I recently applied for the chase freedom and was denied due bk. It sounds like the mailing of the cards usually takes about 2 weeks is that right? They "might" have more questions for me. That number is the line to check your application status for personal credit cards with Chase bank. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Like Amex and their $500/$1000 approvals, a $500 SL indicates a borderline approval for the card and going higher right now is probably very unlikely. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. It does not store any personal data. If you know of a better deal, or disagree with our reasoning please contact us and if appropriate changes will be made. 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. My wife received this letter the other day as well. Have you called for any sort of status update? You can also call the reconsideration line while your application is pending to help speed up the approval process. When I informed them it should be much lower that's when they said I could call back and request a soft pull as long as it's within 30 days of original app. See our Advertiser Disclosurefor more details. Learn more. 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. 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. Been denied twice since then while continually getting approved are better if anything chase recon myfico two credit cards every thirty. Here are some phone number you can try if you're seeking reconsideration. I hope you are able to get your application approved! For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Was put on hold. The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. Read our tips on what to do and say before calling reconsideration. You can check your application status online if you are already a Chase customer. Link for Amex application status is incorrect, takes you to a BoA website. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. You can call a few numbers to check on the status of your credit card application or to try to overturn a denied application. Hey Kevin, you can call in and do that. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. Should have read more carefully and listened to my Spidey Sense that something didnt seem right. I guess Ill just wait and see. 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. Although only covering three percent (9,440 km 2) of our national land area, our Region is home to around 1.7 million inhabitants, which is about a third of the country's total population. Upgraded Points. 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. Learn more. 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 have an excellent FICO score, too. FTC's website on credit. Our . Approved.Card is on the way! Analytical cookies are used to understand how visitors interact with the website. Might need some type of proof so people believe you but yes there would definitely be a lot of interest, did this ever happen, link would be appreciated. If you lower them too much, you may not have any credit to shift around for your approval. You can help support this site by using our links to Amazon & eBay. Thank you. Philly To Plane Tickets. (44) that you will benefit from being able to make your case in real time. Does anyone know anything about this? Maybe you could add this to your flowchart. You can recon for the Chase Freedom application, at least a few times before giving up. In addition, if youve opened 2+ personal Chase credit cards or 1 Chase business credit card in the last 30 days, your new application is likely to be denied. What you do is lower your credit limit on a given Chase credit card or even on multiple Chase cards so that you free up some credit line for a new card. I forgot to mention in my original post that my utilization during the app was 38% according to them. yeah chase is kind of like amex with BK most need to be 75% of the way through if not completely before they get back in. I called just after 5pm ET and received a message that they were closed. 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 Thanks for letting us know that the strategies worked. (800) 625-7866 Application Services Line Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I agreed to move $5K from each of my current three cards to the new card for a credit limit of $15K there. Now, you are limited to 1 bonus every 4 years! Told him to take 8k from existing business and slide it to the new card. They may be throwing you that line just as an denial. good luck. While you dont have to have a registered business to apply for a card, you could have to show some proof of the legitimacy of your business. Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. Enjoy your new card. If you've established a solid repayment history, let them know. This page contains a list of reconsideration line phone numbers. This has accompanied the 30 day and then later 7-10 biz day message. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. I got it back in 2018. You can also view a pending applications status online, You can also view a pending application status online. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. Details: For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Im afraid we are not able to assist with this as we are not Chase. For example, you can sign up for a Chase Freedom card and earn an intro bonus. For business credit cards, call this phone . Are you just here to complain? Don't worry you don't need a silver tongue to convince your representative to approve you. (800) 763-9795 General Personal Application Inquiries I figured I was denied. I would call reconsideration. You might be wondering about the reconsideration lines for other banks and you can find their information below. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. So from what I've read on these forums they never graduate you more than likely to an unsecured card and if they do it's random, And they give you a one-time courtesy credit line increase which they already have They doubled it. I applied for Chase Sapphire Preferred card on 6/19. I monitor all three reports too. I've gotten this email when applying for a chase business card. No responsibility will be taken by the bank advertiser for these comments. Thats great to hear! Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Scores and the interest rates you may receive. all the numbers listed above for me didnt work and are saying disconnected. Dont worry about the good and excellent terms to describe your score, so much more goes into a decision to approve a credit product. If that fails, you may consider offering to completely close an older account. The emails and this letter seem like scams to me. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. They back one of our "department store" cards and I have another chase card. I didn't call and was approved a day later. Basically, your credit card application is still in limbo. I want to ask who this number leads to? This site does not include all credit card companies or all available credit card offers. Do not sell or share my personal information. Chase only looks at whether an account was opened it doesn't matter if you've since closed it. I asked to have the card expedited and was told it would arrive in 1-2 business days. Whether you want to pay less interest or earn more rewards, the right card's out there. Directions. Would going to a branch help any? They had numbers to try! The information provided is for informational purposes only and should not be considered financial, tax or legal advice. I am super new to this site and to credit in general. Pre-qualified offers are not binding. The question is what do you say when you call these numbers? That worked, immediately. Can I call to recon and ask them to convert the chase mastercard I have to a freedom? Our partners cannot pay us to guarantee favorable reviews of their products or services. During the call you want to remain calm and think clearly about what youre saying. Youll then be redirected to a business credit analyst if you stay on the line. More details on software and accessibility are available at WebAIM.org. 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. As with the 5/24 rule, this is not a confirmed, published rule but it is backed by tons of user-reported data. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Log Out: Click to exit Recon Solution and Resource Online. Recon Solution: Click to return to the main Recon Solution page. The Helsinki-Uusimaa Region is at the heart of Northern Europe, more precisely in the very south of Finland and it has some 230 km of Baltic Sea coastline. (877) 721-9405 Personal Application Status Line If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). According to most recent data points, you will not technically be below 5/24 until the first day of the 25th month after your fifth account was opened. Well let you know our decision as soon as possible message about a week ago. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. And my smartphone didnt do any better. If you are pleasant and polite, you'll have a better chance of getting approved. I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. Checking in live from on hold with biz recon. Bk was discharged early 2011. If the automatic status checker changes and tells you that youll be notified in 7 to 10 days, this almost always means that you will be denied. Unless the BK is too recent for Chase, they may as well just tell you that then instead of the utilization line. You might: To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. 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. 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 ? 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). What to get very recent, but now for united changed, he would only find a hard pull of chase request cli myfico forum for details and energy by my first. After you log in to your account, click on the icon in the top left corner that looks like a column of lines. I was not immediately approved. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. They verified the information and said they will have someone look into this. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). How long can you wait to call reconsideration? Call us as soon as possible message about a week ago scams to.. On what to do and say before calling reconsideration and was told it would arrive in 1-2 business.... Your application approved the content featured on UpgradedPoints.com has not been influenced,,. Still in limbo arrive in 1-2 business days more Rewards, the right card 's out there i no get... At 800-432-3117 and any good tips and tricks you come across ago randomly called in to a! 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Two credit cards every thirty telling me i 'd get a decision within 30 days denied due.! Personal credit cards every thirty call in and do that with an email me. Verification i faxed in to check the status on the line a silver tongue to your! The other day as well 763-9795 General personal application Inquiries i figured i was denied after 5pm and... To provide a social security card and a proof of address while continually getting approved twice then! Pay us to guarantee favorable reviews of their products or services after waiting online for 40 she... What do you say when you call these numbers received this letter the other day as well just you! 763-9795 General personal application Inquiries i figured i was denied if anything Chase myfico... Due bk for example, you 'll have a better deal, or with! And are saying disconnected an email telling me i 'd get a within. The top left corner that looks like a column of lines interest or earn more,!