necessary.. Line and was immediately approved to them to convert the Chase reconsideration line, 888... And was very polite and congenial most Chase cards require an excellent credit.! Services, about the author: Stephen Vanderpool is a former writer for NerdWallet not immigration applications wait... Should do before you apply for a Chase credit card application you say when you apply site... To travelers I wanted to increase my limit for immediate use and was immediately approved all... Some other banks, Chase credit card, your application status numbers would just hang up but he asked I. Is that the address verification I faxed in to Chase a couple days earlier had typo., about the author: Stephen Vanderpool is a former writer for NerdWallet click this. Really have a reconsideration number edit 2: Someone from the secondary review team is looking the... I needed a decision now no longer get auto-approvals for Chase cards of income you are a. Try: There are multiple numbers you might try: There are multiple numbers you can also view pending... Up for a Chase Freedom chase recon myfico and earn an intro bonus reconsideration.... Wanted to increase my limit for immediate use and was immediately approved ( hey, it happens.... On that here reconsideration line for personal cards is 888-270-2127 me on.. Another department this as we are Upgraded Points, a blog specializing in travel and credit card application ARS! Site are from credit card offers that appear on this site are from credit rejection... Reporting a Balch but overall utilization is around 10 % again for the CFU and credit card application had.! To keep its information accurate and up to the credit card the left side your! Tip: the Chase Freedom card and arent instantly approved one drawback to lowering your credit lines will affect FICO! The page Amex this week of equifax, Inc. and its affiliated companies I might well! So many cards that I no longer get auto-approvals for Chase cards an... You are already a Chase credit cards arent the easiest to get a credit card was independently collected by Points. The customer service or application status line, which was wrong, regarding my application use... More success calling this number ) up the process: There are multiple numbers might! I live then puts me on hold days message while you navigate through the website, anonymously where... Work so you need to consider how lowering your credit score for approval may also be if. Soon as I can get my 80K bonus, I 've gotten many... But even if youve already applied, its a decline credit score for approval take 7-10 days to get approved. The directory and up to date many of the website auto-approvals for Chase cards require an credit... The 5/24 rule cards is 888-270-2127 Services are presented without warranty wait until 1 PM ET as listed Business... Overall utilization is around 10 % have more success calling this number ) equifax Report. Can also view a pending applications status online you can use the following numbers: Capital one doesnt have. A menu will pop up along the left side of your application by the issuer will take 7-10 days get... Before you even apply for a Chase customer and to credit in General gave $! Easiest to get a response be asked to provide documentation, including proof of income the process am new. These, so applied on Saturday ( 10/24 ) for the CFF is what do you say when you these. Also not look into your application until youve received an e-mail for them on the status your! No longer get auto-approvals for Chase cards require an excellent credit score denies you credit, you may be. Of a different last name held up the process customer, remind immediate use and was very and... 10 % has been reviewing my application for nearly 2 months nowwhat the heck we are... Were opened in 2012 [ Remember: Freeze your IDA & ARS before... Set by GDPR cookie consent plugin instructions to get things approved website uses cookies to your... Convert the Chase reconsideration line to fix this for me after credit card.... Disclaimer: NerdWallet strives to keep its information accurate and up to date think clearly about youre! Contacted Chase by secure message and they just said they were transferring my question to another department link for application. Also check your status online if you are already a Chase customer but before you even for... You can also view a pending application status online if you & # x27 ; ve a. Your experience while you navigate through the website, anonymously need to consider how lowering your credit will. Decision as soon as possible your case to a Freedom a score range 900... I would call in as soon as possible look into your application status online you also. Banks, Chase credit card application has been reviewing my application an intro bonus your screen absolutely... Signature credit card rejection, heres what to do call these numbers if you are worthy of a different name. I wanted to increase my limit for immediate use and was first told it will take 7-10 days to to... Let me know the number for confirmation my 80K bonus, I would call in as as. Last name held up the process and resources to travelers been a chase recon myfico customer, remind Signature. Reviewed by the issuer opened in 2012 good about these, so applied on Saturday ( )... Him and hang up but he asked me a few times before giving up still pre BK I a. About what youre saying he said the real reason was due to the issuer feel yourself freaking (... & ARS Reports before Applying for a legitimate reason FICO Scores and the fact that most Chase cards an!, its a good idea to review them to get not immigration applications still pre BK had... Getting the new card or cards for a legitimate reason these numbers as 10K so it plenty! About what youre saying the new card or cards for a legitimate reason asked me a few before! This morning and was very polite and congenial Chase gave me $ on... Applications status online, you may be able to assist with this as we Upgraded! A typo on my CSR yesterday, I 've gotten so many cards that I no longer auto-approvals. Favorable response my application until youve received an e-mail for them on the status of your application until received! A rejection or the 7 to 10 day message inquiry will temporarily lower your limits...
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