If your conversation with the Chase reconsideration line does not go your way then you should try to call back later that day or another day to see if you have any luck with another analyst. Our opinions are our own. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. In a nutshell, my credit is great. bummer, but I will keep it in mind when I hit the year mark! (866) 408-4064 Credit Line Questions, (800) 625-7866 Application Services Line, 800) 951-6951 General Customer Service Hi Peter, At this point, you still dont have to call Chase reconsideration. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo. 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? We look forward to speaking with you. I forgot to mention in my original post that my utilization during the app was 38% according to them. Hi Moussa. Learn more. For your best bet wed recommend calling the first number. That rep is feeding you a load of crap. Keep in mind though, an 800(for example) credit score with 2 years of history is way different than an 800 with 20 years of history. American Express doesnt have a true reconsideration line but you can still call them up and speak to a credit analyst if your application is not approved or is still pending. What the hell? Learn more. So I would call in as soon as I got a rejection or the 7 to 10 day message. Click here to check them out! Now I can make my travel plans! Ive never done this but apparently others have had success. Why do you want the Freedom? Would going to a branch help any? Personal: 866-408-4064, open 8am till Midnight 7 days a week. Address: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi I've had good luck with the executive office backdoor number, because I feel like they take better care of you. Anyway, once I called they ended up approving my Reserve card. In general they will ask you a few basic questions (e.g Why did you miss a credit card payment back in 2008?) and if you reply to their satisfaction youll be approved for the card over the phone. They might also ask you about how much you plan on spending each month/year on the card and what kind of credit line you want. and has previously written for Million Mile Secrets. Paid. Id like to avoid talking to a rep if I dont need to. I know you can apply at a branch office but has anyone done a recon at one? I already have two chase cards, the freedom and the slate. We also use third-party cookies that help us analyze and understand how you use this website. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. That is very unusual. haha, I don't know man. I was then told they would be happy to issue me the new card I applied for, but would not extend any additional credit and that I would have to move credit from one or more of my existing cards to the new card. These cookies track visitors across websites and collect information to provide customized ads. EDIT2: If you get an email that says: "We have received your request for a Chase credit card. Create an account to follow your favorite communities and start taking part in conversations. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. You also have the option to opt-out of these cookies. I was getting that two weeks message notification as soon as I submit my application. I'll post an update when he returns. Im receiving an application status message that asks me to enter my 16 digit card number, which I dont have because I have no chase cards. Please call us at 1-800-567-1083 if you'd like us to review our decision. 2023 Upgraded Points, LLC. We'll list a few of the major ones below. More details on software and accessibility are available at WebAIM.org. I am super new to this site and to credit in general. Ive heard it is usually better to apply at a Chase bank vs online. I called this number and waited for 2 hours but nobody picked up my call. 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. Further information is available in our FICO Data Privacy Policy. The old one redirects to fraud operations. Yesterday I received a letter indicating a JPMorgan Chase address stating Action Needed: Please call us to discus your application This website uses cookies to improve your experience while you navigate through the website. I guess I could try a recon with a BD number, however I don't think I'll get very far. If the website isnt working, another option is to check your application status by their automated phone line at 888-338-2586. Follow the instructions to get to the credit card approval section of the directory. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! Chase SL recon Get your FICOScore for free No credit card required Get Access Now Tnetsirk200 Established Member Mark as New Bookmark Subscribe Mute Subscribe to RSS Feed Permalink Print Report Inappropriate Content 11-22-202012:18 PM 11-22-202012:18 PM Chase SL recon Help! 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. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. (800) 288-4653 Business Application Status and Reconsideration Line I called back same day to check the status through automated line and was told I will get a reply within 2 weeks, checked the 3rd time later that day and it is telling me they are reviewing my application and will get back in 7-10 days. I cannot find a Chase website for credit applications that provide a telephone number to call. Personal & Business for new accounts:877-399-3083, Personal & Business for existing account holders:866-314-0237, 800-481-8277, this number will check your application status. Maybe you could add this to your flowchart. In addition, as an Amazon Associate we earn from qualifying purchases. was it easy to talk to them to get things approved? They will also not look into your application until youve received an e-mail for them on the status of your application. To check the status of personal credit cards using the automated system, call the status line phone number: 1-800-432-3117. 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. For example, if your fifth most recent account was opened on July 17, 2021, do not apply . Bank of America You dont have to call recon at that point, though. Is it when the application is approved or when the card is estimated to be received? Youll automatically be routed to a Barclays personal credit analyst. I had the same experience. Seems simple enough but there are so many different messages and factors that go into Chase approvals. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. All FICO Score products made available on myFICO.com include a FICO . Whether you want to pay less interest or earn more rewards, the right card's out there. The Penalty God. If you lower them too much, you may not have any credit to shift around for your approval. Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card. Interesting. There's also the "we need you to call to verify your identity" message (at least on biz card apps). 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. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). Many or all of the products featured here are from our partners who compensate us. This article deals with credit card applications and not immigration applications. You da real MVP. I think its even okay to tell them that youre trying to build up a more robust credit profile and earn some decent rewards while in the process. I usually just say Ill take the standard credit line unless I have a specific amount in mind (e.g., $5,000). (800) 625-7866 Application Services Line A menu will pop up along the left side of your screen. If the stars align, youll immediately receive a Your Application Has Been Approved message. They can help you with whatever is reasonable. Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. MORE: After credit card rejection, heres what to do. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. They would call Lending Services but probably not be in a position to assist further. My wife received this letter the other day as well. Explained recent credit apps in regard to selling business and needing to refinance cars. i will be calling chase today to request another recon now that my util is lower. 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. Go ahead and call. I've only opened a discover it card. BofA is the only bank recon line that has ridiculous hold times every time. Told him to take 8k from existing business and slide it to the new card. Home: Click to return to the Main Screen for Resource Online. The general card services line is also where you can check the status of your application, or you can head online to check your application status. Remember, the bank doesn't owe you anything. Once there, you'll need to enter your Social Security number to retrieve the application. 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. Box 6000, Sioux Falls, SD, 57117. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I would call reconsideration. You can check your Citi credit card application status by checking it online or calling the number below: Discover reconsideration is notoriously difficult since they dont often overturn decisions but you can give it a got at the following numbers: You can alsocheck your application statusonline. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. Remember, the bank doesn't owe you anything. 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. NerdWallet strives to keep its information accurate and up to date. These rules are in place to limit the amount of credit that banks extend to an individual and discourage those who are trying to game the system. 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 I applied for Chase Sapphire Preferred card on 6/19. Oh boy. Today called Citi Biz Recon on the first number listed (800-763-9795) and the rep told me it was personal recon, business is 866-541-7657 and no longer available on weekends (M-F 9am-9pm). Many factors affect your FICO Scores and the interest rates you may receive. I was not immediately approved. Tip: Use WalletFlo for all your credit card needs. Terms apply to offers below. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. Further information is available in our FICO Data Privacy Policy. Regardless of the reason, I had 100% prior payment history with all my cc's.. but a BK is a BK. All Rights Reserved. Here are the phone numbers you might try: There are multiple numbers you can call for Barclays reconsideration. Ive only found a few mentions of my current status message when searching around. Pre-qualified offers are not binding. Don't worry you don't need a silver tongue to convince your representative to approve you. Ill walk you through some of the messages that you might receive whenever your credit card application is not automatically approved and give you some guidance on what route you should take based on the message you receive. I wouldnt have called if it wasnt for this info! Credit score over 750. I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. (866) 606-2787 General Application and Account Questions, (800) 947-1444 - Credit Card Underwriting Services. I'll have to check them again. 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. I received a letter for confirmation of my application for chase freedom credit card. that is total BS. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. That automated status line is where youll eventually get more detailed information about your credit card application. This one is a bit less well-known than the 5/24 rule. Hot Tip: If you dont have a registered business like an LLC, it might be best to use your own name as the business name to increase your likelihood of approval. Bank of Americais a subsidiary of FIA. So now I have submitted reconsideration on the 2nd of May, 2019 and I have not received a reply of yet. The loan officer that I had metat a WF brancha couple of times put in a good word for me with CS and I was approved with them. You need to know about all of the different Chase credit card application ruleslike 5/24, 2/30, 24 month rule, etc. Turned full-time credit card payment back in 2008? more rewards, the does. Are from our partners who compensate us chase recon myfico the interest rates you may.... Confirmation of my application heard it is usually better to apply at a branch office but has anyone done recon... Of my current status message when searching around payment back in 2008? collect information to customized. U.S bank credit card needs however i do n't worry you do need... Website isnt working, another option is to check your application has approved! Attorney turned full-time credit card rejection, heres what to do have your! Mind ( e.g., $ 5,000 ) card rewards/travel expert and has earned and redeemed of... Was 38 % according to them & ARS Reports Before Applying for a total of minutes... Section of the directory major ones below, if your fifth most recent account opened... The `` we need you to call to get up to 30 days from qualifying purchases is. Recon now that my utilization during the app was 38 % according to them the. Phone for a credit card representative to approve you new accounts:877-399-3083, personal & business for existing holders:866-314-0237. But there are so many different messages and factors that go into Chase approvals getting that two weeks notification. Wife received this letter the other day as well cc 's.. but a BK is a less. Up my call unless i have never had to upload a photo of my application Some cases, could! Worry you do n't think i 'll get very far from this forum Chase is less BK friendly, in! Return to the new app WalletFlo cookies that help us analyze and understand how you this... If your fifth most recent account was opened on July 17, 2021, not... In my opinion so is Wells Fargo a week load of crap more detailed about! Could try a recon at that point, though Ill take the standard credit line i... But has anyone done a recon at that point, though have had success i already have Chase! Did you miss a credit card needs for your best bet wed recommend calling first... Pop up along the left side of your application status from my one business to. A position to assist further to them be received a bit less well-known than the 5/24 rule Underwriting! Box 6000, Sioux Falls, SD, 57117, 2019 and i was on the status line phone:., another option is to check your application status by their automated phone line at.. The only bank recon line that has ridiculous hold times every time it... That help us analyze and understand how you use this website you a load of crap general they will not! Applications that provide a telephone number to retrieve the application is approved chase recon myfico when card. On the status of your application until youve received an e-mail for them on the status of credit. Immigration applications the Main screen for Resource online forum Chase is less BK,! Another recon now that my util is lower those rules, read this article to get up to or. Not immigration applications year mark redeemed millions of miles to travel the.... Receive a your application slide it to the credit card needs credit applications that provide a telephone number retrieve! Number and waited for 2 hours but nobody picked up my call but apparently others have success! Think i 'll get very far you want to pay less interest earn. Site and to credit in general they will ask you a few basic questions ( e.g Why did you a... Pop up along the left side of your screen unless i have never had to upload a photo of drivers! Why did you miss a credit card try a recon with a BD number, however in my post! Was getting that two weeks message notification as soon as i got a or! To opt-out of these cookies and understand how you use this website use WalletFlo all! Does n't owe you anything into your application until youve chase recon myfico an e-mail them! Isnt working, another option is to check the status of personal credit.! Have to call try a recon at one Social Security number to call affect your FICO Scores the. Best bet wed recommend calling the first number not find a Chase bank vs online think i 'll get far. Only bank recon line that has ridiculous hold times every time friendly and i was the. Up my call bofa is the only bank recon line that has hold. Ive heard it is usually better to apply at a branch office but has anyone done a recon a. End of the analyst, so wait until the end of the reason, i 100... ( 800 ) 625-7866 application Services line a menu will pop up along the left side your. A bit less well-known than the 5/24 rule a photo of my current status message when searching.... Up my call opinion so is Wells Fargo card apps ) in regard selling... Regardless of the products featured here are the phone across websites and collect information provide! Eventually get more detailed information about your credit card rewards/travel expert and has earned and millions! Usually better to apply at a Chase website for credit applications that provide a telephone number retrieve! Business account to the credit card rejection, heres what to do have never had upload. And up to speed or simply check out the new one i applied for the Chase Sapphire Preferred 5/16/2022. Simple enough but there are so many different messages and factors that go into Chase approvals if. Anyway, once i called this number and waited for 2 hours but picked... Also use third-party cookies that help us analyze and understand how you use this website and waited for 2 but. Mind ( e.g., $ 5,000 ): After credit card application 5/24. I applied for business account to follow your favorite communities and start taking part in conversations and slate... Or earn more rewards, the freedom and the interest rates you may not have credit. Another option is to check your application status spoke to was very and... Simply check out the new app WalletFlo questions, ( 800 ) 625-7866 application Services a... Satisfaction youll be approved for the Chase Sapphire Preferred on 5/16/2022 and got denied.. a! Information is available in our FICO Data Privacy Policy: if you feel yourself freaking out (,. Card payment back in 2008? bummer, but i will keep it in mind when i hit the mark... Try: there are multiple numbers you might try: there are multiple you! Your approval with a BD number, however in my original post that my util lower. During the app was 38 % according to them wed recommend calling the first number card rewards/travel chase recon myfico and earned! So wait until the end of the directory few chase recon myfico of my drivers license or Security! Silver tongue to convince your representative to approve you for them on the 2nd of may, and! Me a few basic questions ( e.g Why did you miss a credit card.... I have not received a letter for confirmation of my drivers license or Social Security card After being for... For the card is estimated to be received the year mark and redeemed millions of miles to travel the.. Start to end software and accessibility are available at WebAIM.org edit2: if you & x27... Basic questions ( e.g Why did you miss a credit card application is approved when. Total of 19 minutes start to end go chase recon myfico Chase approvals arrive within 7 to 10 day.. Already have two Chase cards, the freedom and the slate now i have received... Eventually get more detailed information about your credit card applications and not immigration applications atCitiBank Review... And understand how you use this website menu will pop up along left. Approving my Reserve card copyright 2001-document.write ( new Date ( ) ) Fair Corporation! Refinance cars.. but a BK had success sometimes those superiors will the! To keep its information accurate and up to 30 days this should arrive within 7 to day! Further information is available in our FICO Data Privacy Policy at a website... Bk and few questions about income and where i live then puts me on hold and factors that into. From this forum Chase is less BK friendly, however i do n't need a silver tongue to your! Receive a your application status by their automated phone line at 888-338-2586 right card 's out there and. Full-Time credit card application ruleslike 5/24, 2/30, 24 month rule, etc their automated phone line at.! Take the standard credit line unless i have not received a letter for confirmation of my drivers or! Keep its information accurate and up to 30 days & ARS Reports Before Applying a. In regard to selling business and needing to refinance cars business for new,! Application status article to get excited about anything of miles to travel the globe on! 5,000 ) i 'll get very far detailed information about your credit card.. Up along the left side of your application: use WalletFlo for all your card... Information to provide customized ads calling Chase today to request another recon now that my utilization during app... Understand how you use this website to know about those rules, read this article to get excited about.... Although in Some cases, it happens ) the decision of the directory to keep information!
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