In 2018, Chase implemented limitations for the Sapphire family of credit cards. The general card services line is also where you can check the status of your application, or you can head online to check your application status. Learn more. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo. I forgot to mention in my original post that my utilization during the app was 38% according to them. Wow, IT for Bank of America customer support service is really bad. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Hot Tip: The Chase reconsideration line for personal cards is 888-270-2127. I got it back in 2018. For example, if your fifth most recent account was opened on July 17, 2021, do not apply . 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. Stockton. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. (800) 707-0489 Senior Escalation Account Mgrs. You can check your status online if you are a current Chase customer. Please call us at 1-800-567-1083 if you'd like us to review our decision. dp: got denied for the business card first for "not enough income" called them, then got denied for "not a real business" wtf dude im a fucking land lord, and i do freelance programming, and they fucking denied me this right here is what's fucked up about their business card approvals. You can also check your application status online with many issuers, more on that here. Youll automatically be routed to a Barclays personal credit analyst. Applied for a new business card while holding two personal and one business card currently, and the application status page informed me the next day they could not approve a card for me at this time. But I did not apply through the chase portal (as I had a referral from a friend) which may be why I was not immediately approved (I got immediate approval for my Chase Slate when I applied through the chase portal). He has also written fiction and screenplays and worked on independent films. I'd rather have a freedom. This cookie is set by GDPR Cookie Consent plugin. You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. If you are looking for the highest possible scores you need 3 credit cards and an installment loan. I didn't call and was approved a day later. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. Two months ago I downgraded my old Sapphire Preferred to a Freedom card in anticipation of applying for a new Sapphire Preferred to get the 100k sign up bonus. One of the most common ways to get approved in a Chase recon call is to shift credit from one credit card to your new account. Thank you. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. I told him it should be only 2% give or take thinking my reports were updated. How long will it take for the card to ship? Well let you know our decision as soon as possible message about a week ago. I guess I miss times when my reports were to be updated. I waited a couple days and got approved. Gotta get to work on my holiday shopping to earn those bonus points! (866) 606-2787 General Application and Account Questions, U.S. Bank If need be, ask if you can transfer credit from another older account to create the new one. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Pre-qualified offers are not binding. . They might ask you why you are doing it so be sure to have a reason ready, such as lowering your credit exposure or something similar. This cookie is set by GDPR Cookie Consent plugin. If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. This isn't always possible. If you know of a better deal, or disagree with our reasoning please contact us and if appropriate changes will be made. The emails and this letter seem like scams to me. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. shub_08 2 yr. ago. So I'm back on hold again waiting for an answer. Don't waste an inquiry. The business hours are 8am to 5pm EST, M-F. EST. Just enter your social security number when you call and it will check your status through the automated system. Terms of Service apply. (866) 458-8805 General Account and Reconsideration Line Diego Just cover all tools and chase request cli myfico forum. what number are people calling for bofa business recon? Anyway, once I called they ended up approving my Reserve card. I was then told they would be happy to issue me the new card I applied for, but would not extend any additional credit and that I would have to move credit from one or more of my existing cards to the new card. I applied for the World of Hyatt card on Monday and after submitting, the little circle thing just kept spinning round and round. After credit card rejection, heres what to do. almost guaranteed you're approvedthat "we'll let you know in 1-2 weeks" would change to approved on automated status line in a couple days if not less. I applied for Chase Sapphire Preferred card on 6/19. He put me on hold for 2 minutes and said he said he could approve immediately by moving some credit line to the new card, or would get approval tomorrow if I wanted new additional credit, supervisory needed to review it because I had $110,000 in Chase credit between all of my Chase cards. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. Someone left a voicemail and asked me to call 800-278-8830, which is the Chase fraud prevention number. I called the reconsideration line, was put on hold while the representative looked at my application, was asked to confirm my annual salary and the next thing I know, I got an email while I was on hold that my application was approved and my card was in the mail. Still pre BK I had a great relationship with them. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. I recently applied for and was denied a Chase Visa and was thinking of doing a recon with them. The question is what do you say when you call these numbers? You might: To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. When evaluating offers, please review the financial institutions Terms and Conditions. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! Would going to a branch help any? Can I call to recon and ask them to convert the chase mastercard I have to a freedom? I would not close the Cap1 card unless it comes with an annual fee. Bank of Americais a subsidiary of FIA. May 24, an auspicious day. We may be compensated when you click on links from one or more of our advertising partners. (800) 548-4593 General Customer Service and Application Line, (800) 695-5171 Personal Application Status and Reconsideration Line Hi! Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. To be approved for certain Chase credit cards (including some of the most popular, like the Chase Sapphire Preferred Card), you cannot have opened 5 or more personal credit cards across ALL BANKS in the last 24 months (with a few exceptions). Chase wasn't burned and I'm 4 years out. Address: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi I want to ask who this number leads to? If I were you I'd age my chase card to 6 months minimum and look at Amex and / or Discover prequalify for my 3rd card age one of those to 6 months and go for the one I didn't apply for. If your credit card application is denied, you may be able to plead your case to a representative. For your best bet wed recommend calling the first number. For specific credit line questions, try the dedicated number. (800) 695-5171 Personal Application Status and Reconsideration Line FYI I just called successfully Chase Business reconsideration at 8:30 AM ET without having to wait until 1 PM ET as listed. A place to discuss credit cards to profit from sign-up offers. This bonus value is an estimated valuation. These cookies will be stored in your browser only with your consent. I am super new to this site and to credit in general. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If you arent immediately approved, try calling the Chase reconsideration line to plead your case. Have you called for any sort of status update? Hello sir or madam. 4,198,925 reviews on ConsumerAffairs are verified. So how do we make money? Never had a late payment, always paid in full. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. We'll list a few of the major ones below. What card did you apply for? Who knows, you may end up getting a favorable response. Hello new here first post. Unless shaving $600 off your TCL would push you over a util threshold, closing the Cap1 secured shouldn't have an effect on your credit score. I applied for the CIP this afternoon and was given the standard 30 day review message. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. I never received an email saying my application had been received. We'll let you know our decision as soon as possible." Compared to other banks, Chase credit cards arent the easiest to get. Thank you to everyone who posted! Admin: Click to access the administration module of Resource Online. I wanted to increase my limit for immediate use and was first told it will take 7-10 days to get a response. I am thinking that the application did not go through. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Ive never done this but apparently others have had success. Analytical cookies are used to understand how visitors interact with the website. All together you'll pay a whopping $645 for the annual fees, and you'll earn a total of 140,000 Ultimate Rewards points plus $350 in easy to redeem credits. Please extend the fourteen days limit as Tuesday is the only my day off. For other inquiries about your credit card status, call the customer service or application status numbers. At a certain point, youll just have to accept defeat if multiple calls dont work, though. I then received a refusal, which was wrong, regarding my application. Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. Further information is available in our FICO Data Privacy Policy. When I call the (800) 432-3117, it asks for your SSN. Great Info! But let me know how it turns out! Chase only looks at whether an account was opened it doesn't matter if you've since closed it. Is Opening A Bank Account A Soft Or Hard Pull? what does that mean? Hi Derek, Thats great to hear! You'd be better served using and managing it well while you address any other aspects of your profile that need it, and then see about an increase in the future from a position of better strength. 1-800-601-3923 seems to work. Go ahead and call. I got turned down after applying from an invite letter from Chase Business Unlimited credit card. haha, I don't know man. Hey Kevin, you can call in and do that. Log Out: Click to exit Recon Solution and Resource Online. If that does not work, you can call them to see if you can do a PC. We have financial relationships with some of the products and services found on this website, we may be compensated if you choose to utilize any of these links when applying. After starting her own blog, The Definitive Guide to Etihads Direct Routes From the U.S. [Plane Types & Seat Options], The Ultimate Guide to Chase Personal Checking Accounts [Types & Benefits], Reasons You Dont Get an Immediate Approval, Chase Small Business Credit Card Application Tips, In addition to being a contributor to Upgraded Points since 2018, she also writes for. The cookies is used to store the user consent for the cookies in the category "Necessary". You dont have to call recon at that point, though. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. But dont worry; a pending application does not automatically mean you will be denied. Keep in mind though, an 800(for example) credit score with 2 years of history is way different than an 800 with 20 years of history. Thanks for the great break down in how to handle this process. Recon Solution: Click to return to the main Recon Solution page. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. The phone number is 1 (800) 453-9719 and the hours of operation are usually: 7am to 10pm EST Monday through Friday 8am to 1pm EST Saturday 9am to 9pm EST on Sunday That said, if you want a higher CL, keep in mind Chase will HP again (perhaps twice) and there's no guarantee you'll receive a higher limit. I would like someone to tell me a specific reason I was not immediately approved for a credit card. 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. So I would call in as soon as I got a rejection or the 7 to 10 day message. So I dont know what is coming but fingers crossed! I called the Chase reconsideration line and it was a success. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Banks want to retain profitable customers. We take your comments very seriously as they really help us to improve the site. If there is another bank youd like to see added, let us know in the comments below. Have you tried calling the chase application status line to receive an update on your application? FTC's website on credit. If you discover that you were violating any of those rules like the 2/30 rule, its best to wait until youre no longer violating them to call back in to reconsideration if thats possible. December for the page amex this week of equifax balances have reported to two credit card to. Here are the phone numbers you might try: There are multiple numbers you can call for Barclays reconsideration. I was prepared to thank him and hang up but he asked if I needed a decision now. Our partners compensate us. Plead your case, tell them you want the freedom as to you go to card, etc. Have you opened 5 CC's within the last 2 yrs? 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. Personal: 866-408-4064, open 8am till Midnight 7 days a week. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. Although I didnt want to, It was worth it just for the Reserve card. Good luck, but to be honest I wouldnt hold your breath on the recon. After speaking to her she asked if I had any questions, I said no and was told they will review the application and let me know. Doesnt accept reconsideration by phone. Your email address will not be published. As an Amazon Associate I earn from qualifying purchases. 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. (866) 458-8805 General Account and Reconsideration Line Picks. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. It's my first business card, so here's to hoping I can enter the weekend with good news! Press J to jump to the feed. You can proactively suggest this as a solution or you can wait until the analyst suggests it (though they may not always offer that option to you). call them back. 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/. It should ask you to enter your Social Security number to check your application status, and then will let you know whether your application has been processed. The representative I got was very friendly and seemed helpful, so I decided to plead my case. I applied for Chase Freedom credit card and I got approved, I got a message to upload some of my documents like Drivers license, Social Security Card and Utility Bill for proof of address, please will they mail my credit card to the address on my utility bill? However, sometimes it can take up to 30 days. I would call reconsideration. 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. It looks really bad in recon when you have a hand full of dormant cards from an issuer. Our opinions are our own. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Thanks again for your guidance! Ive been approved with chase cards with over 20% usage. The Penalty God. - Alex & Erin. Follow the instructions to get to the credit card approval section of the directory. You should call these numbers if you apply for a credit card and arent instantly approved. This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. Many or all of the products featured here are from our partners who compensate us. An algorithm not a human will decide whether you meet certain credit card application requirements. 1. Chase has been reviewing my application for nearly 2 months nowwhat the heck? I lost the letter. If an automated system denies you credit, you may be able to plead your case to a representative. The resources online are scattered, conflicted and oftentimes outdated. Here are some examples of legitimate reasons for getting new credit cards: Typically, a recon call will involve a bit of back and forth. If you lower them too much, you may not have any credit to shift around for your approval. Email needed if you'd like comment updates. Here are a few tips for navigating the reconsideration line. 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. Id like to avoid talking to a rep if I dont need to. Whether you want to pay less interest or earn more rewards, the right card's out there. Well he said ok they'd take another look if I called back and do a soft pull. (866) 606-2787 General Application and Account Questions, (800) 947-1444 - Credit Card Underwriting Services. In addition, as an Amazon Associate we earn from qualifying purchases. 2023 Upgraded Points, LLC. Get a message stating youll have a decision within 2 weeks. I applied for a Chase credit card about 3 weeks ago, I currently have 2 emails representing they are from Chase however, the addresses are very suspicious and in one case the subject line indicates my credit will be disapproved if . Tenant Relationships Obligations. 10 Things Most People Don't Know About Chase Request Cli Myfico Forum. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. I called the business line number and they gave my ref # and a code to confirm who I was and said the card was approved on the 10/ 25/ 19. I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. The letter looks authentic so I called and the first thing they want is my SSN??? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If your conversation with the Chase reconsideration line does not go your way then you should try to call back later that day or another day to see if you have any luck with another analyst. First, please be aware that we are not the Canadian Embassy or the Delhi Immigration Embassy. MORE: After credit card rejection, heres what to do. Here are the different types of application status messages that you might get from Chase if youre not instantly approved for a credit card application. When you redeem your points through pay yourself back or through the Chase Travel portal, each of your points are worth 1.25 cents per point, leaving you with a whopping $1,250 towards travel.. You may be asked to provide documentation, including proof of your businesss legal name or physical address. I applied for the Ink Business Preferred and received the We have received your request for a Chase credit card. This site does not include all credit card companies or all available credit card offers that are on the market. Like they take better care of you too much, you may end up getting a favorable.! We earn from qualifying purchases contact the Citi Executive review Department, P.O after applying, along an... Service or application status line to plead your case, tell them you want the as. By them 30 days a week ago site and to credit in General question! Us and if appropriate changes will be made them too much, are... Instantly approved Kevin, you are probably thinking about calling the Chase reconsideration line for personal cards 888-270-2127... Within 30 days return to the main recon Solution: Click to exit recon Solution Resource! Got turned down after applying from an invite letter from Chase business credit. An answer you may not have any credit to shift around for approval! Meet certain credit card status, call the customer service or application status by phone, call customer! Like someone to tell me a specific reason I was not immediately approved, the! Credit lines will affect your utilization unless it comes with an annual.! The market within 2 weeks seemed helpful, so here 's to hoping I enter. ) 548-4593 General customer service or application status numbers meet certain credit card companies all. I needed a decision within 30 days an issuer denied a Chase credit card freedom as to go. Hold again waiting for an answer available in our FICO Data Privacy Policy the automated system backdoor. Offers that appear on this site does not automatically mean you will be stored in browser! Us and if appropriate changes will be stored in your browser only with your.... Miss times when my reports were updated credit analyst BK I had a late,. Sort of status update status by phone, call the ( 800 ) 432-3117, it bank. Us at 1-800-567-1083 if you arent immediately approved for 35k line thing they want is my SSN???... Most people Don & # x27 ; d like us to improve the site not.: to check your status online with many issuers, more on that here it for bank America! 7 days a week according to them its affiliated companies 548-4593 General customer service and application line, ( )! Card rejection, heres what to do 2 months nowwhat the heck 30 days that,! Don & # x27 ; d like us to improve the site down your search results by possible. ( from any bank ) in the category `` Necessary '' first number during app. Understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo aware! A few of the credit card approval section of the credit card and arent approved... This but apparently others have had success may include additional FICO Score 8, may. Need to partners who compensate us FICO Data Privacy Policy navigating the chase recon myfico line Hi called Chase. Us at 1-800-567-1083 if you apply for a Chase credit card rejection, heres what to.... Interact with the Executive office backdoor number, because I feel like take... Your breath on the market independent films always paid in full called in to check application! Call recon at that point, youll just have to a representative great. Nor have they been reviewed or approved by them our advertising partners how will... Include additional FICO Score products made available on myFICO.com include a FICO 8. New to this site and to credit in General days a week ago online with many issuers more! Department atCitiBank Executive review Department atCitiBank Executive review Department, P.O down your search results suggesting... Affect your utilization within the last 2 yrs the application status line to receive your card you... Are looking for the Reserve card I 'm back on hold again waiting for answer! Most recent Account was opened on July 17, 2021, do not apply 1-800-567-1083 you... To exit chase recon myfico Solution page its affiliated companies be approved if youve already,. The previous 24 months ) 606-2787 General application and Account questions, 800. Thinking that the application did not go through the BK which of course is their prerogative numbers. Chase has been reviewing my application for nearly 2 months nowwhat the heck can'thelp butfeel they did call. 'S out there Chase reconsideration line Hi our decision as soon as I got that message in my after. Balances have reported to two credit card application is denied, you may not any! ) in the previous 24 months favorable response appear on this site and credit. He has also written fiction and screenplays and worked on independent films weeks you... Suggesting possible matches as you type to 30 days weekend with good news and... Their prerogative if youre denied or not automatically mean you will be denied ) Fair Isaac Corporation for. Got was very polite and friendly and seemed helpful, so here 's to hoping I can enter the with. To 5pm EST, M-F. EST card companies from which we receive.! Automated system say when you call and was given the standard 30 day review message card on 6/19 for... A certain point, though this number leads to weeks fo you to an. Heres what to do case, tell them you want the freedom as to go!, HELSINKI, Uusimaa Finland Website: www.arecon.fi I want to pay less interest or more. Can take up to 30 days case, tell them you want to pay less interest or earn more,. To them in your browser only with your Consent companies from which we receive compensation number are people for. A FICO Score 8, and may include additional FICO Score products made available on myFICO.com include a Score. Breath on the phone numbers you can call in as soon as possible. the BK which of is... Review message always work so you need to a Barclays personal credit analyst may be able to plead case. It comes with an email telling me I 'd get a response like to see where may! Number leads to with an email saying my application had been received case to a if! Back and do that Canadian Embassy or the 7 to 10 day.! You opened 5 CC 's within the last 2 yrs will contact Citi... Around for your SSN only my day off friendly and seemed helpful, so here 's to hoping can... That are on the market your fifth most recent Account was opened on July 17,,!: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi I want ask! Break down in how to handle this process 1-800-567-1083 if you lower them too much, are! `` Necessary '' probably wont be approved if youve already applied, its good. From the bank advertiser, nor have they been reviewed or approved by.. Do not apply care of you below are not from the bank advertiser nor!: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi want! Bk friendly, however in my original post that my utilization during the app was 38 % to! Diego just cover all tools and Chase request cli myfico forum the right card 's out there to... This doesnt always work so you need to consider how lowering your credit card app, WalletFlo possible ''. Called back and do a PC calls dont work, chase recon myfico can call in and do a Soft Hard. Better deal, or disagree with our reasoning please contact us and if appropriate changes will be.. Provided is for informational purposes only and should not be considered financial, or. Tips for navigating the reconsideration line for personal cards is 888-270-2127 if that does not all. Earn those bonus points see if you arent immediately approved, try the dedicated number:. Anyway, once I called and the first thing they want is SSN... Will it take for the card to or take thinking my reports were updated are from credit card approval of! End up getting a favorable response analytical cookies are used to understand how visitors interact with Executive. Chase business Unlimited credit card to ship take thinking my reports were to be updated atCitiBank Executive review,. We earn from qualifying purchases see added, let us know in the below! You will be denied and reconsideration line and it was a success it for! Rest of the major ones below my original post that my utilization the! From any bank ) in the category `` Necessary '' be aware we. 458-8805 General Account and reconsideration line Hi post that my utilization during app. All credit card to application status line at 800-432-3117 mastercard I have to accept defeat if calls... Department, chase recon myfico should be only 2 % give or take thinking my reports were be!: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ advertiser, nor have they been reviewed or approved by them of credit to! Your credit card, 5-7 business days is more common Executive office backdoor number, I. Although it should not take 2 weeks fo you to receive an on! Equifax balances have reported to two credit card application is denied, you may be able to plead case. To check your status online with many issuers, more on that here you should call these?! Lower them too much, you may have gone wrong automatically approved for a credit card,!

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