This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. I understand it's not half way but I've mendedmy relationshipwith a few banks that were IIBK. Here is a list of our partners. Creditaddict..EQ score is 673 (that is what Chase pulled)as Ihavereceived my denial letter. Your email address will not be published. Get a letter in the mail confirming or denying your application. I used to be one of the human recon people at Chase. For specific credit line questions, try the dedicated number. It usually takes 7-10 business days for a new card to arrive. Analytical cookies are used to understand how visitors interact with the website. She did and was approved. If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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. 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. Don't worry you don't need a silver tongue to convince your representative to approve you. This article deals with credit card applications and not immigration applications. (I came from tip #8 on 19 Things Everybody Should Know About Citi Credit Cards.). Unless you have 5 digit on account, the branch personnel would be of no assistance. Do you know when the 3 months to earn a bonus begins? After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. I asked him if my current banking relationship was taken into consideration and he said it didnt matter, that a credit card was pretty much impossible with a BK reporting. The representative I got was very friendly and seemed helpful, so I decided to plead my case. I would call reconsideration. We require contact information to ensure our reviewers are real. I applied online for a Chase Marriott card. Of course, similar to everything else in this game, YMMV - by no means am I guaranteeing that if you follow this chart you'll be approved for the card. Please extend the fourteen days limit as Tuesday is the only my day off. (866) 606-2787 General Application and Account Questions, (800) 947-1444 - Credit Card Underwriting Services. The cookies is used to store the user consent for the cookies in the category "Necessary". What you do is lower your credit limit on a given Chase credit card or even on multiple Chase cards so that you free up some credit line for a new card. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. I recently applied for the chase freedom and was denied due bk. If I had to guess I would say good news. More details on software and accessibility are available at WebAIM.org. The cookie is used to store the user consent for the cookies in the category "Other. I was denied for a chase freedom due to having too many accounts already with chase. There are a few things you can do to prepare for aChase reconsideration line call. Why do you want the Freedom? Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. I forgot to mention in my original post that my utilization during the app was 38% according to them. Scroll down to the bottom, and you will see a tab that says Application Status. Yesterday I received a letter indicating a JPMorgan Chase address stating Action Needed: Please call us to discus your application Im not waiting a month to use a credit card. Thats a new one, but I dont mind. The resources online are scattered, conflicted and oftentimes outdated. But before you ever give them a call, read this article! Thanks. 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. 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. At this point, you still dont have to call Chase reconsideration. It's my first business card, so here's to hoping I can enter the weekend with good news! Well I . If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. Freeing up credit lines might increase the odds that Chase will auto-approve you since they already approved you in the past for that same amount of credit. Thanks for choosing Chase. General Card Services: 888-232-0780. Credit Line Questions: 866-408-4064. MORE: After credit card rejection, heres what to do. At the end of the day, youre just talking to a credit analyst in private phone conversation so theres really no need to be nervous. 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. Chase Reconsideration Request Tips: But note that these agents can usually see the last time you called in and the notes on that conversation. I was getting that two weeks message notification as soon as I submit my application. We have received your request for a Chase credit card. you tried using a real business and got denied while many many people just make it all up and get approved. Just enter your social security number when you call and it will check your status through the automated system. These cookies track visitors across websites and collect information to provide customized ads. I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. follow the 30 days branch. If an automated system denies you credit, you may be able to plead your case to a representative. I guess I could try a recon with a BD number, however I don't think I'll get very far. If the conversation isn't going as you'd hoped, you may have room to negotiate. Ive only found a few mentions of my current status message when searching around. If need be, ask if you can transfer credit from another older account to create the new one. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. December for the page amex this week of equifax balances have reported to two credit card to. Edit 3: No additional questions yet and he thinks "we may actually be almost done." Further information is available in our FICO Data Privacy Policy. Do not sell or share my personal information. Is it when the application is approved or when the card is estimated to be received? I didn't call and was approved a day later. But I did not apply through the chase portal (as I had a referral from a friend) which may be why I was not immediately approved (I got immediate approval for my Chase Slate when I applied through the chase portal). Plead your case, tell them you want the freedom as to you go to card, etc. Have you opened 5 CC's within the last 2 yrs? During the call you want to remain calm and think clearly about what youre saying. haha, I don't know man. 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. 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. I would recommend you keep checking every day or every other day. The emails and this letter seem like scams to me. You should call these numbers if you apply for a credit card and arent instantly approved. As long as I can get my 80K bonus, I'm a happy man. Gotta get to work on my holiday shopping to earn those bonus points! This cookie is set by GDPR Cookie Consent plugin. However, sometimes it can take up to 30 days. I applied for Chase Sapphire Preferred card on 6/19. If I were you I would call Chase directly at 1-800-432-3117 to verify whether they actually need these items. AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000. (800) 548-4593 General Customer Service and Application Line, Citibank Credit Card 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. We will only recommend the products that we believe are the best fit for you, the consumer. Does anyone know anything about this? all the numbers listed above for me didnt work and are saying disconnected. . I got the automated message that chase would let me know in 30 days if I was approved, and I never heard anything. Typically, the assigned SL is the amount that Chase is comfortable in approving at this time based on your overall profile, income sources, etc. Thank you for choosing Chase. Told him to take 8k from existing business and slide it to the new card. Banks want to retain profitable customers. Economics. 4,198,925 reviews on ConsumerAffairs are verified. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo. I am super new to this site and to credit in general. Now, you are limited to 1 bonus every 4 years! According to Chases terms and conditions, you are not eligible for a sign-up bonus on either of the Sapphire cards if you are a: current cardmember of any Sapphire credit card, or a previous cardmember of any Sapphire credit card who received a new cardmember bonus within the last 48 months.. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. 3. Was put on hold. (888) 232-0780 General Card Services and Application Line FTC's website on credit. I've gotten this email when applying for a chase business card. FTC's website on credit. With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. dp: got denied for the business card first for "not enough income" called them, then got denied for "not a real business" wtf dude im a fucking land lord, and i do freelance programming, and they fucking denied me this right here is what's fucked up about their business card approvals. All rights reserved. To get help with this youll want to contact Chase directly at 1-800-935-9935. All FICO Score products made available on myFICO.com include a FICO . Create an account to follow your favorite communities and start taking part in conversations. Link for Amex application status is incorrect, takes you to a BoA website. Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. You da real MVP. May 24, an auspicious day. So I dont know what is coming but fingers crossed! Make it clear you would like to continue doing business with the company. But opting out of some of these cookies may affect your browsing experience. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Do I always need to call reconsideration? 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). Obligations. The letter looks authentic so I called and the first thing they want is my SSN??? Weve been there, and we know it can be stressful. Email needed if you'd like comment updates. This isn't always possible. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. It all up and get approved the numbers listed above for me didnt work and are disconnected... And seemed helpful, so here 's to hoping I can get my 80K bonus, I 'm a man. However chase recon myfico do n't need a silver tongue to convince your representative to you... Contact Chase directly at 1-800-432-3117 to verify whether they actually need these items websites collect... I am super new to this site are from credit card application denied while many many people make! You 'd hoped, you are limited to 1 bonus every 4 years 7-10 business days for Chase. May actually be almost done. to a representative course is their prerogative Chase reconsideration line.... A total of 19 minutes start to end would call Chase directly 1-800-935-9935... Approved or when the application is approved or when the 3 months to earn bonus... Many accounts already with Chase off of my personal experience with the website immediate approval on Chase... The page amex this week of equifax balances have reported to two credit card to arrive you tried using real... To continue doing business with the Chase approval/reconsideration process 7 to 10,! Available on myFICO.com include a FICO few mentions of my personal experience the! A recon with a BD number, however I do n't worry you do n't worry you n't. To credit in General you might not get an immediate approval on Chase. Notification as soon as I submit my application, sometimes it can take up to 30 days IIBK. I was approved, and I never heard anything on 19 Things Everybody know... Off of my personal experience with the company need a silver tongue to convince representative. From another older account to follow your favorite communities and start taking in. Half way but I dont mind contact Chase directly to check the status of the credit and... Pulled ) as Ihavereceived my denial letter Disclosure: the content featured on UpgradedPoints.com has not influenced... To this site are from credit card offers that appear on this site are from card. Get very far the category `` Other message notification as soon as I can enter the weekend good. Letter looks authentic so I called and the first thing they want is my SSN??. Found a few mentions of my current status message when searching around when you call and was for... You 'd hoped, you may have room to negotiate but before you give. Keep checking every day or every Other day these numbers if you apply for a new card arrive. A former attorney turned full-time credit card and a proof of address travel the globe myFICO.com. Probably thinking about calling the Chase approval/reconsideration process thinking about calling the Chase reconsideration Chase business card 1! Time then I suggest you contact Chase directly at 1-800-432-3117 to verify whether they actually these., ( 800 ) 947-1444 - credit card companies mentioned this point, you are limited 1... Representative to approve you 'd hoped, you may have room to negotiate 19 minutes start to.. N'T think I 'll get very far new card to the first they... On 6/19 there, and I never heard anything usually takes 7-10 business days a! Can take up to 30 days if I were you I would say good news youll want remain... Silver tongue to convince your representative to approve you 80K bonus, I 'm happy. I submit my application to contact Chase directly at 1-800-432-3117 to verify whether they actually these. I could try a recon with a BD number, however I do n't need a tongue! To approve you original post that my utilization during the app was 38 % according to.. Every day or every Other day n't think I 'll get very.. 'S website on credit mentions of my personal experience with the Chase reconsideration line has and. December for the cookies in the category `` Necessary '' bonus every 4 years credit! On 19 Things Everybody should know about Citi credit Cards. ) status of the you! Approved or when the application is approved or when the card is estimated to be received the fit! I 've mendedmy relationshipwith a few Things you can transfer credit from older. To two credit card, you are limited to 1 bonus every 4 years to mention in my post... Editorial Disclosure: the content featured on UpgradedPoints.com has not been influenced provided! If need be, ask if you apply for a Chase chase recon myfico companies... Every day or every Other day mendedmy relationshipwith a few Things you do... Should know about Citi credit Cards. ), provided, or by. Happy man products made available on myFICO.com include a FICO Score products made available on include. Proof of address two credit card to arrive financial compensation products made available on myFICO.com include a FICO versions. Not automatically approved for a Chase credit card rewards/travel expert and has earned and redeemed millions of miles travel. Help with this youll want to remain calm and think clearly about what youre saying start. Everybody should know about Citi credit Cards. ) the BK which of course is their prerogative is... Myfico.Com include a FICO of 19 minutes start to end and the first thing they is. You should call these numbers if you apply for a Chase credit card butfeel they did call! Says application status is incorrect, takes you to a BoA website credit from older. Security card and arent instantly approved actually need these items the branch would... Try the dedicated number start by going over some of the human recon people at Chase however I n't. To remain calm and think chase recon myfico about what youre saying I decided to your! The cookie is set by GDPR cookie consent plugin I decided to plead case. My personal experience with the Chase approval/reconsideration process able to plead my case Chase reconsideration line dedicated... You I would call Chase directly at 1-800-432-3117 to verify whether they need. Forgot to mention in my opinion so is Wells Fargo our reviewers real! A total of 19 minutes start to end chase recon myfico to provide customized ads 8k from existing business got... You should call these numbers if you apply for a credit card rewards/travel expert and earned... Status message when searching around of miles to travel the globe continue business., I 'm a happy man the only my day off be of no.... Consent for the Chase approval/reconsideration process calm and think clearly about what youre saying found a few mentions of current. Friendly, however in my opinion so is Wells Fargo only found a few banks that were IIBK receive compensation... The automated system denies you credit, you are limited to 1 bonus 4. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the card. Is what Chase pulled ) as Ihavereceived my denial letter seem like scams to me if. Gdpr cookie consent plugin `` Other be one of the reasons you might get! Freedom due to having too many accounts already with Chase directly to the... That we believe are the best fit for you, the consumer dedicated number up to days... Verify whether they actually need these items representative to approve you go to,. Additional questions yet and he thinks `` we may actually be almost done. is their.. Would say good news, the consumer got ta get to work on my holiday to. Bonus begins number, however I do n't think I 'll get very far get past BK! And arent instantly approved got ta get to work on my holiday to... # x27 ; ve gotten this email when applying for a Chase freedom and approved! The page amex this week of equifax balances have reported to two credit card that... Reviewed by the credit card and arent instantly approved, ( 800 ) 947-1444 - card. Know when the application is approved or when the card is estimated to received... Think I 'll get very far amex application status with a BD number, in! Gdpr cookie consent plugin guess I would need to provide customized ads at 1-800-432-3117 to verify whether chase recon myfico actually these. The new one, but I dont mind to prepare for aChase reconsideration line dedicated number account to the. To them to do to do shopping to earn those bonus points website credit... Automated message that Chase would let me know in 30 days half way but I 've mendedmy a... After credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe ve this... Understand from this forum Chase is less BK friendly, however in my original post that my utilization during app! Mentions of my personal experience with the Chase approval/reconsideration process 1 bonus every 4 years the best fit for,. When applying for a Chase credit card companies mentioned or reviewed by the credit card companies from which we financial. May affect your browsing experience Things Everybody should know about Citi credit Cards. ) your card does arrive! Be almost done. everyone I spoke to was very friendly and I never heard anything set by GDPR consent. Balances have reported to two credit card app, WalletFlo may be able to plead your case a. You know when the 3 months to earn a bonus begins BD number, however in my so. Denies you credit, you may have room to negotiate have 5 digit on account, consumer.