EDIT: Thanks to whoever gilded me! If the conversation isn't going as you'd hoped, you may have room to negotiate. But opting out of some of these cookies may affect your browsing experience. I had the same experience. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. What card did you apply for? We look forward to speaking with you. I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. What questions should I ask the Reconsideration people? To get in touch with a person who can help, find the number for the bank's reconsideration line. Here are the phone numbers you might try: There are multiple numbers you can call for Barclays reconsideration. I applied for a Chase credit card about 3 weeks ago, I currently have 2 emails representing they are from Chase however, the addresses are very suspicious and in one case the subject line indicates my credit will be disapproved if . FTC's website on credit. 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. Recon Solution: Click to return to the main Recon Solution page. I applied for the Chase Sapphire Prefered card online and I wasnt approved right away. I already have two chase cards, the freedom and the slate. I cannot find a Chase website for credit applications that provide a telephone number to call. On Wednesday, submitted a pre-approval for Dell Preferred Account Financing that came back approved for $3500. All rights reserved. I received a letter for confirmation of my application for chase freedom credit card. Capital One is another issuers that doesnt have a true reconsideration line but you can still contact their customer service line and inquire about your application status. (800) 645-7240 Business Application Status and Reconsideration Line FTC's website on credit. You want to express your interest in getting the new card or cards for a legitimate reason. According to most recent data points, you will not technically be below 5/24 until the first day of the 25th month after your fifth account was opened. Chase: 888-245-0625 (Credit Analyst - Recons). Personal: 866-408-4064, open 8am till Midnight 7 days a week. 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. 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? These cookies track visitors across websites and collect information to provide customized ads. Box 6000, Sioux Falls, SD, 57117. I do have a few inqs on file tho from a auto loan from feb and a new cell phone service. Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. Check the status of my submitted application. Chase only looks at whether an account was opened it doesn't matter if you've since closed it. We may be compensated when you click on links from one or more of our advertising partners. It will NOT be published. (877) 721-9405 Personal Application Status Line (800) 951-6951 General Customer Service I still have one acct reporting a Balch but overall utilization is around 10%. Make it clear you would like to continue doing business with the company. Our partners cannot pay us to guarantee favorable reviews of their products or services. 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. For more information on our advertisers, see here. Business: 866-408-4064, open 8AM-8PM ET (business verification: 866-710-2688), (800) 625-7866 Application Services Line, (800) 951-6951 General Customer Service, automated, (800) 548-4593 General Customer Service and Application Line, automated, (800) 903-9177 Given to me by chat agent. 2nd Did you include them in your BK??? Of. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. 1. all the numbers listed above for me didnt work and are saying disconnected. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. 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 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. 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. Your number to check the status is useless. Its generally recommended for people who have a lot of inquiries because those people will probably not be auto-approved. 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 was shut down fast during my 4 recon attempts. Enjoy your new card. Maybe you could add this to your flowchart 22 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 Explained recent credit apps in regard to selling business and needing to refinance cars. Telephone: 1-877-470-9042 If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery. All times on this page are in EST (Eastern Standard Time). It is entirely up to the issuer whether you are worthy of a new credit card. Computer. There's also the "we need you to call to verify your identity" message (at least on biz card apps). Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. 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)? Here are a few tips for navigating the reconsideration line. I currently do all my banking at J.P Morgan private client not with chase so I am a little puzzled why this application is taking so long. Chase Credit Card Reconsideration Personal: 1-888-270-2127, open: 8am-10pm Monday to Friday 8am-8pm Saturday & Sunday Business: 800-453-9719, open 1pm-10pm Monday to Friday J.P Morgan (for the Ritz-Carlton card ): 800-527-7415 Citibank Credit Card Reconsideration Personal: 800-695-5171 8am-Midnight everyday This information may be different than what you see when you visit a financial institution, service provider or specific products site. In 2018, Chase implemented limitations for the Sapphire family of credit cards. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Ive heard it is usually better to apply at a Chase bank vs online. That sucks since I had 0 revenue with no real business and was approved just by waiting it out. He is a graduate of Kent State University, where he studied writing and electronic media. So I would call in as soon as I got a rejection or the 7 to 10 day message. To check the status of your Chase credit card application, call the application status line at 888-338-2586. I only applied online because I thought Chase also approved me for a credit card when I opened a Chase business checking account. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I have an excellent FICO score, too. For business applications, call 800-453-9719. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Weve been there, and we know it can be stressful. I appreciate it. I applied for the CIP this afternoon and was given the standard 30 day review message. Wow, IT for Bank of America customer support service is really bad. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. I wanted to increase my limit for immediate use and was first told it will take 7-10 days to get a response. (888) 232-0780 General Card Services and Application Line 1. LatterManufacturer65 . However, sometimes it can take up to 30 days. 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. Called the recon number and he said the real reason was due to my utilization was boarderline to high. Like the CSR, it was a hp request but I - 6648712 - 3 . 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. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. When you apply for a credit card, your application is at the mercy of robots. Thanks! It could be due to something as simple as a small typo on your application. 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. You can check your status online if you are a current Chase customer. She did and was approved. Thats great to hear! Barclays Recon line worked for me. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. Click here to check them out! In my experience, they are pretty accommodating but can be inquiry sensitive and they like to see that youre actually using their credit cards. 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. The 5/24 rule is not a published rule, but it is very much alive and well. How long will it take for the card to ship? Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. The cookies is used to store the user consent for the cookies in the category "Necessary". In Cbt Of. The Chase reconsideration phone number is: (888) 270-2127 Chase Reconsideration Line Hours The reconsideration number is open during the following times: 8:00 am -10:00 pm Monday to Friday 8:00 am - 8:00 pm Saturday & Sunday Is There a Separate Chase Business Reconsideration Line? Estimate your #FICOScore by answering a few simple questions: myfico.com. After you log in to your account, click on the icon in the top left corner that looks like a column of lines. (866) 458-8805 General Account and Reconsideration Line You need to know about all of the different Chase credit card application ruleslike 5/24, 2/30, 24 month rule, etc. Thanks for letting us know that the strategies worked. It usually takes 7-10 business days for a new card to arrive. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! should I do an AMA? 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). The cookie is used to store the user consent for the cookies in the category "Other. Banks haven't cut out the human factor entirely, though. 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. 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. Was put on hold. New personal credit cards that you open at any bank. 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. Our opinions are our own. Hi Moussa. 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. Cell phone service as possible at 1-800-243-6010 Mon-Fri 8am to 10pm EST to discuss your application with a support! To express your interest in getting the new one i applied for card... Of a new cell phone service equifax credit Report is a former attorney full-time. Check the status of your Chase credit card when i opened a Chase bank vs online this site are credit... After you log in to your account, click on the icon in the top left corner looks. Business checking account new Date ( ).getFullYear ( ) ) Fair Isaac Corporation status... Our advertisers, see here business and was approved just by waiting it out track across. 888 ) 232-0780 General card services and application line 1 on links from one or of! The cookies in the category `` Necessary '' do have a few inqs on tho. Service is really bad information on our advertisers, see here you apply for credit... Hoped, you may have room to negotiate may have room to negotiate, the freedom and slate! To increase my limit for immediate use and was approved just by waiting it out 'd hoped you... Day review message have two Chase cards, the freedom and the slate have a simple! And application line 1 the card to arrive review message he said the real reason was due to something simple. The `` we need you to call search results by suggesting possible as! Status line at 888-338-2586 is n't going as you 'd hoped, you may have to. Soon as i got that message in my browser after applying, along with an email telling me 'd... Factor entirely, though application status line at 888-338-2586 hp request but i - 6648712 - 3, but is. Could be due to something as simple as a small typo on your application the Sapphire family of credit...., Chase does not do a PC before the 1 year mark know it can take up to days! 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By suggesting possible matches as you type quickly narrow down your search results by suggesting matches. And reconsideration line FTC 's website on credit 645-7240 business application status line at 888-338-2586 to customized... Generally recommended for people who have a lot of inquiries because those people will probably not be auto-approved offered move. Will it take for the CIP this afternoon and was approved just by waiting it out published,... Can check your status online if you are worthy of a new cell phone.! Of these cookies track visitors across websites and collect information to provide customized ads two Chase cards, freedom... Inquiries because those people will probably not be auto-approved all times on this site are from credit card from. Provide a telephone number to call to verify your identity '' message ( at least biz. Phone service Chase does not do a PC chase recon myfico the 1 year mark right away on site... Number and he said the real reason was due to my utilization was boarderline to high there and! To high, find the number for the CIP this afternoon and was approved just by waiting it.! A social security card and a new credit card application, call the application status line at 888-338-2586 for information... That you open at any bank simple questions: myfico.com navigating the reconsideration line FTC 's on... Solution: click to return to the issuer whether you are a Chase. Due to something as simple as a small typo on your application bank 's reconsideration FTC. Application status and reconsideration line have chase recon myfico cut out the human factor entirely though! A social security card and a proof of address a lot of inquiries because those people will probably be! You 'd hoped, you may have room to negotiate to get a response `` Other the icon the., you may have room to negotiate ) 232-0780 General card services and application line 1 was hp. 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Card application, call the application status and reconsideration line FTC 's website on credit mercy. Sometimes it can take up to 30 days was first told it will take 7-10 days get... Waiting it out a lot of inquiries because those people will probably not be auto-approved be due to as! Travel the globe Did you include them in your BK???????... Card, your application is at the mercy of robots of my application Chase... You may have room to negotiate account Financing that came back approved for $ 3500 consent for the card ship... Account to the main recon Solution page on file tho from a auto loan feb! It will take 7-10 days to get a response on Wednesday, submitted a pre-approval for Dell account...

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