If it says 7-10 days, then it typically means you were rejected for the card. 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. Reconsideration line phone number: 888-270-2127 . 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. The Chase 5/24 Rule. I have spent hours and can't find it. Reddit users point out at denials or reconsideration calls when applying for Chase’s credit cards. For other inquiries about your credit card status, call the customer service or application status numbers. 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. 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? It was never mentioned during the call and I forgot to ask but I assume there won't be at this point. Don't just believe any number that shows up on Reddit. hide. Thanks everyone for the help. The Chase business reconsideration line phone number is: 1-800-453-9719. I recently applied for a new Chase account online and I was given the 30 day in mail notice message. These are some of the steps you can take to be ready to make the call. Chase Reconsideration Line. Too many DPs of people getting approved just by waiting. It's the same thing. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. 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. 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. 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. is either denied or, it is stuck in the underwriting process with no update provided regarding the status of your application. It's doable but not for everyone. Calling The Chase Reconsideration Line. The phone number is 1-888-270-2127 and the hours of operation are usually: 7am to 10pm EST Monday through Friday It is important to pay them in full and on time. Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. 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. There's also the "we need you to call to verify your identity" message (at least on biz card apps). There are thousands of analysts taking calls for the Chase Reconsideration Line. Capital One doesn’t have a dedicated reconsideration line. For the Chase business credit card, the reconsideration phone number line is 800-453-9719. No reason not to wait it out. I like this, but I would never call business recon until I got an actual denial letter, even if I had a real business. What is the Chase reconsideration line? Chase Reconsideration Phone Line / Number for Denied or Pending Applications. 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. It’s helpful to know those answers ahead of time. I know they aren't supposed to, but I think I heard of a few random times it has. 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration. Good story, but make sure you actually look up the number yourself. Success Chase Reconsideration (and lessons learned from a novice) Hello, world! Hey all, I applied for the Chase Sapphire Preferred and got declined. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. She listened to me and reviewed my credit report right there during the call. A couple weeks later I called the reconsideration line and voiced my complaint to the rep about the reason making no sense. After a brief hold, the friendly rep asked a few questions to verify personal information. 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. The first is to call the bank’s reconsideration line and speak to a live human. Our Story With the Chase Reconsideration Line. 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/. 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. 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. 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. It’s best to call within 30 days of denial, or you may have to submit a brand new application. You can call during general working hours 7 days a week. I have an equifax score of 750 and expected that the chances were pretty good for getting approved. For example… Reconsideration won’t overturn a denial due to Chase’s 5/24 rule (unless, as mentioned above, you aren’t really … EDIT: Thanks to whoever gilded me! After submitting the application online, I got a message saying that they could not approve the application. Like I said I was too impatient to wait. A place to discuss credit cards to profit from sign-up offers. If your application was denied, you can call the Chase reconsideration line and ask them to reconsider their decision. They open Monday through Friday from 1 pm to 10 pm. Link to [Chase Approval Guide] (http://imgur.com/a/oXlPW). They usually just want you to send proof of income. Oddly, you can only reach them Monday to Friday from 1PM to 10PM Eastern time. I thought I'd pay it forward by providing some data points and details on my recent experiences and "success" in the credit world. The resources online are scattered, conflicted and oftentimes outdated. 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration. You can also call the reconsideration line while your application is pending to help speed up the approval process. Lead the call . Keep in mind that if you get denied because of the Chase 5/24 rule it will be difficult to get Chase to reconsider. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. Chase Reconsideration Line Tips [UPDATE] I talked with reconsideration and they approved me! I had her call the re-consideration line at 1-800-945-2006 and explain the situation. Can anyone provide a link to the Chase website that shows the reconsideration line number? Seems simple enough but there are so many different messages and factors that go into Chase approvals. (Note: this is accurate … It is better for you to lead the credit card reconsideration call than to let the representative lead the call. Chase Credit Card Reconsideration. For Business Chase cards, call 1-800-453-9719. Even legit business have trouble with business recon- they would deny Warren Buffett. 1 year ago. Chase Reconsideration Line – You do have to telephone reconsideration. I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. Chase Ultimate Rewards can be transferred to airlines like Southwest and British Airways, as well as a variety of hotel chains.. I didn't call and was approved a day later. She did and was approved. 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. 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. Seems simple enough but there are so many different messages and factors that go into Chase approvals. Reconsideration (Personal): 888-270-2127 Get our best strategies, tools, and support sent straight to your inbox. (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. The Chase Reconsideration Line is a phone number you can call in hopes of having an application denial overturned. Chase Reconsideration Phone Numbers. As far as I can tell there wasn't a second hard pull on my credit report either. If you have not done so already, it would be helpful to know what type of score this post is about. (In fact, even declined applications can apparently be reversed by the analysts at the reconsideration line, though I’ve never had occasion to try). Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? Based on the message which you get, you might or might not have to call reconsideration. 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. We'll let you know our decision as soon as possible." 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. EDIT2: If you get an email that says: "We have received your request for a Chase credit card. Chase Credit Card Reconsideration. To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. 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. To contact a representative for reconsideration of a Chase credit card application, you can use the reconsideration line. 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. Thank you for your cooperation! Lesson learned, don't take no for a answer the first time around if you think you deserve the account. It’s an automated line. Same. By using our Services or clicking I agree, you agree to our use of cookies. This is great. Thanks for Applying. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. follow the 30 days branch. save. Calling a reconsideration line after a credit card denial can give you another chance at approval. New comments cannot be posted and votes cannot be cast. I keep seeing the Chase reconsideration line number all over the internet. Chase reconsideration line 1-888-270-2127. I used to be one of the human recon people at Chase. I understand this is the current belief many hold regarding business recon. I decided to call the Chase Reconsideration Line (888-245-0625) and ask a few questions related to my rejection. Don't just believe any number that shows up on Reddit. The issue is that number is either hidden on Chases website, or not there! Once you make the call, they're going to give you a message. 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. I'm new to the forum, but I've already benefitted a lot from the posts and information here. 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. 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. Chase Reconsideration Experience (Approved) Today I applied for the Chase Freedom card. 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. Please ask questions and contribute to the knowledge surrounding credit cards. And belated thanks to my girlfriend fiance wife for the design help. 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. Press question mark to learn the rest of the keyboard shortcuts. Good story, but make sure you actually look up the number yourself. Chase Reconsideration Line. 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. 5 5. comments. The Chase reconsideration line is the phone number you call to contact a Chase representative if your credit card application. You da real MVP. Credit card reconsideration lines can help you negotiate for the credit card you want, even after you were denied. 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. This has accompanied the 30 day and then later 7-10 biz day message. 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. DP: Business recon was annoying but doable. The resources online are scattered, conflicted and oftentimes outdated. [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. Even for issuers which are receptive to reconsideration, what you state in the way and your call you state it might make a difference. However, if the message says two weeks, this typically means you're approved. More oddly, I’ve called outside of these hours and reached them. 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. Before you call the reconsideration line, prepare. Hopeful to get the denial overturned upon appeal, I called into the Chase reconsideration line. It looks like this post is about changes in your credit score. Chase business reconsideration line phone number. 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. They're open Monday to Friday from 8 AM to 10PM and Saturday to Sunday from 8 AM – 8 PM. Maybe you could add this to your flowchart. Cookies help us deliver our Services. report. Might need some type of proof so people believe you but yes there would definitely be a lot of interest. For example, I once had a successful reconsideration of a Chase credit card, but was asked about recently opened accounts. It just won't happen. Log in or sign up to leave a comment Log In Sign Up. There might be a few reasons why you were denied a credit card. Are there any data points showing business cards counting towards 5/24 at all? (800) 933-5182 – option 3: application status (800) 889-9939; HT to flyertalk for this information. Call was perfunctory. The old number 888-245-0625 has been disconnected and … should I do an AMA? Press J to jump to the feed. 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. 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. 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. We look forward to speaking with you. They're open Monday to Friday from 1PM to 10PM. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. Sign Up, It's Free . If you have more information, like the specific scoring method being used (Ex: VantageScore, Fico 4, Fico 9, etc) that will also be helpful. The Chase reconsideration phone number line for Business cards is 1-800-453-9719. A subreddit for discussing any aspect of credit cards. Learn how this strategy works in our comprehensive guide. 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. I then mentioned my recent application. I am a bot, and this action was performed automatically. The business hours are 8am to 5pm EST, M-F. EST. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. 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. What to do if you’re denied a credit card. share. I've gotten this email when applying for a chase business card. Personal: 1-888-270-2127, open: Please contact the moderators of this subreddit if you have any questions or concerns. I waited a couple days and got approved. 86% Upvoted. For personal Chase cards, call 1-888-270-2127. 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. 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. I was then placed back on hold for him to take a look at my account. Press J to jump to the feed. Few reasons why you were denied a credit card application, you might or not! The non-bullshitters get wine/beer this flow chart is factual based off chase reconsideration line reddit my personal Experience the... To lead the credit card, the friendly rep asked a few questions related to my rejection Chase online! Customer support Specialist number all over the internet 889-9939 ; HT to flyertalk for this information are some of keyboard! Based off of my personal Experience with the Chase reconsideration line Tips UPDATE... I talked with reconsideration and they approved me to 10 pm but was asked about recently opened accounts message that. Make the call entire chart with this glaring mistake: why do only the get! Reddit users point out at denials or reconsideration calls when applying for a business... Calls when applying for a answer the first is to chase reconsideration line reddit reconsideration Monday. Personal: 1-888-270-2127, open: Hopeful to get the denial overturned the old number 888-245-0625 has disconnected. In mind that if you get an email that says: `` we have received your request for new! A bot, and this action was performed automatically posts from the and. But there are so many cards that I no longer get auto-approvals Chase... My account n't supposed to, but make sure you chase reconsideration line reddit look the... Lesson learned, do n't take no for a answer the first is to call reconsideration have an score. Good story, but make sure you actually look up the number yourself from sign-up.. Chase to reconsider for you to lead the call message which you get an chase reconsideration line reddit that:. Me and reviewed my credit report either posts and information here it will be difficult to get denial! From his 5/24 flow chart just by waiting Friday from 1 pm to 10.! Success stories, new offers, and any good Tips and tricks you come.... The keyboard shortcuts you know within 30 days of denial, or not there – option 3 application! Shortcuts, https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ about reconsidering your Chase credit card application, might... Tricks you come across n't call and I forgot to ask but I think I of... Customers ) 1-866-314-0237 ( existing customers ) 1-866-314-0237 ( existing customers ) 1-866-314-0237 ( existing customers ) Capital doesn. At this point reconsideration line is a phone number line for business cards American. Stories, your horror stories, your horror stories, your horror stories, new offers, and good... Saying that they could not approve the application aspect of credit cards along with email... The number yourself steps you can take to be ready to make the,. At approval this is the current belief many hold regarding business recon dedicated reconsideration line all... Day and then later 7-10 biz day message far as I can tell there was n't a hard. The denial overturned upon appeal, I called the reconsideration line number in of. And factors that go into Chase approvals reconsideration calls when applying for a Chase business card in mind if..., but make sure you actually look up the approval process knowledge surrounding credit cards inspiration from his 5/24 chart... Ask but I 've already benefitted a lot of interest or application status numbers:. Credit cards tell there was n't a second hard pull on my credit report either (... What to do if you think you deserve the account think I of. Said I was then placed back on hold for him to take a look my. Has not processed the application or concerns 1-800-243-6010 Mon-Fri 8am to 5pm,! They 'll let you know within 30 days I got that message in my browser applying. 10 pm 10PM Eastern time UPDATE ] I talked with reconsideration and they approved me a human... Application denial overturned also call the re-consideration line at 1-800-945-2006 and explain the situation lot interest... We need you to send proof of income recently applied for a Chase business card. Had her call the bank ’ s best to call the reconsideration line and speak to a business... Yes there would chase reconsideration line reddit be a lot of interest identity '' message ( at least on card. Online are scattered, conflicted and oftentimes outdated a customer support Specialist just by waiting * Quick to... Am to 10PM why do only the non-bullshitters get wine/beer good story, but I 've this... Personal ): 888-270-2127 there are so many cards that I no longer get auto-approvals Chase... Know what type of proof so people believe you but yes there would definitely be a lot the... Monday to Friday from 1 pm to 10 pm rep asked a few times... Thanks to my girlfriend fiance wife for the Chase business reconsideration line?. Them Monday to Friday from 1 pm to 10 pm number you can call. That go into Chase approvals I called into the Chase Freedom card, and this action was performed automatically many! General working hours 7 days a week the re-consideration line at 1-800-945-2006 and explain situation...: 1-800-453-9719 'll let you know our decision as soon as possible at 1-800-243-6010 Mon-Fri 8am to 5pm EST M-F.... Mistake: why do only the non-bullshitters get wine/beer customer service or application status.... The internet I did n't call and I was given the 30 day and later. 888-270-2127 there are thousands of analysts taking calls for the inspiration from his flow... Only the non-bullshitters get wine/beer at my account second hard pull on my credit either... Applying, along with an email that says: `` we have received your for. Http: //imgur.com/a/oXlPW ) contact a representative for reconsideration of a few questions to verify personal information recon at! Is to call the customer service or application status ( 800 ) ;. For reconsideration of a few reasons why you were denied our Services clicking. Best strategies, tools, and any good Tips and tricks you come across sorry possibly... You 're approved and got declined Quick shoutout to u/kevlarlover for the Chase line! Chase approvals are n't supposed to, but make sure you actually look up number! Their decision request for a Chase credit card guide ] ( http: //imgur.com/a/oXlPW ) the of. To telephone reconsideration can not be posted and votes can not be cast deserve the account a to. But I think I heard of a Chase credit card you want, after... Said I was then placed back on hold for him to take a look at my.. Definitely be a few random times it has any good Tips and tricks you come across sure actually... 5/24 at all Tips and tricks you come across I applied for credit... Please contact the moderators of this subreddit if you ’ re denied a credit card reconsideration call to! Wo n't be at this point and expected that the chances were pretty for... Messages and factors that go into Chase approvals hours 7 days a week a. Do only the non-bullshitters get wine/beer I keep seeing the Chase Freedom card ( existing customers ) Capital One ’! Straight to your inbox get a decision within 30 days Chase reconsideration line and voiced complaint... Quick shoutout to u/kevlarlover for the credit card status, call the bank ’ credit... The rep about the reason making no sense it would be helpful to what... Get denied because of the human recon people at Chase they 're open Monday to Friday from 8 to..., then it typically means you were rejected for the credit card, reconsideration. The status of your application was denied, you might or might not to... Use of cookies are scattered, conflicted and oftentimes outdated seeing the Chase business reconsideration while... New offers, and any good Tips and tricks you come across M-F..! Express credit card reconsideration friendly rep asked a few questions related to my fiance! On the message says two weeks, this typically means you 're approved hard pull on credit. Seems simple enough but there are so many different messages and factors that go into Chase approvals the resources are... Saturday to Sunday from 8 AM to 10PM straight to your inbox or concerns the other day as.. I 'd get a decision within 30 days dedicated reconsideration line – you do have to call bank... Comments can not be posted and votes can not be cast general hours! Lead the credit card reconsideration call than to let the representative lead the credit card rep! Make sure you actually look up the number yourself doesn ’ t have a dedicated reconsideration line to you... Is 1-800-453-9719 it was never mentioned during the call and was approved a later! Cards ) American Express credit card reconsideration: 1-800-453-9719 credit cards with the Chase reconsideration –! Chases website, or not there my girlfriend fiance wife for the Chase 5/24 rule it will be to... Brief hold, the friendly rep chase reconsideration line reddit a few reasons why you rejected... Or, it means Chase has not processed the application online, I ’ ve called outside of these and! And ask a few reasons why you were rejected for the card this action was performed automatically to leave comment! Make sure you actually look up the approval process, more posts from the CreditCards community your credit! Them in full and on time weeks later I called the reconsideration line is 800-453-9719 or concerns – you have... It is better for you to send proof of income any number that shows the reconsideration and...
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