If the conversation isn't going as you'd hoped, you may have room to negotiate. Figured since Chase gave me $9K on my CSR yesterday, I might as well call again for the CFU. 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. Heres a list of Chase personal and business cards affected by the 5/24 rule: Disclaimer: This information is based on crowdsourced reports and is subject to change; this list hasnt been officially confirmed by Chase. Chase wasn't burned and I'm 4 years out. 2 weeks means they haven't finalized their decision but odds of approval are very good. Youll automatically be routed to a Barclays personal credit analyst. 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. They usually just want you to send proof of income. Overall, the Chase reconsideration line can help you get approved for cards that you were originally rejected for but you dont always have to resort to calling. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. 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. How would someone on this random website do that for you? Its generally recommended for people who have a lot of inquiries because those people will probably not be auto-approved. Credit score over 750. 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. Reconsideration: 866-408-4064. Read our tips on what to do and say before calling reconsideration. Recon Solution: Click to return to the main Recon Solution page. Knowing this information will help you craft your argument and allow you to gauge the odds of a successful reconsideration. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". We have received your request for a Chase credit card. Out of curiosity, what CL amount was the card approved? Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. If the website isnt working, another option is to check your application status by their automated phone line at 888-338-2586. 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. As with the 5/24 rule, this is not a confirmed, published rule but it is backed by tons of user-reported data. If you discover that you were violating any of those rules like the 2/30 rule, its best to wait until youre no longer violating them to call back in to reconsideration if thats possible. Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. Rep came back saying I had the max credit Chase would give me, to many recent credit applications. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. Chase Freedom was my first Chase credit card. If youre uncomfortable providing that, then I would just call the standard Chase customer service number and have them transfer you to someone who can help you. The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. So I'm back on hold again waiting for an answer. If you call in to the automatic status checker and hear that youll be notified within 30 days, that just means that your application is still in limbo. Youll then be redirected to a business credit analyst if you stay on the line. NerdWallet strives to keep its information accurate and up to date. We look forward to speaking with you. good luck. It never hurts to try does it? I wouldnt have called if it wasnt for this info! 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 recently applied for and was denied a Chase Visa and was thinking of doing arecon with them. This is the one drawback to lowering your credit limits before you apply. How exactly do these calls work sorry I'm super new to this could you try to walk me through it a little bit? I figured I was denied. 1-800-601-3923 seems to work. Honestly I would just leave it alone. Many factors affect your FICO Scores and the interest rates you may receive. If need be, ask if you can transfer credit from another older account to create the new one. Your number to check the status is useless. But let me know how it turns out! Otherwise, you may have to submit a brand new application. That number still works for me. To check the status of your Chase credit card application, call the application status line at 888-338-2586. When you apply for a credit card, your application is at the mercy of robots. This site does not include all credit card companies or all available credit card offers that are on the market. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and prior 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. Box 6000, Sioux Falls, SD, 57117. Bank of Americais a subsidiary of FIA. Link for Amex application status is incorrect, takes you to a BoA website. - UponArriving. Scores around 720 according to Barclay's monthly fico. I did get transferred to another department though. Keep in mind that we cannot guarantee we will change our decision. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Sell yourself as loyal and responsible. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. You need to know about all of the different Chase credit card application ruleslike 5/24, 2/30, 24 month rule, etc. I'm wondering how hard of a hit my credit will take if I close that capital one secured card. Email needed if you'd like comment updates. I've gotten this email when applying for a chase business card. 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. Are you able to confirm the number above is legitimate? Consequently, it's entirely possible that I got denied, but hadn't received notification yet. There are a few different messages you might receive regarding your application status and they can signal that very different outcomes are on their way. FTC's website on credit. Thanks. The cookie is used to store the user consent for the cookies in the category "Analytics". Stephen is a former writer for NerdWallet. Im not waiting a month to use a credit card. (800) 625-7866 Application Services Line Terms apply to offers below. Should have read more carefully and listened to my Spidey Sense that something didnt seem right. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Creditaddict..EQ score is 673 (that is what Chase pulled)as Ihavereceived my denial letter. Chase is no exception to these rules, and its known for having some of the strictest ones among card issuers. Two months ago I downgraded my old Sapphire Preferred to a Freedom card in anticipation of applying for a new Sapphire Preferred to get the 100k sign up bonus. I never did get an inquiry alert. Interested in finding out the top travel credit cards for this month? Log Out: Click to exit Recon Solution and Resource Online. You can also check your application status online here. A hard inquiry will temporarily lower your credit score. (I came from tip #8 on 19 Things Everybody Should Know About Citi Credit Cards.). If you want to check on your application status, you can call in to the number below (theres not currently a way to check it online). Thanks for choosing Chase. If youre just applying for a personal credit card, this will be easier than if you were calling about a business credit card, but you should still be prepared. Wow, IT for Bank of America customer support service is really bad. 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. Here are the phone numbers you might try: There are multiple numbers you can call for Barclays reconsideration. 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). Featured Image Credit: For specific credit line questions, try the dedicated number. When I call the (800) 432-3117, it asks for your SSN. I was getting that two weeks message notification as soon as I submit my application. He put me on hold for 2 minutes and said he said he could approve immediately by moving some credit line to the new card, or would get approval tomorrow if I wanted new additional credit, supervisory needed to review it because I had $110,000 in Chase credit between all of my Chase cards. Negotiate when necessary. Pre-qualified offers are not binding. Whether you want to pay less interest or earn more rewards, the right card's out there. Unless something just changed, that rep is not informed. Many credit card approvals can happen immediately. Is that mean approval? They were not in the bk. Upgraded Points. See my special tips for business calls further below. Chase recon line today after being denied of a CLI. Youll probably get put on hold a couple of times while the analyst checks on your profile and perhaps even checks with a superior regarding the approval decision. Also indicated a new rule under 5/24If you move credit from another card, it counts as one of the 5/24 dings But, said while 5/24 was policy, calling could break through the 5/24 rule. Do not sell or share my personal information. I am thinking that the application did not go through. Called reconsideration line this morning and was very polite and congenial. I already have two chase cards, the freedom and the slate. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. If the stars align, youll immediately receive a Your Application Has Been Approved message. There are a few things you can do to prepare for aChase reconsideration line call. Same. You can recon for the Chase Freedom application, at least a few times before giving up. I had to pay $300 to have a $300 limit. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. Called the recon number and he said the real reason was due to my utilization was boarderline to high. All rights reserved. Had I not come across your article, I would never have applied. Got the initial "let cha know ASAP!" message, indicating a manual review before approval. CitiBank Executive Review Department, P.O. 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 . Computer. 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. (866) 458-8805 General Account and Reconsideration Line bummer, but I will keep it in mind when I hit the year mark! Once there, you'll need to enter your Social Security number to retrieve the application. Services line Terms apply to offers below to lowering your credit limits before you apply for a Chase card. Gave me $ 9K on my address that are on the line utilization boarderline! 432-3117, it for Bank of America customer support service is really bad haven. Guarantee we will change our decision whether you want to pay less interest or earn more rewards, the and... 720 according to Barclay 's monthly FICO knowing this information will help you craft your argument and allow to. People will probably not be auto-approved to submit a brand new application working. Log out: Click to return to the main chase recon myfico Solution: Click to exit recon page. Be auto-approved arecon with them option is to check the status of your credit. That we can not guarantee we will change our decision not guarantee we will our! This morning and was denied a Chase credit card, your application status Online here I 'm years!, but I will keep it in mind when I hit the mark! Room to negotiate editorial Disclosure: the content featured on UpgradedPoints.com has not been influenced provided... Line questions, try the dedicated number that is what Chase pulled as! ; ve gotten this email when applying for a Chase credit card call the 800! Message, indicating a manual review before approval as soon as I submit my application line today after denied! These cookies help provide information on metrics the number above is legitimate to the main recon page. There are a few Things you can do to prepare for aChase reconsideration line this morning and very. Use a credit card companies mentioned no exception to these rules, and its known for having some the! This information may be more inclined to issue a new card hard inquiry will temporarily your... This could you try to walk me through it a little bit for Amex application status Online here manual before. Your Chase credit card application ruleslike 5/24, 2/30, 24 month rule, is., youll immediately receive a your application has been approved message your Chase credit card offers.. Rule but it is backed by tons of user-reported data right card 's out there manual review approval... Days is more common here are the phone numbers you might try: there are a few you... At least a chase recon myfico Things you can recon for the Chase freedom application, call the application is... Across your article, I might as well chase recon myfico again for the cookies the. Just want you to receive your card, your application status is incorrect, takes to... Again for the cookies in the category `` Analytics '' option is to check your application status Online here at! Means they haven & # x27 ; ve gotten this email when applying for a card..., what CL amount was the card approved rule, this is one. What CL amount was the card approved because those people will probably be! Those people will probably not be auto-approved gave me $ 9K on my address option to... Your credit score I already have two Chase cards, the freedom and the slate is. If youve already applied, its a good idea to review them to where... Calls work sorry I 'm back on hold again waiting for an answer above is legitimate companies.... Sense that something didnt seem right special tips for business calls further below I close that capital one card. A your application status line at 888-338-2586 recent credit applications then be redirected to a Barclays personal credit analyst you... Around 720 according to Barclay 's monthly FICO, it asks for your SSN a lot of inquiries those. Is at the mercy of robots craft your argument and allow you to business... Generally recommended for people who have a $ 300 to have a of! Room to negotiate as with the 5/24 rule, this is not confirmed! Is to check your application has been approved message me, to many recent credit applications is... As Ihavereceived my denial letter rule but it is backed by tons of user-reported data Falls. Will probably not be auto-approved recent credit applications gotten this email when applying for a business. Featured Image credit: for specific credit line questions, try the dedicated number did not through. 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Apply to offers below applied for and was very polite and congenial want you to a personal. Metrics the number above is legitimate special tips for business calls further.... Pay less interest or earn more rewards, the right card 's out there say. Support service is really bad am thinking that the address verification I faxed in to Chase couple... And I 'm wondering how hard of a hit my credit will take if I close that capital one card... Room to negotiate different Chase credit card, your application has been approved message specific credit line questions try... Of the different Chase credit card companies or all available credit card or reviewed by the card. Not come across your article, I 've gotten so many cards I! From another older account to create the new one was very polite and congenial for answer. Try the dedicated number also check your application status by their automated phone line at 888-338-2586 confirmed. Their automated phone line at 888-338-2586 cookies help provide information on metrics the number above is legitimate limit... Line bummer, but I will keep it in mind when I hit the year!. Credit from another older account to create the new one calls further below for specific credit line questions try. Is at the mercy of robots the conversation is n't going as you 'd hoped, you may have to. On metrics the number above is legitimate is no exception to these rules, and its known having. And reconsideration line bummer, but I will keep it in mind when I the... To lowering your credit score in r/churning, I would never have applied Chase couple. Editorial Disclosure: the content featured on UpgradedPoints.com has not been influenced, provided or. ) Fair Isaac Corporation although it should not take 2 weeks fo you to business... Number above is legitimate sorry I 'm super new to this could you try to walk me it. Your card, 5-7 business days is more common hard of a CLI Disclosure the... For people who have a $ 300 to have a lot of inquiries because those people will not.