At the very least, each rejection teaches me something new about the specific card/issuer, or the state of travel rewards as a whole. A menu will pop up along the left side of your screen. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. I applied for a Chase credit card with only one credit card opened by me within 2 years and 5 credit cards opened by my husband where he added me as an authorized user (he adds me to every one of them) and I was denied. This was my first time calling a reconsideration line, and I'm not really sure what do do next. I googled Chase’s reconsideration number (found on Doctor of Credit) and called them up. Oftentimes, I’ve been able to get a rejection overturned by calling the reconsideration line, but it doesn’t always work. Also, you should know that being an authorized user will count toward your 5/24 in most cases. Doctor of Credit has an article suggesting you can get the bonus multiple times with multiple EINs. Image Credit: Chase. Choose from our Chase credit cards to help you buy what you need. It is a very low credit limit ($500), however hopefully I can raise that in about 6 months I was hoping for a higher CL, but I am just happy to be approved For instance, there are data points that suggest that the Hyatt Credit Card from Chase is not subject to the 5/24 rule. However, if the message says two weeks, this typically means you're approved. The next day I called the reconsideration line to ask if they could take a second look my application. I have never had any sort of loan or line of credit and basically don't exist for the purposes of a FICO score. When should I apply? Before you call, here are cases where a call will NOT WORK: (know this before you apply next time!) You have been warned… Good evening everyone. I told them that I wanted the card because I heard Chase credit cards are great and that in the future I want to get the Sapphire Preferred. Reconsideration won’t overturn a denial due to Chase’s 5/24 rule (unless, as mentioned above, you aren’t really over 5/24 because your credit report hasn’t updated yet). To check an application on a Chase personal credit card, call the cardmember services application status line at 800-338-2586. It’s helpful to know those answers ahead of time. Did you call Chase Reconsideration phone number? Vote Up 0 Vote Down Reply. If you have opened five or more credit cards in the last 2 years and you are applied for a Chase card that is not on the above list, such as the Chase Sapphire Preferred Reserve card, don't bother calling the reconsideration line, you will not be approved. If your credit card application is denied, you may be able to plead your case to a representative through the bank's reconsideration line. Scroll all the way down to the bottom, and you will see a tab that says Application Status. Success Chase Reconsideration (and lessons learned from a novice) Hello, world! Mortgages. Once you make the call, they're going to give you a message. I prefer it as your first Chase card, if you have credit history and a score of 680+. Two of the 5 recent cards (within last 2 years) for me were cards that I am an authorized user on, one of which I did not want to be on (a parent added me to it without consulting me first). by Demflyers. I've heard that the 30 day notice from Chase isn't a good thing, but I really want to turn this "no" into a yes. 1-888-245-0625 (reconsideration line for personal cards, open 7 days) 1-800-453-9719 (reconsideration line for business cards, only open M-F) Citibank Credit Card Reconsideration. My recommendation specifically for Chase business credit cards and charge cards is to NOT call the reconsideration line (800-453-9719). After you log in to your account, click on the icon in the top left corner that looks like a column of lines. You are responsible for your credit history and credit scores. These are some of the steps you can take to be ready to make the call. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. Calling The Chase Reconsideration Line. I thought I'd pay it forward by providing some data points and details on my recent experiences and "success" in the credit world. Reconsideration line phone number: 888-270-2127 . Personal credit card line: 888-270-2127 . To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. I found this one very interesting. my bg: credit score 690 , average credit history is around 5 years, no items in collections. Either get a card from another bank, consider one of the cards on the above list or just hold off until you are clear of the 5/24 situation. The resources online are scattered, conflicted and oftentimes outdated. Chase | Ultimate Rewards - Chase reconsideration after dropping below 5/24 (or reducing credit lines)? Chase Reconsideration Line. 1-800-763-9795 (credit department…only call if you’re a masochist) It’s best to write a letter to: Citibank Executive Review Department, P.O. But you can often argue this point via the reconsideration line to get approved. If your credit card approval is pending with Chase and you want to learn more immediately, you can contact customer support to inquire about the details surrounding the decision. Check out 609 Credit repair https://609creditrepair.com/ where we have credit repair letters that work and help you dispute items on your credit report! Clyn6 #873594. There might be a few reasons why you were denied a credit card. Sometimes a credit card application gets rejected or put into a pending review status because the information in the application cannot be verified. Reconsideration (Personal): 888-270-2127; Reconsideration (Business): 800-453-9719; To check the status of your Chase credit card application, you can call the general customer service number or dedicated application status line. - I realize I messed up with my applications, and I'm now not sure what the best course of action is from here. I wasn’t present for the call, but she told me the agent was very clear: “You’re score is fine, you have a perfect credit history, but it just isn’t long enough. Why do I want the card? I prefer early in your Chase history. If Chase rejects your applications, you can call the reconsideration line. I only have the Chase Amazon Prime with a credit limit of $20000. It is better for you to lead the credit card reconsideration call than to let the representative lead the call. Chase Credit Card Reconsideration. Here is what I did: 1) Early Jan - Apply for UA Explorer card days after the two year anniversary of my I had her call the re-consideration line at 1-800-945-2006 and explain the situation. Called Reconsideration Line at 18882702127 at 7am and the Chase rep asked me to verify my income because in my chase account I listed my income at $116k and when I applied I listed it as $120k. Sounds like it will only work if you’ve already called in since you need an excuse to demand that the front-line rep sends it up a supervisor. Credit card reconsideration lines can help you negotiate for the credit card you want, even after you were denied. If you’ve been declined after applying for a Chase credit card, depending on the reason, there may be hope! Phone. My research led me to decide on trying for a Chase duo, the Freedom Unlimited Card and the Sapphire Preferred/Reserve - most of my monthly spend is on dining and I travel a decent amount. Seems simple enough but there are so many different messages and factors that go into Chase approvals. Chase Reconsideration Line. We’ve had to call twice and were approved both times. Customer … Chase Freedom card - reconsideration? Chase “5/24 Rule” – For Chase credit cards, there's a 5/24 Rule. Vote Up 0 Vote Down Reply. Before you call the reconsideration line, prepare. h/t Doctor of Credit for the most updated list of recon numbers. For other inquiries about your credit card status, call the customer service or application status numbers. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. As part of your reconsideration request, you might need to verify your current address and identity or provide documentation about your income. I had two credit cards that I put a few recurring purchases on each month and pay off the balance monthly, but wasn't getting any cash back or points on. To speak to a representative about reconsidering your Chase credit card application, call the reconsideration line. Plus, get your free credit score! Whenever I get the dreaded "We'll notify you in 30 days" screen after submitting a Chase app, my immediate reaction is to call the automated status line to check in. During one of my recent mini-app-o-ramas I didn't want to deal with all the potential questions. December 24, 2019, 12:01 12:01 pm. Click on this to check the current status of your Chase credit card application. Re: Chase reconsideration line (my first time) I just called the automated system and I have been approved!! How Credit Card Application and Reconsideration Lines Work. They asked me some questions like what would I use the card for? Calling a reconsideration line after a credit card denial can give you another chance at approval. 1 week later, I was surprised to receive an email from Chase congratulating me on my new Chase business credit card. This is the lowest approval score per a BRM. Chase Credit Card Application Status. Learn how this strategy works in our comprehensive guide. Any suggestions? I'm new to the forum, but I've already benefitted a lot from the posts and information here. I forgot to update my income in my chase account so she said that was why it was pending. Lead the call . We can help you find the credit card that matches your lifestyle. For example, I once had a successful reconsideration of a Chase credit card, but was asked about recently opened accounts. Chase Reconsideration Line. Last month, I wrote July 2015: My 8 Credit Card App-O-Rama Game Plan and I shared my plans/reasoning for applying for the below 8 credit cards. Reconsideration (Personal): 888-270-2127 In this article, we’ll list a few things to do after receiving a denial, as well as reconsideration lines for a few major card providers. January 12, … I insisted that I did not want/need any more available credit and that I was more than happy to move available credit from 1 or more existing Chase personal credit cards. I just waited, and waited, and waited. What to do if you’re denied a credit card. To contact a representative for reconsideration of a Chase credit card application, you can use the reconsideration line. Warning: if you are just starting out with rewards-earning credit cards, please do not apply for several credit cards at the same time. Chase Reconsideration by Secure Message does work! Called the recon line and spoke to someone who told me they declined it because I had too many new credit cards (referred to in online forums as the 5/24 rule). Hi all, I just applied for a Chase Freedom card and am now regretting the decision, as I don't think I will be approved due to my lack of credit history. Before you call, here are cases where a call will not WORK: ( this. 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