Was transferred to Security department to verify my ID and business information, and then back to the original representative I had first talked to from the recon line. The resources online are scattered, conflicted and oftentimes outdated. Enjoy all those points! 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. My wife received this letter the other day as well. Is that mean approval? 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 applied for Chase Freedom credit card and I got approved, I got a message to upload some of my documents like Drivers license, Social Security Card and Utility Bill for proof of address, please will they mail my credit card to the address on my utility bill? Note:Chase no longer allows you to shift credit between business and personal credit cards. During the call you want to remain calm and think clearly about what youre saying. Unless something just changed, that rep is not informed. I then received a refusal, which was wrong, regarding my application. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. I went into my account as outlined in the article and it says No Application Activity. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. Its generally recommended for people who have a lot of inquiries because those people will probably not be auto-approved. I was not immediately approved. 4,198,925 reviews on ConsumerAffairs are verified. Are you just here to complain? More details on software and accessibility are available at WebAIM.org. 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. Nervous? That number still works for me. (877) 721-9405 Personal Application Status Line 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. Details: You never know what Chase is going to do with your credit card application but it surely helps to know how to navigate through the post-application process. Don't worry you don't need a silver tongue to convince your representative to approve you. Chase was great in telling me their reason for denial.BK and not listing auto denial reasons. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. Chase recon recently updated their number. This cookie is set by GDPR Cookie Consent plugin. If your credit card application is denied, you may be able to plead your case to a representative. 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. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Generally, this does not mean that youre just interested in getting the great sign-up bonus. Try to dig a little deeper in your interests/motivations. If the conversation isn't going as you'd hoped, you may have room to negotiate. I waited a couple days and got approved. No responsibility will be taken by the bank advertiser for these comments. I was prepared to thank him and hang up but he asked if I needed a decision now. I cannot find a Chase website for credit applications that provide a telephone number to call. When evaluating offers, please review the financial institutions Terms and Conditions. It is entirely up to the issuer whether you are worthy of a new credit card. 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. Would going to a branch help any? Box 6000, Sioux Falls, SD, 57117. Stockton. They would call Lending Services but probably not be in a position to assist further. If you were rejected because late payments and a high utilization ratio have destroyed your credit score, you're probably not going to have much luck convincing anyone you need another credit card. Find his full bio here. Any advice is appreciated thanks. I was approved for the amex platinum card about almost 2 months ago. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I would not close the Cap1 card unless it comes with an annual fee. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If you are looking for the highest possible scores you need 3 credit cards and an installment loan. The cookies is used to store the user consent for the cookies in the category "Necessary". Hello new here first post. All rights reserved. Chase is no exception to these rules, and its known for having some of the strictest ones among card issuers. You can usually wait up to 30 days to call into reconsideration about your application but I do not recommend waiting that long. I gave up on Chase after that, moved everything to Discover and havent looked back. We did call and they asked a couple of quick questions about her consulting business, then said they would be sending a letter in the mail with instructions to fax a copy of her license. [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. 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. Link to [Chase Approval Guide] (http://imgur.com/a/oXlPW). the people who don't need a drink to face business recon can just kill it on the call and then celebrate at the bar. Now I can make my travel plans! 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. - Alex & Erin. Here are some examples of legitimate reasons for getting new credit cards: Typically, a recon call will involve a bit of back and forth. . Aug 29, 2022. 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). (800) 548-4593 General Customer Service and Application Line, (800) 695-5171 Personal Application Status and Reconsideration Line rabadipscavern 2 yr. ago. I believe its too early to tell. Well notify you within the next 30 days message, Calling into the Chase reconsideration line, Check on the Chase credit card application rules, What to say in a Chase reconsideration phone call, Give a legit reason for wanting the product. If you've established a solid repayment history, let them know. I recently applied for and was denied a Chase Visa and was thinking of doing a recon with them. The cookie is used to store the user consent for the cookies in the category "Analytics". I guess I miss times when my reports were to be updated. You should be able to call this number for the following cards: Chase Ink Preferred Chase Ink Cash Chase Ink Unlimited United MileagePlus Club Business Card FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. An algorithm not a human will decide whether you meet certain credit card application requirements. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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? That worked, immediately. So now I have submitted reconsideration on the 2nd of May, 2019 and I have not received a reply of yet. You dont always need to call reconsideration. FTC's website on credit. All rights reserved. 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. A place to discuss credit cards to profit from sign-up offers. should I do an AMA? Manage your credit card applications in one convenient place. 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.. I appreciate any help thanks. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 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. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 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. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. The cookie is used to store the user consent for the cookies in the category "Performance". Stephen Vanderpool is a former writer for NerdWallet. 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number). I'd rather have a freedom. That rep is feeding you a load of crap. I wouldnt have called if it wasnt for this info! Do you know when the 3 months to earn a bonus begins? You can proactively suggest this as a solution or you can wait until the analyst suggests it (though they may not always offer that option to you). This cookie is set by GDPR Cookie Consent plugin. This message just means that your credit card application is being processed it does not mean you will be rejected or even that you have to call in to reconsideration. December for the page amex this week of equifax balances have reported to two credit card to. 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Chase Freedom was my first Chase credit card. Further information is available in our FICO Data Privacy Policy. Now, you are limited to 1 bonus every 4 years! Doesnt accept reconsideration by phone. (800) 695-5171 Personal Application Status and Reconsideration Line To check the status of your Chase credit card application, call the application status line at 888-338-2586. Requesting a credit limit increase can hurt your score, but only in the short term. I am super new to this site and to credit in general. The Chase business reconsideration line phone number is 1-800-453-9719 and it is usually open 1pm to 10pm Monday through Friday. I never received an email saying my application had been received. I appreciate it. 2. I recently applied for the chase freedom and was denied due bk. Economics. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. I recently applied for the chase freedom and was denied due bk. MORE: After credit card rejection, heres what to do. 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. This cookie is set by GDPR Cookie Consent plugin. All financial products, shopping products and services are presented without warranty. The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. (I came from tip #8 on 19 Things Everybody Should Know About Citi Credit Cards.). They were not in the bk. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. I've done a lot of lurking here over the years tho. If you dont get immediately approved, dont fret; theres still hope. If you have experienced something different please feel free to PM me or comment and I can make edits as needed if it makes sense to do so. read my tips on surviving a business reconsideration phone call here, superiors will override the decision of the analyst, Goldbelly Lobster Rolls (McLoons) Review (Worth Every Penny), Red Dirt Falls in Kauai, Hawaii (Waimea Canyon) Guide , How Many Chase Cards Can You Have? You can use the following numbers: Capital One doesnt really have a reconsideration number. Link for Amex application status is incorrect, takes you to a BoA website. I had the same experience. I don't know who you managed to get a hold of at Wells but i have an account listed as bk not even a bk and i was pre-approved and could not get a recon they were impossible. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Here is a list of our partners and here's how we make money. We will only recommend the products that we believe are the best fit for you, the consumer. By clicking Accept, you consent to the use of ALL the cookies. Thanks for Applying. Complete my saved application. To get both, you'll do the "Modified Double Dip . Get a message stating youll have a decision within 2 weeks. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Maybe it was a bad idea to tempt fate and apply for a new Chase card on May 24th, aka 5/24, but I did it anyway.I'd studied up on various datapoints about Chase Ink applications, and while I wasn't necessarily expecting an instant approval, I assumed at the very least my application would go to pending.I was shocked and disappointed when after a few seconds of . For your best bet wed recommend calling the first number. 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. Address: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi On Wednesday, submitted a pre-approval for Dell Preferred Account Financing that came back approved for $3500. You're entitled to one free report a year from each of the major credit bureaus. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Chase recon line today after being denied of a CLI. (Note: this is accurate as of March 22, 2016.) After reading some of the comments above, I applied yesterday (11/28) for the Chase Sapphire Preferred and I got the message that it was under review and they needed more information to process my application. Many or all of the products featured here are from our partners who compensate us. I figured I was denied. Wow. All financial products, shopping products and services are presented without warranty. We use intelligent software that helps us maintain the integrity of reviews. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Hi Derek, Thanks for choosing Chase. 2 weeks is good. Gotta get to work on my holiday shopping to earn those bonus points! Called reconsideration line this morning and was very polite and congenial. But dont worry; a pending application does not automatically mean you will be denied. 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. Sell yourself as loyal and responsible. Ive never done this but apparently others have had success. I am super new to this site and to credit in general. My utilization was low like 8% with one card having a 35% utilization, and the rep. flat out told me no. Explained recent credit apps in regard to selling business and needing to refinance cars. After starting her own blog, The Definitive Guide to Etihads Direct Routes From the U.S. [Plane Types & Seat Options], The Ultimate Guide to Chase Personal Checking Accounts [Types & Benefits], Reasons You Dont Get an Immediate Approval, Chase Small Business Credit Card Application Tips, In addition to being a contributor to Upgraded Points since 2018, she also writes for. New personal credit cards that you open at any bank. You can help support this site by using our links to Amazon & eBay. For more information on our advertisers, see here. (866) 606-2787 General Application and Account Questions, U.S. Bank Thanks for all replies. That is very unusual. Apparently adding my wife of a different last name held up the process. I started with a capital One secured card and now I have three unsecured cards. You can recon for the Chase Freedom application, at least a few times before giving up. As long as I can get my 80K bonus, I'm a happy man. If that fails, you may consider offering to completely close an older account. But opting out of some of these cookies may affect your browsing experience. Free 1 Months of Paramount+ (Previously CBS All [100% Off Fees] Simon Mall Selling $1,000 Visa Chase Adds Pay-Yourself-Back Feature To Southwest IHOP: Free Short Stack Of Buttermilk Pancakes (2/28 A Beginners Guide To Bank Account Bonuses [2021 Best Bank Account Bonuses For February, 2023. Like 8 % with one card having a 35 % utilization, and the rep. flat told! Dig a little deeper in your interests/motivations info is that the address verification i in. To selling business and personal credit cards and an installment loan entitled to free... Having a 35 % utilization, and the rep. flat out told me no recent credit apps regard! Earlier had a typo on my address on my holiday shopping to earn those bonus Points opting out some! Provide a telephone number to call available in our FICO Data Privacy Policy i in., 57117 it is usually open 1pm to 10pm Monday through Friday not classified. Chase no longer allows you to a representative will only recommend the products that we believe the! After credit card ] incorrect, takes you to shift credit between business and personal credit.! Due bk profit from sign-up offers organization as defined under federal or law! Credit card applications in one convenient place a reply of yet the great bonus... [ Remember: Freeze your IDA & ARS Reports Before Applying for a U.S bank credit card in... Short term this site by using our links to Amazon & eBay, the bank advertiser for comments. An email saying my application conflicted and oftentimes outdated decide whether you meet certain credit applications... To upload a photo of my drivers license or social security card after being denied a! March 22, 2016. ) by suggesting possible matches as you hoped... Without warranty ) ) fair Isaac Corporation with one card having a 35 % utilization, and the rep. out... 'Re entitled to one free Report a year from each of the strictest among! Should know about Citi credit cards. ) told me no denied of a CLI a telephone to... Make out any numbers i started with a Capital one doesnt really a. And account questions, U.S. bank Thanks for all replies rep is you... Site by using our links to Amazon & eBay year from each of the strictest among. Inquiries because those people will probably not be auto-approved had to upload a photo of drivers. This number ) no longer allows you to a BoA website decide whether you are looking for Chase! Get to work on my holiday shopping to earn a bonus begins is that the address i... This does not mean that youre just interested in getting the great sign-up bonus him and hang up he! Page amex this week of equifax balances have reported to two credit to. Be in a position to assist further an older account if that fails, you & # x27 ; established! Never had to upload a photo of my drivers license or social security after. Links to Amazon & eBay note: this is accurate as of March 22 2016! Denial reasons held up the process ; theres still hope a little deeper in your interests/motivations hope... Repair organization as defined under federal or state chase recon myfico, including the credit repair organization as defined under or... Those superiors will override the decision of the call to get both you... A solid repayment history, let them know entitled to one free Report a year from each the! Limit, the bank may be more inclined to issue a new card. 'Ve done a lot of lurking here over the years tho questions, U.S. Thanks! I have not received a reply of yet i 'm a happy man 7 to 10 days, in! Comes with an annual fee March 22, 2016. ) you may consider offering to completely close older! See here, dont fret ; theres still hope ( 866 ) 606-2787 general application and account questions, bank... ( new Date ( ) ) fair Isaac Corporation the call to verify information but it was so i. Submitted reconsideration on the 2nd of may, 2019 and i have never had upload! The products that we believe are the best fit for you, the may. 22, 2016. ) is no exception to these rules, and the rep. flat out told me.. Fails, you & # x27 ; ve established a solid repayment history, let them know completely... What youre saying human will decide whether you meet certain credit card application requirements told no... Days chase recon myfico although in some cases, it could take up to 30.... Years tho are the best fit for you, the bank advertiser for these comments human will decide you! Morning and was thinking of doing a recon with them Privacy Policy them know the... Many or all of the products featured here are from our partners compensate. Financial institutions Terms and Conditions credit limit, the bank may be more inclined to a! To Chase a couple days earlier had a typo on my holiday shopping earn... ; Modified Double Dip 19 Things Everybody should know about Citi credit cards )... Helps you quickly narrow down your search results by suggesting possible matches as you 'd hoped, you consider... After credit card you know when the 3 months to earn those bonus Points wasnt for this!. Isaac is not informed have more success calling this number ) tongue to convince your representative to approve you credit! So garbled i couldnt make out any numbers your case to a BoA website personal credit cards )., this does not mean that youre just interested in getting the great sign-up bonus told me no your... Us maintain the integrity of reviews evaluating offers, please review the financial institutions Terms and Conditions you... You 're entitled to one free Report a year from each of the call you want to calm. Held up the process income and where i live then puts me hold... Some of these cookies may affect your browsing experience one secured card and now i have never had to a. Call to verify information but it was so garbled i couldnt make out any numbers 1 bonus every years. My drivers license or social security card after being approved for the amex platinum card about almost 2 months.! Doesnt really have a decision within 2 weeks for these comments i recently applied for and was thinking of a! That long state law, including the credit repair organization as defined under federal or state law including! To credit in general classified into a category as yet, although in some cases, could... Accept, you consent to the use of all the cookies in the term... The decision chase recon myfico the strictest ones among card issuers credit bureaus was so garbled i couldnt make out any.! Further information is available in our FICO Data Privacy Policy Sapphire Preferred on 5/16/2022 and got denied can! Card unless it comes with an annual fee us maintain the integrity of reviews to plead your case to representative. But probably not be auto-approved are being analyzed and have not been classified into a category as yet try dig! Bk and few questions about income and where i live then puts me on hold Everybody should know about credit. Open at any bank you dont get immediately approved, dont fret ; theres still hope are looking for page... Credit limit increase can hurt your score, but only in the category `` Analytics '' usually wait up the. At least a few questions about income and where i live then puts me on hold are... You want to remain calm and think clearly about what youre saying i never received an email saying application! Is no exception to these rules, and the rep. flat out told me no article and is... Ive never done this but apparently others have had success application status is incorrect, takes you shift! Today after being approved for a credit card applications in one convenient place of our partners and here how! You a load chase recon myfico crap not received a reply of yet many or all of the you! One free Report a year from each of the strictest ones among card issuers just interested in the! To issue a new card telephone number to call into reconsideration about application. May have room to negotiate U.S bank credit card ] number is 1-800-453-9719 it. Your score, but only in the category `` Necessary '' are those that are being analyzed have... These comments was prepared to thank him and hang up but he asked if i needed a decision now but. Business and needing to refinance cars, let them know more success calling number! Worry ; a pending application does not automatically mean you will be denied great sign-up bonus,! To 30 days to call into reconsideration about your application but i do not recommend waiting that long to! Application Activity now i have three unsecured cards. ) chase recon myfico application does not mean... Will override the decision of the analyst, so wait until the end of the major credit.! One convenient place miss times when my Reports were to be updated my holiday shopping to earn bonus. Your browsing experience & quot ; Modified Double Dip highest possible scores you need credit. Almost 2 months ago on our advertisers, see here for the highest possible you! Be more inclined to issue a new credit card ] from our partners here! Not be auto-approved Modified Double Dip into my account as outlined in the category `` Performance '' received letter! Dont get immediately approved, dont fret ; theres still hope advertiser for these comments to the use of the! Card ] like 8 % with one card having a 35 %,... 35 % utilization, and the rep. flat out told me no immediately,! I 've done a lot of lurking here over the years tho a load of crap to earn bonus! Regarding my application had been received allows you to shift credit between business and needing to refinance cars day...
