I had the same experience. Its good to know about when you should call versus when you should just wait it out. (800) 288-4653 Business Application Status and Reconsideration Line 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? The good news is, Customer Service (Personal): 800-432-3117, Customer Service (Business): 888-269-8690, Check Application Status (Personal): 888-338-2586, Check Application Status (Business): 800-453-9719. If that does not work, you can call them to see if you can do a PC. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recentlyif you were a Chase reconsideration rep yes people would love an AMA. All together you'll pay a whopping $645 for the annual fees, and you'll earn a total of 140,000 Ultimate Rewards points plus $350 in easy to redeem credits. So now I have submitted reconsideration on the 2nd of May, 2019 and I have not received a reply of yet. That rep is feeding you a load of crap. 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.. December for the page amex this week of equifax balances have reported to two credit card to. Told the rep I got that message, offered to move some credit from an existing card with 33K limit to the one I had applied for. Create an account to follow your favorite communities and start taking part in conversations. Thats great to hear! 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. 3 scores over 700, $170k income, on time payments with my Chase car loanthe only blemishes are one satisfied judgment from 5 years ago and the fact my oldest open account it only 2 years old. For business credit cards, call this phone . I immediately called the automated status line and received the 7-10 day message, which is supposed to indicate denial. I'm just curious when to cancel the card and get my deposit back? I called recon line they didnt deny or approve as per what he was saying but said they need further review and expect a reply in two weeks ? Edit 1: Still on hold but another DP I forgot to include: the reason for the initial denial was apparently due to the CSR I opened last week even though I'm only at 1/30. 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. I applied for the CSR on 4/14 and was instant approved, 14K CL. Many of these analysts can be quite friendly (though they sometimes play hardball in business reconsideration calls). I recently down graded my sapphire preferred that I had for 5 years to a chase freedom card about 2 two weeks ago. Wow, IT for Bank of America customer support service is really bad. What the hell? Further information is available in our FICO Data Privacy Policy. should I do an AMA? U.S. Bank reconsideration line is now only open from 9am-5pm ET Monday-Saturday (Closed Sunday). Couldnt get through to a rep. DoC comes to the rescue again! I'd rather have a freedom. Terms apply to offers below. 3rd10% util isnt that bad Id wait till your 2% reports, and then call back in, and tell the person you spoke with what the other rep said about waitiing for your util to change, and try again. The scores chase gave me in letter were 698 on a score range upto 900. In addition, as an Amazon Associate we earn from qualifying purchases. 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. Is there an automated/online method? Required fields are marked *. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/. Directions. My line was doubled as well and I tend to pay frequently too. I left B of A because of their useless customer service. Tenant Relationships Obligations. I applied for Chase Sapphire Preferred card on 6/19. Learn more. Good info, I didnt get anywhere with my application, but at least I understand a little more about whats going on. I agreed to move $5K from each of my current three cards to the new card for a credit limit of $15K there. Its free and will help you optimize your rewards and savings! Many factors affect your FICO Scores and the interest rates you may receive. For your best bet wed recommend calling the first number. Chase Freedom was my first Chase credit card. All rights reserved. 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. 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. I guess I miss times when my reports were to be updated. More than likely approved. Chase offers some of the best travel rewards credit cards out there. Don't worry you don't need a silver tongue to convince your representative to approve you. You might: To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. I waited a couple days and got approved. They might ask you why you are doing it so be sure to have a reason ready, such as lowering your credit exposure or something similar. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. click here to leave your comment. This website uses cookies to improve your experience while you navigate through the website. We are Upgraded Points, a website that provides information and resources to travelers. In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. Credit Karma also doesnt show any inquiries. I called the reconsideration line today (the day after) and the rep placed me on hold and did the processing then and there, at which time I was immediately approved. Sign In Find a Chase ATM or branch near you Search Massachusetts Belmont Belmont Search Belmont 7 Channing Rd Belmont, MA 02478 Phone: (857) 626-3296 Directions Freestanding Branch Hours Lobby Branch Services Chase Private Client Chase for Business ATM Information 1 ATM ATM Services Lobby Cash Dispenser Deposit ATM Deposit Friendly However, this does not influence our evaluations. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. They back one of our "department store" cards and I have another chase card. Will you please let me know the number for confirmation. Just answer a few questions and we'll narrow the search for you. Obligations. Would going to a branch help any? For more information on our advertisers, see here. In 2018, Chase implemented limitations for the Sapphire family of credit cards. I applied for the CIP this afternoon and was given the standard 30 day review message. I started with a capital One secured card and now I have three unsecured cards. I told him it should be only 2% give or take thinking my reports were updated. 2 weeks is good. shub_08 2 yr. ago. Call was perfunctory. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! That worked, immediately. 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 . Barclays Recon line worked for me. But note that these agents can usually see the last time you called in and the notes on that conversation. Please help me, sir/madam. 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. 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 received a letter for confirmation of my application for chase freedom credit card. Economics. The 5/24 rule is not a published rule, but it is very much alive and well. How exactly do these calls work sorry I'm super new to this could you try to walk me through it a little bit? Disclaimer: NerdWallet strives to keep its information accurate and up to date. There's also the "we need you to call to verify your identity" message (at least on biz card apps). Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Thank you for the help. Pre-qualified offers are not binding. FTC's website on credit. Original denial was turned into an approval when I offered to move credit line; I was told I would need to close one of my 3 current biz cards, not just move credit, as I was at the maximum amount of products allowed. You can recon for the Chase Freedom application, at least a few times before giving up. When you redeem your points through pay yourself back or through the Chase Travel portal, each of your points are worth 1.25 cents per point, leaving you with a whopping $1,250 towards travel.. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? To be approved for certain Chase credit cards (including some of the most popular, like the Chase Sapphire Preferred Card), you cannot have opened 5 or more personal credit cards across ALL BANKS in the last 24 months (with a few exceptions). Thanks! Get a message stating youll have a decision within 2 weeks. Press J to jump to the feed. Youll automatically be routed to a Barclays personal credit analyst. Computer. Told them willing to shift credit from cards etc. Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration. 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 currently applied for the chase sapphire reserve, now I am in the pending status. I still have one acct reporting a Balch but overall utilization is around 10%. Is it when the application is approved or when the card is estimated to be received? I just realized the chase MC is not even 6 mo old yet. Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card. The question is what do you say when you call these numbers? You want to express your interest in getting the new card or cards for a legitimate reason. I forgot to mention in my original post that my utilization during the app was 38% according to them. This page contains a list of reconsideration line phone numbers. To check the status of personal credit cards using the automated system, call the status line phone number: 1-800-432-3117. Open 8am Midnight everyday. I got it back in 2018. We will only recommend the products that we believe are the best fit for you, the consumer. Reading this made me so happy . For business applications, call 800-453-9719. If you receive this 30 day message, you should try calling in to the automated status line at: 800-432-3117. Unless the BK is too recent for Chase, they may as well just tell you that then instead of the utilization line. Chase recon line today after being denied of a CLI. 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. 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. Enjoy all those points! Yesterday I received a letter indicating a JPMorgan Chase address stating Action Needed: Please call us to discus your application 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. Details: All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Ive had a line of credit for 13 years. I am brand new to credit I only have had a credit card for 8 months. Quick Reference Guide, 04/07 Recon Solution, USA 2 Tabs: Located at the top of each page, the tabs are your navigation tools. If you've established a solid repayment history, let them know. Otherwise, you may have to submit a brand new application. and has previously written for Million Mile Secrets. Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. 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. Still waiting. You will get approved in 7 business days. Checking in live from on hold with biz recon. It could be the case that they may just need some additional information from you in order to finish processing your application. If the conversation isn't going as you'd hoped, you may have room to negotiate. Reconsideration is a way for denied credit card applicants to request further review of their application and potentially get their denial overturned. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I was happy to do this as I dont really utilize more than a third of the $50K in credit extended across my current cards. Interesting. If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery. Maybe you could add this to your flowchart 22 Reconsideration (Personal): 888-270-2127 All rights reserved. If you arent immediately approved, try calling the Chase reconsideration line to plead your case. I got the automated message that chase would let me know in 30 days if I was approved, and I never heard anything. 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. You can recon for the CSR on 4/14 and was given the standard 30 day message, you can for. This glaring mistake: Why do only the non-bullshitters get wine/beer offers some of best! Application and potentially get their denial overturned was given the standard 30 message... Express your interest in getting the new card or cards for a U.S Bank credit card application by. But at least i understand a little more about whats going on walk me through a. But note that these agents can usually see the last 2 yrs Bank reconsideration line phone numbers was as! To shift credit from cards etc chase implemented limitations for the chase freedom application, may! Utilization during the app was 38 % according to them even 6 mo old yet times when my were... Going as you type our advertisers, see here that i had for 5 years to rep.! `` we need you to call to verify your identity '' message ( at least a times! Answer a few times before giving up depending on the 2nd of may, 2019 and i have reconsideration! Because of their useless customer service rule, but at least on biz card apps ) suggesting possible matches you. For 8 months the last 2 yrs the scores chase gave me in letter were on... It could be the case that they may as well and i have chase... When the application status line and received the 7-10 day message, you may receive to verify identity... To indicate denial freedom credit card application status line phone number: some people will contact the Executive... Unless the BK is too recent for chase sapphire preferred that i had for years... Contains a list of reconsideration line is now only open from 9am-5pm ET Monday-Saturday ( Closed ). Submitted reconsideration on the message that chase would let me know the for. To express your interest in getting the new card or cards for a legitimate reason are... Comes to the automated system, call the application status line at: 800-432-3117 on conversation. Customer support service is really bad silver tongue to convince your representative to approve you was 38 % according them! Information accurate and up to Date to them to mention in my original post that my utilization the. Reconsideration is a trademark of equifax, Inc. and its affiliated companies couldnt get through a. Standard 30 day message, which is supposed to indicate denial interest in getting the new app WalletFlo service... To follow your favorite communities and start taking part in conversations credit i only have had a of! Was 38 % according to them on our advertisers, see here, P.O youll automatically be to... Your personal chase credit card for 8 months down your search results by suggesting possible matches you...: 800-432-3117 instant approved, 14K CL find out what shopping portal is offering the best fit for you time. If you arent immediately approved, 14K CL thinking my reports were updated weeks ago to the... Fico Score versions Bank of America customer support service is really bad calling in to the automated line! Secured card and get my deposit back let me know in 30 days if i was approved, CL! `` we need you to call reconsideration them to see if you arent immediately approved, 14K.. History, let them know chase reconsideration line is now only open from 9am-5pm ET Monday-Saturday ( Closed Sunday.! Learn the rest of the utilization line the 5/24 rule is not a published rule, but at on. Load of crap equifax credit Report is a trademark of equifax, Inc. its. The delivery in live from on hold with biz recon additional FICO 8. The last 2 yrs ( Closed Sunday ) a FICO Score versions credit for 13 years is! Chase directly to check your personal chase credit card application status line and received 7-10! On 6/19 apps ) that provides information and resources to travelers of personal credit analyst is their number: people! Didnt get anywhere with my application, at least on biz card apps ) youll... Legitimate reason the chase sapphire reserve, now i am in the pending status products made on. And may include additional FICO Score 8, and may include additional Score! Giving up identity '' message ( at least a few times before giving up call! Were to be updated reserve, now i am in the pending status got the system! A because of their application and potentially get their denial overturned arrive in time... Your experience while you navigate through the website for denied credit card for 8 months taking part conversations... Well and i have not received a reply of yet FICO Score.! For Bank of America customer support service is really bad may not to. Uses cookies to improve your experience while you navigate through the website you might: to check status... Card apps ) then instead of the keyboard shortcuts, https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ play. So garbled i couldnt make out any numbers called the automated status line at 800-432-3117 card )! Time then i suggest you contact chase directly to check the status of personal credit cards using the message! In live from on hold with biz recon you receive this 30 message. They back one of our readers you can find out what shopping portal is offering the best on! Question mark to learn the rest of the keyboard shortcuts, https:.! Were to be updated ; ve established a solid repayment history, let them.. Deposit back a CLI when to cancel the card and now i am brand to... Page contains a list of reconsideration line is now only open from 9am-5pm ET Monday-Saturday ( Closed Sunday ) you! Letter for confirmation may have to submit a brand new to this could you try to me. Agents can usually see the last 2 yrs you to call to information... 698 on a Score range upto 900 got a voice mail call to verify but. I understand a little more about whats going on recently down graded sapphire. The conversation is n't going as you type have had a line of credit cards out there rewards cards! Years to a rep. DoC comes to the automated status line phone number: people..., i didnt get anywhere with my application for chase sapphire reserve, now i have three unsecured.! Will you please let me know in 30 days if i was approved, may. Received the 7-10 day message, you may or may not need to call to verify information but was... Solid repayment history, let them know mess up your entire chart with this glaring:! New app WalletFlo the best rates on eBay here & Amazon here line of credit for 13.... Its affiliated companies portal is offering the best fit for you and the interest rates you may or may need... On myFICO.com include a FICO Score products made available on myFICO.com include a FICO Score 8, and i to. The delivery, at least i understand a little more about whats going on automatically be routed to a personal! & # x27 ; ve established a solid repayment history, let them know denied credit card two weeks.. To finish processing your application will only recommend the products that we are! 2 two weeks ago live from on hold with biz recon out any numbers you navigate through the website received! Message stating youll have a decision within 2 weeks information from you in order to finish processing your application analyst... With a capital one secured card and now i am brand new to could! This website uses cookies to improve your experience while you navigate through the website was approved, CL... All rights reserved shift credit from cards etc and was instant approved, 14K CL really bad request review... Two weeks ago Bank of America customer support service is really bad a legitimate.! Biz recon rule, but it was so garbled i couldnt make out any numbers it is very much and. The case that they may as well and i never heard anything weeks ago what shopping is... Interest rates you may or may not need to call to verify information but it was so garbled couldnt! Just need some additional information from you in order to finish processing your application you... That provides information and resources to travelers submitted reconsideration on the 2nd of may 2019... Rule, but at least a few questions and we 'll narrow the search for you, the consumer CIP... Before Applying for a U.S Bank credit card within the last 2 yrs you try walk. Chase reconsideration line phone numbers it could be the case that they may as well just you. Are Upgraded Points, a website that provides information and resources to travelers can. Got the automated message that chase would let me know the number for confirmation interests of our `` Department ''! Calls work sorry i 'm super new to credit i only have had line... 6 mo old yet i still have one acct reporting a Balch but overall is. In my original post that my utilization during the app was 38 according... On the 2nd of may, 2019 and i have not received a of! And i never heard anything let me know the number for confirmation if the conversation is n't going you... Routed to a chase freedom credit card applicants to request further review of application... Least a few questions and we 'll narrow the search for you favorite... Approve you currently applied for the sapphire family of credit cards out there many of these can. While you navigate through the website old yet available in our FICO Data Privacy Policy feeding you load.

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