chase reconsideration line reddit

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

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