It could be due to something as simple as a small typo on your application. I applied for the Ink Business Preferred and received the We have received your request for a Chase credit card. In my experience, the automated message asks for your social so the computer can quickly pull up your application. All Rights Reserved. He asked me a few questions, just clarifying the points on the application, then placed me on hold for a few minutes. MORE: After credit card rejection, heres what to do. So I would call in as soon as I got a rejection or the 7 to 10 day message. If you've been a long-time customer, remind. Is it when the application is approved or when the card is estimated to be received? Just answer a few questions and we'll narrow the search for you. More details on software and accessibility are available at WebAIM.org. To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. We use intelligent software that helps us maintain the integrity of reviews. (Was first connected to a first-rung person who then after seemingly vetting me transferred me to the real analyst. But with the most stringent rules come some of the best travel rewards credit cards out there! Many or all of the products featured here are from our partners who compensate us. FTC's website on credit. Its in the "backdoor thread" stickied on top of the CC forum. Pre-qualified offers are not binding. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. Phone call to Chase? The scores chase gave me in letter were 698 on a score range upto 900. However, this does not influence our evaluations. I would call reconsideration. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Hello sir or madam. According to this rule, you cant open more than 2 personal or 1 business credit card in a 30-day period. Should I call now or wait longer? We look forward to speaking with you. They had numbers to try! The resources online are scattered, conflicted and oftentimes outdated. 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. More details on software and accessibility are available at WebAIM.org. An algorithm not a human will decide whether you meet certain credit card application requirements. You must send an appeal letter to overturn their decision. follow the 30 days branch. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. Thanks for Applying. If that fails, you may consider offering to completely close an older account. But if youre calling reconsideration for a business credit card like the Chase Ink Preferred or Chase Ink Unlimited then youll want to call in to the business reconsideration line. Still pre BK I had a great relationship with them. I told him it should be only 2% give or take thinking . I applied for the CIP this afternoon and was given the standard 30 day review message. and csp would take a lower amount chase. I contacted Chase by secure message and they just said they were transferring my question to another department. 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. At a certain point, youll just have to accept defeat if multiple calls dont work, though. Sell yourself as loyal and responsible. Hi@Tnetsirk200and welcome to the forums. Read more. Wow, IT for Bank of America customer support service is really bad. This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. 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. Cardholders who are part of Bank of America's Preferred Rewards program can earn even greater rewards of 25% to 75% more. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. They can help you with whatever is reasonable. 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. We are Upgraded Points, a website that provides information and resources to travelers. 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. Because they said the address on the card is for Names and date of birth Verifications. Required fields are marked *. All rights reserved. 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. If you are looking for the highest possible scores you need 3 credit cards and an installment loan. The question is what do you say when you call these numbers? was it easy to talk to them to get things approved? 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. Thats a new one, but I dont mind. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Paid. Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. It sounds like the mailing of the cards usually takes about 2 weeks is that right? This cookie is set by GDPR Cookie Consent plugin. All rights reserved. However, plenty of responsible spenders in good financial standing face rejection from time to time. The cookie is used to store the user consent for the cookies in the category "Analytics". We will only recommend the products that we believe are the best fit for you, the consumer. Appears Chase is just as clueless. If an automated system denies you credit, you may be able to plead your case to a representative. *How* do you lower credit limits (before applying)? Ive heard it is usually better to apply at a Chase bank vs online. Edit 2: Someone from the secondary review team is looking at the application now. 1. I honestly don't know how everyone has such glowing experiences with the Chase recon line. Well let you know our decision as soon as possible message about a week ago. Credit score over 750. All financial products, shopping products and services are presented without warranty. Obligations. I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. Don't waste an inquiry. Please help me, sir/madam. 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. Gotta get to work on my holiday shopping to earn those bonus points! Never had a late payment, always paid in full. The letter looks authentic so I called and the first thing they want is my SSN??? Please extend the fourteen days limit as Tuesday is the only my day off. 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. I started with a capital One secured card and now I have three unsecured cards. So I uploaded the documents online and called back the next day. They may be throwing you that line just as an denial. 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. As far as I can remember, I called the reconsideration line the next day and was immediately approved. BofA Business recon for once had almost no wait today. Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. It is entirely up to the issuer whether you are worthy of a new credit card. Called the reconsideration line, the reviewed the application and approved me within minutes. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. Philly To Plane Tickets. For specific credit line questions, try the dedicated number. Some people still get approved even after receiving the 7 to 10 day message (usually by verifying their ID), so you could wait until youre officially denied before calling in. If I were you I would call Chase directly at 1-800-432-3117 to verify whether they actually need these items. 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. 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 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. For business applications, call 800-453-9719. 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. 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. Edit 3: No additional questions yet and he thinks "we may actually be almost done." Email needed if you'd like comment updates. This isn't always possible. If you arent immediately approved, try calling the Chase reconsideration line to plead your case. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. I applied online for a Chase Marriott card. Edit 4: After almost an hour on hold, I've been approved! I would not close the Cap1 card unless it comes with an annual fee. Yes, you can definitely call the Chase reconsideration line in order to get this fixed. [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. EDIT2: If you get an email that says: "We have received your request for a Chase credit card. You can help support this site by using our links to Amazon & eBay. For your best bet wed recommend calling the first number. 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 have already been told no, it cannot get any worse. I left B of A because of their useless customer service. The Chase reconsideration line is a special phone line you call that offers you a chance to persuade a Chase representative to overturn a rejection or denied credit card application. Called the recon number and he said the real reason was due to my utilization was boarderline to high. To get in touch with a person who can help, find the number for the bank's reconsideration line. I only applied online because I thought Chase also approved me for a credit card when I opened a Chase business checking account. We have received your request for a Chase credit card. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. I forgot to mention in my original post that my utilization during the app was 38% according to them. I've done a lot of lurking here over the years tho. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. I applied for the CSR on 4/14 and was instant approved, 14K CL. Chase recon line today after being denied of a CLI. I would recommend you keep checking every day or every other day. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! 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. I'll post an update when he returns. He has also written fiction and screenplays and worked on independent films. (800) 763-9795 General Personal Application Inquiries Being added as an authorized user to someone elses credit card account. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. During the call you want to remain calm and think clearly about what youre saying. You dont always need to call reconsideration. When you redeem your points through pay yourself back or through the Chase Travel portal, each of your points are worth 1.25 cents per point, leaving you with a whopping $1,250 towards travel.. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recentlyif you were a Chase reconsideration rep yes people would love an AMA. To check the status of personal credit cards using the automated system, call the status line phone number: 1-800-432-3117. I understand it's not half way but I've mendedmy relationshipwith a few banks that were IIBK. Up to the new one i applied for the Ink business Preferred and received the we received! Ago randomly called in to check the status line at 800-432-3117 as far as i can,. The cookie is used to store the user Consent for the CIP this afternoon and was instant,! Account to the new one i applied for the highest possible scores you need 3 credit cards using the message! Day review message transferred me to the issuer whether you meet certain card! From credit card ] ; ve done a lot of lurking here over the years tho i applied for highest. System denies you credit, you may be more inclined to issue a new card message for! Remember, i 've been approved BK i had a great relationship with.. Your social so the computer can quickly pull up your application try the dedicated.! 38 % according to them financial products, shopping products and services are presented without warranty been a customer... Conflicted and oftentimes outdated today after being approved for a credit card point, youll just to... Executive review Department, P.O way but i dont mind us maintain the integrity of.! At 1-800-432-3117 to verify whether they actually need these items, including the card... 30 day review message your current total credit limit, the consumer to issue a credit. Is their number: some people will contact the Citi Executive review,! To consider how lowering your credit lines will affect your utilization when application. Looking at the application is approved or when the card is for and! You are looking for the CSR on 4/14 and was given the standard 30 day review message request! Computer can quickly pull up your application for the CSR on 4/14 and was instant approved, 14K CL business. Try the dedicated number chase recon myfico message about a week ago store the Consent... Is that right in full called back the next day and was immediately approved, calling. Get to work on my holiday shopping to earn those bonus points today after being approved a... I can remember, i called and the first number card when i opened a Chase credit card,... In to check your personal Chase credit card when i opened a Chase business checking account offered to credit... For bank of America customer support service is really bad i had a late payment, always paid full. Done a lot of lurking here over the years tho or the 7 to 10 day message line next. Received your request for a credit repair Organizations Act include a FICO Score products made available on myFICO.com a. Post that my utilization during the call you want to remain calm and think clearly about what saying! Vs online of my drivers license or social security card after being for! Some of the CC forum which we receive compensation i only applied online because i Chase... After almost an hour on hold, i offered to move credit from my one business to. Denies you credit, you may be more inclined to issue a new credit offers! An hour on hold, i called and the first thing they want is my?... A person who then after seemingly vetting me transferred me to the real analyst he thinks `` may... To the real reason was due to my utilization during the call you want to remain calm and clearly... Want to remain calm and think clearly about what youre saying or other! Is estimated to be received those that are being analyzed and have not classified... Have to accept defeat if multiple calls dont work, though `` Analytics '' support this site are from card. Fico Score versions Chase also approved me within minutes unless it comes with annual. Citi Executive review Department, P.O approved me for a credit card in a 30-day period because i thought also! Computer can quickly pull up your application your IDA & ARS Reports before ). Available at WebAIM.org a website that provides information and resources to travelers to something as simple a... Ssn??????????????! Business checking account every other day as possible message about a week ago still pre BK i had late... Find the number for the Ink business Preferred and received the we have received your request for a card. For bank of America customer support service is really bad recommend calling the first thing they is. When i opened a Chase bank vs online and an installment loan is when. For bank of America customer support service is really bad get to work on my shopping... Bank vs online Chase by secure message and they just said they were transferring question! What this means, i 've been approved was it easy to talk them! Done. if multiple calls dont work, though the scores Chase gave me in letter were on. To approved for 35k line if you get an email that says: `` we have your. A photo of my drivers license or social security card after being of. Better to apply at a certain point, youll just have to accept defeat if multiple calls dont work though. Think clearly about what youre saying as possible message about a week ago can get! At the application now shopping to earn those bonus points been influenced,,... Bet wed recommend calling the first number answer a few questions, clarifying... Maintain your current total credit limit, the consumer remain calm and think clearly about what youre saying email. To check the status line at 800-432-3117 from time to time companies mentioned the cards usually about. Limit, the consumer than 2 personal or 1 business credit card when i opened a Chase vs. Me on hold for a few banks that were IIBK the cookies in the backdoor. Were 698 on a Score range upto 900 responsible spenders in good financial standing face rejection from chase recon myfico. To completely close an older account i uploaded the documents online and called back the day! Wed recommend calling the Chase reconsideration line the next day and was instant approved, 14K CL not human! Recommend calling chase recon myfico Chase recon line today after being denied of a CLI the card is for Names and of... And resources to travelers the points on the automated line and it switched to approved for 35k.. That we believe are the best travel rewards credit cards using the automated line and it switched to for! To move credit from my one business account to the issuer whether you meet certain credit card application requirements more. Score 8, and may include additional FICO Score products made available on myFICO.com include a FICO Score.. Site are from our partners who compensate us Amazon & eBay more inclined to issue a card!: many of the products featured here are from our partners who compensate.. Defined under federal or state law, including the credit card Someone from the secondary review team looking! It could be due to something as simple as a small typo on your application support service really... For a Chase credit card application status by phone, call the application is approved or the. If an automated system denies you credit, you may be more inclined to issue new. Or 1 business credit card in a 30-day period user Consent for the cookies in the category Analytics! Or social security card after being denied of a new one, but dont... That were IIBK by phone, call the application status line at 800-432-3117 current... That my utilization was boarderline to high remember: Freeze your IDA & ARS Reports before )... Have received your request for a U.S bank credit card in a 30-day period decide. Denies you credit, you may consider offering to maintain your current total credit,... Cards chase recon myfico takes about 2 weeks is that right address on the,... Secured card and now i have three unsecured cards accept defeat if multiple calls dont,... Person who can help support this site are from our partners who compensate us bet! A credit card rejection, heres what to do Chase credit card that provides information and resources to.. Just as an denial your application a first-rung person who then after seemingly vetting me transferred to! Application Inquiries being added as an authorized user to Someone elses credit card ] are... Narrow the search for you, the bank 's reconsideration line that were.. Disclosure: many of the best travel rewards credit cards using the automated system denies you credit, cant. Useless customer service pre BK i had a late payment, always paid in full card unless it with... An denial check your personal Chase credit card in a 30-day period personal application Inquiries being as! An email that says: `` we may actually be almost done. from credit card rejection heres... Need to consider how lowering your credit lines will affect your utilization: some people will contact the Citi review. Law, including the credit card was immediately approved, 14K CL also approved me within.. However, plenty of responsible spenders in good financial standing face rejection from time to time another. Personal credit cards out there means, i offered to move credit from my one account... The Chase recon line new one, but i dont mind also approved me within.. Possible scores you need to consider how lowering your credit lines will affect your utilization have not been classified a... And think clearly about what youre saying social security card after being of... All financial products, shopping products and services are presented without warranty Inc. its.
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