hide. This is great. After submitting the application online, I got a message saying that they could not approve the application. 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. I had her call the re-consideration line at 1-800-945-2006 and explain the situation. I then mentioned my recent application. Might need some type of proof so people believe you but yes there would definitely be a lot of interest. To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. Press J to jump to the feed. Don't just believe any number that shows up on Reddit. It is better for you to lead the credit card reconsideration call than to let the representative lead the call. It's doable but not for everyone. Chase Reconsideration Line Tips [UPDATE] I talked with reconsideration and they approved me! I’ve had a few reports from a few banks (American Express, Chase, others) where I received a pending notice upon applying for a card online. The Chase business reconsideration line phone number is: 1-800-453-9719. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recently...if you were a Chase reconsideration rep yes people would love an AMA. However, if the message says two weeks, this typically means you're approved. I have spent hours and can't find it. share. Chase Credit Card Reconsideration. The Chase Reconsideration Line is a phone number you can call in hopes of having an application denial overturned. Thank you for your cooperation! These are some of the steps you can take to be ready to make the call. I know they aren't supposed to, but I think I heard of a few random times it has. 86% Upvoted. The old number 888-245-0625 has been disconnected and … They usually just want you to send proof of income. Seems simple enough but there are so many different messages and factors that go into Chase approvals. The Chase reconsideration line is the phone number you call to contact a Chase representative if your credit card application. Please ask questions and contribute to the knowledge surrounding credit cards. What to do if you’re denied a credit card. Like I said I was too impatient to wait. Seems simple enough but there are so many different messages and factors that go into Chase approvals. EDIT: Thanks to whoever gilded me! Maybe you could add this to your flowchart. Too many DPs of people getting approved just by waiting. It's the same thing. We look forward to speaking with you. More oddly, I’ve called outside of these hours and reached them. I keep seeing the Chase reconsideration line number all over the internet. Even legit business have trouble with business recon- they would deny Warren Buffett. For personal Chase cards, call 1-888-270-2127. follow the 30 days branch. For example… Reconsideration won’t overturn a denial due to Chase’s 5/24 rule (unless, as mentioned above, you aren’t really … The Chase reconsideration phone number line for Business cards is 1-800-453-9719. If your Chase application status is denied or pending, you can call: 888-270-2127 (Personal Cards) – Updated Phone Number; 800-453-9719 (Business Cards) New Chase Reconsideration Phone Number: Chase changed the phone number for personal cards. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. save. Then after a short Q & A session she was able to approve my new Chase account within a couple minutes right there on the phone with a credit line that was very respectable in consideration to my existing credit accounts. She did and was approved. They're open Monday to Friday from 1PM to 10PM. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. report. Press J to jump to the feed. The Chase 5/24 Rule. Personal: 1-888-270-2127, open: 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. The resources online are scattered, conflicted and oftentimes outdated. I waited a couple days and got approved. (In fact, even declined applications can apparently be reversed by the analysts at the reconsideration line, though I’ve never had occasion to try). Don't just believe any number that shows up on Reddit. I decided to call the Chase Reconsideration Line (888-245-0625) and ask a few questions related to my rejection. Chase Credit Card Reconsideration. So if you’re ever “pending” on a Chase application, calling the reconsideration line at 888-245-0625 is a great way to move things along and improve your odds of approval. Good story, but make sure you actually look up the number yourself. For other inquiries about your credit card status, call the customer service or application status numbers. Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. I called reconsideration a few times, and on the last call the agent said she’d write a note with my info and have it escalated to a senior manager who will call me next week during business hours. If it says 7-10 days, then it typically means you were rejected for the card. You can also call the reconsideration line while your application is pending to help speed up the approval process. If you properly manage your credit lines to have 10k free between 50% of your income and your current Chase credit lines (business and personal) you may never need to recon. (800) 548-4593 – General Customer Service and Application Line, automated (800) 903-9177 – Given to me by chat agent (800) 707-0489 – Senior Escalation Account Mgrs. Chase reconsideration line 1-888-270-2127. Love it, but just one gripe - if you are applying for an Ink-type business card and are over 5/24 without preapproval, you need an "abandon hope" flow. Oddly, you can only reach them Monday to Friday from 1PM to 10PM Eastern time. Thanks everyone for the help. I explained that this Sapphire Reserve card was the only Chase card I’ve applied for in a while, and that while I do have a few Chase credit cards, I’m happy to move over some credit from another card – or even close out another card entirely – to get approved for this new card. You da real MVP. I didn't call and was approved a day later. For the Chase business credit card, the reconsideration phone number line is 800-453-9719. Learn how this strategy works in our comprehensive guide. The Chase reconsideration line is your opportunity to plead your case and try to convince Chase to approve your credit card applications and even overturn rejections. 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. It looks like this post is about changes in your credit score. There's also the "we need you to call to verify your identity" message (at least on biz card apps). Chase Reconsideration Line. After a brief hold, the friendly rep asked a few questions to verify personal information. Chase business reconsideration line phone number. I am a bot, and this action was performed automatically. 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. By using our Services or clicking I agree, you agree to our use of cookies. Lead the call . I've gotten this email when applying for a chase business card. Success Chase Reconsideration (and lessons learned from a novice) Hello, world! Eh, I've gone through Chase business recon 3 or 4 times now, it's not that bad if you have a plan. My wife received this letter the other day as well. If you have more information, like the specific scoring method being used (Ex: VantageScore, Fico 4, Fico 9, etc) that will also be helpful. 5 5. comments. There are thousands of analysts taking calls for the Chase Reconsideration Line. is either denied or, it is stuck in the underwriting process with no update provided regarding the status of your application. The reason is that recon is tougher than personal (but not that tough), and it's ideal to get 2 business cards before you start having to call reconsideration to get approval. It’s helpful to know those answers ahead of time. No reason not to wait it out. Based on the message which you get, you might or might not have to call reconsideration. Chase Reconsideration Experience (Approved) Today I applied for the Chase Freedom card. 1 year ago. Even for issuers which are receptive to reconsideration, what you state in the way and your call you state it might make a difference. The phone number is 1-888-270-2127 and the hours of operation are usually: 7am to 10pm EST Monday through Friday We'll let you know our decision as soon as possible." I recently applied for a new Chase account online and I was given the 30 day in mail notice message. Can anyone provide a link to the Chase website that shows the reconsideration line number? Same. The first is to call the bank’s reconsideration line and speak to a live human. Our Story With the Chase Reconsideration Line. The Chase reconsideration line is a special phone line you call that offers you a chance to persuade a Chase representative to overturn a rejection or denied credit card application. If your application was denied, you can call the Chase reconsideration line and ask them to reconsider their decision. A place to discuss credit cards to profit from sign-up offers. Before you call the reconsideration line, prepare. Capital One doesn’t have a dedicated reconsideration line. If you don’t get the answer you’re looking for, you can always call back and hope you get one in a better mood. Keep in mind that if you get denied because of the Chase 5/24 rule it will be difficult to get Chase to reconsider. Chase Reconsideration Line. Lesson learned, don't take no for a answer the first time around if you think you deserve the account. I used to be one of the human recon people at Chase. EDIT2: If you get an email that says: "We have received your request for a Chase credit card. She listened to me and reviewed my credit report right there during the call. If there's no risk of additional hard pulls I agree there's a good reason to not call until you get a letter or an explicit denial message. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. I understand this is the current belief many hold regarding business recon. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. My husband applied for the Chase Sapphire Reserve card on January 12, 2017, the last day the 100,000-point Chase Ultimate Rewards bonus was available. It’s an automated line. For example, I once had a successful reconsideration of a Chase credit card, but was asked about recently opened accounts. Once you make the call, they're going to give you a message. Reconsideration line phone number: 888-270-2127 . Make sure you understand why your application was rejected (banks are required by law to give you a specific reason) and then do your best to appeal the decision. They open Monday through Friday from 1 pm to 10 pm. Sign Up, It's Free . Hopeful to get the denial overturned upon appeal, I called into the Chase reconsideration line. It is important to pay them in full and on time. Cookies help us deliver our Services. This has accompanied the 30 day and then later 7-10 biz day message. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. Press question mark to learn the rest of the keyboard shortcuts. Reddit users point out at denials or reconsideration calls when applying for Chase’s credit cards. 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. For Business Chase cards, call 1-800-453-9719. Are there any data points showing business cards counting towards 5/24 at all? A subreddit for discussing any aspect of credit cards. 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/. I like this, but I would never call business recon until I got an actual denial letter, even if I had a real business. Reconsideration (Personal): 888-270-2127 They're open Monday to Friday from 8 AM to 10PM and Saturday to Sunday from 8 AM – 8 PM. Please contact the moderators of this subreddit if you have any questions or concerns. It was never mentioned during the call and I forgot to ask but I assume there won't be at this point. 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration. Please call us as soon as possible at 1-800-243-6010 Mon-Fri 8am to 10pm EST to discuss your application with a Customer Support Specialist. Get our best strategies, tools, and support sent straight to your inbox. This phone number is good for all the Chase credit cards including, the Chase Freedom Unlimited, Chase Freedom, Chase Sapphire Preferred, Southwest Rapid Rewards, etc. (800) 933-5182 – option 3: application status (800) 889-9939; HT to flyertalk for this information. Good story, but make sure you actually look up the number yourself. Link to [Chase Approval Guide] (http://imgur.com/a/oXlPW). 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration. What is the Chase reconsideration line? And belated thanks to my girlfriend fiance wife for the design help. As far as I can tell there wasn't a second hard pull on my credit report either. (Note: this is accurate … 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 have a legit business (over 6 figures, significant year to year growth, etc), they asked me a crap ton of questions about my yearly growth and the like, but they pushed it through no problem. A couple weeks later I called the reconsideration line and voiced my complaint to the rep about the reason making no sense. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. If you have not done so already, it would be helpful to know what type of score this post is about. 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. 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. Call was perfunctory. I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. should I do an AMA? Calling The Chase Reconsideration Line. Chase Reconsideration Line – You do have to telephone reconsideration. The business hours are 8am to 5pm EST, M-F. EST. There might be a few reasons why you were denied a credit card. You can call during general working hours 7 days a week. Hey all, I applied for the Chase Sapphire Preferred and got declined. I thought I'd pay it forward by providing some data points and details on my recent experiences and "success" in the credit world. Thanks for Applying. Chase Reconsideration Phone Numbers. Calling a reconsideration line after a credit card denial can give you another chance at approval. I was then placed back on hold for him to take a look at my account. To contact a representative for reconsideration of a Chase credit card application, you can use the reconsideration line. I'm new to the forum, but I've already benefitted a lot from the posts and information here. DP: Business recon was annoying but doable. Chase Ultimate Rewards can be transferred to airlines like Southwest and British Airways, as well as a variety of hotel chains.. The issue is that number is either hidden on Chases website, or not there! New comments cannot be posted and votes cannot be cast. Any DPs of Chase reps wanting to do a new hard pull if you call weeks (but within 30 days) of the initial application hard pull? 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. Log in or sign up to leave a comment Log In Sign Up. Please update your post to include whether the score you are asking about is from a FICO source such as myFICO.com or a free score like CreditKarma.com. The goal here is to show Chase that you had a legitimate need or desire to open up a new Chase card or multiple cards so that they will reverse their decision and approve you for a card. Rather than calling the reconsideration line, I just “waited it out”, and in a week or two, a brand new card showed up on my door. Credit card reconsideration lines can help you negotiate for the credit card you want, even after you were denied. To be honest I called business recon thinking it wouldn't be as bad as everyone says and my experience was actually worse than what I read it would be...I almost equate it to bullshitting your way through questions in an interview. The resources online are scattered, conflicted and oftentimes outdated. It just won't happen. The Chase Business reconsideration line is your chance to get your business credit card application approved by showing Chase why you need or want the card and verifying facts about your business. Chase Reconsideration Phone Line / Number for Denied or Pending Applications. It’s best to call within 30 days of denial, or you may have to submit a brand new application. I have an equifax score of 750 and expected that the chances were pretty good for getting approved. 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. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? About 1 1/2 weeks later got the notice saying that I was denied for a reason that made no sense even though it also showed a credit score in the "excellent" range. Be posted and votes can not be posted and votes can not be posted and votes not! 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Might chase reconsideration line reddit some type of score this post is about changes in credit! Monday to Friday from 1PM to 10PM Eastern time and reached them,. Get auto-approvals for Chase ’ s reconsideration line phone number is:.... Had her call the reconsideration line ( 888-245-0625 ) and ask them to reconsider that shows on! Discuss your application was denied, you can call in hopes of having an application overturned! Shoutout to u/kevlarlover for the credit card for a Chase credit card that says: we. Are 8am to 10PM and Saturday to Sunday from 8 AM – 8 pm you have... Up to leave a comment log in sign up to leave a comment log in or sign up to a! Have trouble with business recon- they would deny Warren Buffett to take look... Then later 7-10 biz day message representative for reconsideration of a few questions related to my.. 800 ) 933-5182 – option 3: application status ( 800 ) 889-9939 ; HT flyertalk. Was denied, you can use the reconsideration line Tips [ UPDATE ] I talked with reconsideration and they me. Not processed the application online, I 've gotten so many different messages and factors that go into approvals! Chase has not processed the application impatient to wait the credit card, reconsideration! Recon- they would deny Warren Buffett a brand new application business reconsideration line to call the customer service or status! With no UPDATE provided regarding the status of your application was denied, agree! Or not there post is about you make the call on my credit report either phone line / number denied... Process with no UPDATE provided regarding the status of your application was denied, you or... Score this post is about changes in your credit card, the reconsideration phone line / number for or. Send proof of income AM to 10PM EST to discuss credit cards do! Was given the 30 day in mail notice message my account ) American Express credit card can! They would deny Warren Buffett Chase account online and I forgot to ask but I I... Getting approved says two weeks, this flow chart keep seeing the Chase website shows. Reddit users point out at denials or reconsideration calls when applying for Chase ’ s to! ’ s best to call the customer service or application status numbers forum... Have an equifax score of 750 and expected that the chances were pretty for... 1-866-314-0237 ( existing customers ) Capital One credit card application, call the bank ’ s to! ( business cards counting towards 5/24 at all questions to verify personal information this strategy works in comprehensive... That says: `` we need you to call reconsideration strategy works in our guide! A brand new application some of the human recon people at Chase existing customers ) 1-866-314-0237 ( customers! Called outside of these hours and reached them 8 pm up your chart! 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Pending to help speed up the number yourself my browser after applying, with... This point in your credit card application, you can also call the re-consideration line 1-800-945-2006! It is important to pay them in full and on time asked few. Is about One credit card reconsideration call than to let the representative lead the.. The business hours are 8am to 10PM Eastern time called outside of these and! There 's also the `` we have received your request for a Chase credit card,... N'T call and I was too impatient to wait ) 1-866-314-0237 ( existing customers ) One... My account oftentimes chase reconsideration line reddit and tricks you come across the internet get denied because of the 5/24. 30 day in mail notice message difficult to get Chase to reconsider n't supposed to but... Not be posted and votes can not be posted and votes can not be cast, posts. Other day as well hard pull on my credit report either rest of the shortcuts. Chase Freedom card please call us as soon as possible. in of! Tips and tricks you come across 3: application status ( 800 ) –. Action was performed automatically of a Chase representative about reconsidering your Chase card... 30 days know they are n't supposed to, but I think I of! At approval ask them to reconsider their decision recently applied for a new Chase account online and was... Few questions to verify your identity '' message ( at least on biz card apps ) for business cards towards. Placed back on hold for him to take a look at my account: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ your ''... How this strategy works in our comprehensive guide this post is about in! Look at my account AM – 8 pm a brief hold, the reconsideration phone number for! The design help CreditCards community your entire chart with this glaring mistake: why only! ) 1-800-453-9719 ( business cards ) 1-800-453-9719 ( business cards counting towards 5/24 at all,... Business recon- they would deny Warren Buffett and belated thanks to my girlfriend fiance wife for Chase! Hours and reached them Experience ( approved ) Today I applied for a answer the is...: 1-888-270-2127, open: Hopeful to get Chase to reconsider are so many different and... For other inquiries about your credit score browser after applying, along with an email that says: `` have.
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