Either get a card from another bank, consider one of the cards on the above list or just hold off until you are clear of the 5/24 situation. I forgot to update my income in my chase account so she said that was why it was pending. It’s helpful to know those answers ahead of time. They asked me some questions like what would I use the card for? These are some of the steps you can take to be ready to make the call. Credit card reconsideration lines can help you negotiate for the credit card you want, even after you were denied. This was my first time calling a reconsideration line, and I'm not really sure what do do next. Clyn6 #873594. Did you call Chase Reconsideration phone number? I prefer early in your Chase history. Any suggestions? Once you make the call, they're going to give you a message. It is a very low credit limit ($500), however hopefully I can raise that in about 6 months I was hoping for a higher CL, but I am just happy to be approved Doctor of Credit has an article suggesting you can get the bonus multiple times with multiple EINs. For other inquiries about your credit card status, call the customer service or application status numbers. The next day I called the reconsideration line to ask if they could take a second look my application. Chase Reconsideration Line. But you can often argue this point via the reconsideration line to get approved. Vote Up 0 Vote Down Reply. During one of my recent mini-app-o-ramas I didn't want to deal with all the potential questions. I had two credit cards that I put a few recurring purchases on each month and pay off the balance monthly, but wasn't getting any cash back or points on. Seems simple enough but there are so many different messages and factors that go into Chase approvals. There might be a few reasons why you were denied a credit card. We can help you find the credit card that matches your lifestyle. If Chase rejects your applications, you can call the reconsideration line. Sometimes a credit card application gets rejected or put into a pending review status because the information in the application cannot be verified. Re: Chase reconsideration line (my first time) I just called the automated system and I have been approved!! At the very least, each rejection teaches me something new about the specific card/issuer, or the state of travel rewards as a whole. I googled Chase’s reconsideration number (found on Doctor of Credit) and called them up. Mortgages. For example, I once had a successful reconsideration of a Chase credit card, but was asked about recently opened accounts. Check out 609 Credit repair https://609creditrepair.com/ where we have credit repair letters that work and help you dispute items on your credit report! I insisted that I did not want/need any more available credit and that I was more than happy to move available credit from 1 or more existing Chase personal credit cards. Vote Up 0 Vote Down Reply. If your credit card approval is pending with Chase and you want to learn more immediately, you can contact customer support to inquire about the details surrounding the decision. Learn how this strategy works in our comprehensive guide. Oftentimes, I’ve been able to get a rejection overturned by calling the reconsideration line, but it doesn’t always work. Chase Credit Card Reconsideration. What to do if you’re denied a credit card. You have been warned… Good evening everyone. Scroll all the way down to the bottom, and you will see a tab that says Application Status. Chase Reconsideration Line. Calling a reconsideration line after a credit card denial can give you another chance at approval. Image Credit: Chase. Customer … It is better for you to lead the credit card reconsideration call than to let the representative lead the call. I've heard that the 30 day notice from Chase isn't a good thing, but I really want to turn this "no" into a yes. I wasn’t present for the call, but she told me the agent was very clear: “You’re score is fine, you have a perfect credit history, but it just isn’t long enough. To contact a representative for reconsideration of a Chase credit card application, you can use the reconsideration line. I applied for a Chase credit card with only one credit card opened by me within 2 years and 5 credit cards opened by my husband where he added me as an authorized user (he adds me to every one of them) and I was denied. Phone. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. Reconsideration won’t overturn a denial due to Chase’s 5/24 rule (unless, as mentioned above, you aren’t really over 5/24 because your credit report hasn’t updated yet). Chase Reconsideration Line. January 12, … This is the lowest approval score per a BRM. December 24, 2019, 12:01 12:01 pm. If you’ve been declined after applying for a Chase credit card, depending on the reason, there may be hope! Called Reconsideration Line at 18882702127 at 7am and the Chase rep asked me to verify my income because in my chase account I listed my income at $116k and when I applied I listed it as $120k. 1-888-245-0625 (reconsideration line for personal cards, open 7 days) 1-800-453-9719 (reconsideration line for business cards, only open M-F) Citibank Credit Card Reconsideration. I thought I'd pay it forward by providing some data points and details on my recent experiences and "success" in the credit world. My research led me to decide on trying for a Chase duo, the Freedom Unlimited Card and the Sapphire Preferred/Reserve - most of my monthly spend is on dining and I travel a decent amount. I have never had any sort of loan or line of credit and basically don't exist for the purposes of a FICO score. Chase “5/24 Rule” – For Chase credit cards, there's a 5/24 Rule. Reconsideration (Personal): 888-270-2127; Reconsideration (Business): 800-453-9719; To check the status of your Chase credit card application, you can call the general customer service number or dedicated application status line. Choose from our Chase credit cards to help you buy what you need. When should I apply? Hi all, I just applied for a Chase Freedom card and am now regretting the decision, as I don't think I will be approved due to my lack of credit history. - I realize I messed up with my applications, and I'm now not sure what the best course of action is from here. As part of your reconsideration request, you might need to verify your current address and identity or provide documentation about your income. However, if the message says two weeks, this typically means you're approved. I just waited, and waited, and waited. Warning: if you are just starting out with rewards-earning credit cards, please do not apply for several credit cards at the same time. To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. h/t Doctor of Credit for the most updated list of recon numbers. I prefer it as your first Chase card, if you have credit history and a score of 680+. Reconsideration (Personal): 888-270-2127 Success Chase Reconsideration (and lessons learned from a novice) Hello, world! I told them that I wanted the card because I heard Chase credit cards are great and that in the future I want to get the Sapphire Preferred. How Credit Card Application and Reconsideration Lines Work. A menu will pop up along the left side of your screen. my bg: credit score 690 , average credit history is around 5 years, no items in collections. Last month, I wrote July 2015: My 8 Credit Card App-O-Rama Game Plan and I shared my plans/reasoning for applying for the below 8 credit cards. Chase Reconsideration by Secure Message does work! My recommendation specifically for Chase business credit cards and charge cards is to NOT call the reconsideration line (800-453-9719). Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. The resources online are scattered, conflicted and oftentimes outdated. I'm new to the forum, but I've already benefitted a lot from the posts and information here. In this article, we’ll list a few things to do after receiving a denial, as well as reconsideration lines for a few major card providers. Called the recon line and spoke to someone who told me they declined it because I had too many new credit cards (referred to in online forums as the 5/24 rule). Before you call, here are cases where a call will NOT WORK: (know this before you apply next time!) To check an application on a Chase personal credit card, call the cardmember services application status line at 800-338-2586. Chase Freedom card - reconsideration? You are responsible for your credit history and credit scores. I found this one very interesting. Calling The Chase Reconsideration Line. Why do I want the card? 1 week later, I was surprised to receive an email from Chase congratulating me on my new Chase business credit card. If you have opened five or more credit cards in the last 2 years and you are applied for a Chase card that is not on the above list, such as the Chase Sapphire Preferred Reserve card, don't bother calling the reconsideration line, you will not be approved. Reconsideration line phone number: 888-270-2127 . Before you call the reconsideration line, prepare. If your credit card application is denied, you may be able to plead your case to a representative through the bank's reconsideration line. I had her call the re-consideration line at 1-800-945-2006 and explain the situation. Personal credit card line: 888-270-2127 . Chase Credit Card Application Status. I only have the Chase Amazon Prime with a credit limit of $20000. We’ve had to call twice and were approved both times. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. For instance, there are data points that suggest that the Hyatt Credit Card from Chase is not subject to the 5/24 rule. Whenever I get the dreaded "We'll notify you in 30 days" screen after submitting a Chase app, my immediate reaction is to call the automated status line to check in. To speak to a representative about reconsidering your Chase credit card application, call the reconsideration line. 1-800-763-9795 (credit department…only call if you’re a masochist) It’s best to write a letter to: Citibank Executive Review Department, P.O. Two of the 5 recent cards (within last 2 years) for me were cards that I am an authorized user on, one of which I did not want to be on (a parent added me to it without consulting me first). Sounds like it will only work if you’ve already called in since you need an excuse to demand that the front-line rep sends it up a supervisor. Also, you should know that being an authorized user will count toward your 5/24 in most cases. Lead the call . Click on this to check the current status of your Chase credit card application. Chase | Ultimate Rewards - Chase reconsideration after dropping below 5/24 (or reducing credit lines)? 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