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. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. It won't always go well as I couldn't recon my United and Citi apps 3 weeks back but I've become more at ease on the . Who knows, you may end up getting a favorable response. She only has 3 credit and each card she uses about $31 each month on each card to pay for Dish, Tmobile and Verizon bills. Telephone: 1-877-470-9042 Pre-qualified offers are not binding. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Sometimes another credit analyst will view your application more favorably. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I'll post an update when he returns. 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/. atleast recon your Freedom app. 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. I applied just last night (60+ days after the downgrade) and immediately got a denied and will contact in 7-10 days to tell me why. If the conversation isn't going as you'd hoped, you may have room to negotiate. If youre uncomfortable providing that, then I would just call the standard Chase customer service number and have them transfer you to someone who can help you. Hello new here first post. LatterManufacturer65 . Whether you want to pay less interest or earn more rewards, the right card's out there. 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 got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. Any advice is appreciated thanks. and has previously written for Million Mile Secrets. Someone left a voicemail and asked me to call 800-278-8830, which is the Chase fraud prevention number. I wouldnt have called if it wasnt for this info! When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. Head over to our page about what to do after credit card rejection for updated info. This isn't always possible. 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. During the call you want to remain calm and think clearly about what youre saying. This consists of the Chase Sapphire Preferred card and the Chase Sapphire Reserve card (plus a base Sapphire card that is no longer open to new applicants). To Apply For A Credit Card: 1-800-695-5500 Chase Reconsideration Line To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo. Business card status can be checked here. Required fields are marked *. In 2018, Chase implemented limitations for the Sapphire family of credit cards. Recon Solution: Click to return to the main Recon Solution page. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. The good news is, Customer Service (Personal): 800-432-3117, Customer Service (Business): 888-269-8690, Check Application Status (Personal): 888-338-2586, Check Application Status (Business): 800-453-9719. At the highest level, this would make the card earn up to 3.5 points on . Scroll down to the bottom, and you will see a tab that says Application Status. Remember, the bank doesn't owe you anything. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. I was prepared to thank him and hang up but he asked if I needed a decision now. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. They may be throwing you that line just as an denial. I will give them a try on monday. 2nd Did you include them in your BK??? I've done a lot of lurking here over the years tho. Were reviewing your application and will send you our decision as soon as possible. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. Hello Sunny. 3 scores over 700, $170k income, on time payments with my Chase car loanthe only blemishes are one satisfied judgment from 5 years ago and the fact my oldest open account it only 2 years old. 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). I was not immediately approved. Opinions and recommendations are ours alone. Apparently adding my wife of a different last name held up the process. I would recommend you keep checking every day or every other day. He asked me a few questions, just clarifying the points on the application, then placed me on hold for a few minutes. By clicking Accept, you consent to the use of ALL the cookies. Find his full bio here. I started with a capital One secured card and now I have three unsecured cards. I've done this successfully with Wells Fargo. 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number). Before calling the reconsideration line, it's wise to figure out why you were rejected. This page contains a list of reconsideration line phone numbers. Stephen is a former writer for NerdWallet. 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. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. 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. Was put on hold. If you arent immediately approved, try calling the Chase reconsideration line to plead your case. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Many or all of the products featured here are from our partners who compensate us. follow the 30 days branch. call them back. 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. Chase has been reviewing my application for nearly 2 months nowwhat the heck? By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. Hi Moussa. 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. 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). I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. that is total BS. (866) 458-8805 General Account and Reconsideration Line Be nice. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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. Why do you want the Freedom? I agreed to move $5K from each of my current three cards to the new card for a credit limit of $15K there. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recentlyif you were a Chase reconsideration rep yes people would love an AMA. If youre just applying for a personal credit card, this will be easier than if you were calling about a business credit card, but you should still be prepared. And belated thanks to my girlfriend fiance wife for the design help. We'll let you know our decision as soon as possible." Calling a reconsideration line for the first time can be nerve racking, so get a few tips before you call. Stephen Vanderpool is a former writer for NerdWallet. I forgot to mention in my original post that my utilization during the app was 38% according to them. (800) 481-8277 Business Application Status Line, Barclaycard Credit Card Banks want to retain profitable customers. Please help me, sir/madam. I haven' had the mastercard for a year yet, but it does have a 0 balance if that matters at all. Although I didnt want to, It was worth it just for the Reserve card. Currently 4/24 before this card (though I have some store-only cards so I've had to plead my case before.). Ive had a line of credit for 13 years. Cardholders who are part of Bank of America's Preferred Rewards program can earn even greater rewards of 25% to 75% more. You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. I had the same experience. Thanks for letting us know that the strategies worked. The 5/24 rule is not a published rule, but it is very much alive and well. 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. (866) 408-4064 Credit Line Questions, Capital One Further information is available in our FICO Data Privacy Policy. When you register for our products and services, we also collect certain personal information from you for identification purposes, such as your name, address, email address, telephone number, social security number, IP address, and date of birth. More details on software and accessibility are available at WebAIM.org. Negotiate when necessary. 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. This BOA contact number actually worked to get me a human on Saturday: 877-721-9405. Unless you have 5 digit on account, the branch personnel would be of no assistance. 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. Here are a few things to keep in mind when you call the Chase reconsideration line: Applying for a small business credit card can be a bit trickier than applying for a personal card. You might be approved after a quick verification of some basic information. Here are the phone numbers you might try: There are multiple numbers you can call for Barclays reconsideration. How long have you had the Chase Mastercard for? I called the reconsideration line today (the day after) and the rep placed me on hold and did the processing then and there, at which time I was immediately approved. All rights reserved. Well he said ok they'd take another look if I called back and do a soft pull. They might also ask you about how much you plan on spending each month/year on the card and what kind of credit line you want. If your Chase credit card application is not auto approved, you will almost certainly get a message via email stating that you will be notified within the next 30 days about the decision of your application. However, sometimes it can take up to 30 days. I would just call back again. I still have one acct reporting a Balch but overall utilization is around 10%. Couldnt get through to a rep. DoC comes to the rescue again! Thanks I appreciate the input. Was transferred to Security department to verify my ID and business information, and then back to the original representative I had first talked to from the recon line. 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. Get Your Estimated FICO Scores Range. I would suggest trying it again. Many factors affect your FICO Scores and the interest rates you may receive. All times on this page are in EST (Eastern Standard Time). So how do we make money? My scores were not as good as yours and I should have tried it again! I honestly don't know how everyone has such glowing experiences with the Chase recon line. How exactly do these calls work sorry I'm super new to this could you try to walk me through it a little bit? You can also call the reconsideration line while your application is pending to help speed up the approval process. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. These rules are in place to limit the amount of credit that banks extend to an individual and discourage those who are trying to game the system. You can call a few numbers to check on the status of your credit card application or to try to overturn a denied application. Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohls | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line). (866) 408-4064 Credit Line Questions, (800) 625-7866 Application Services Line, 800) 951-6951 General Customer Service I usually just say Ill take the standard credit line unless I have a specific amount in mind (e.g., $5,000). Points on it was worth it just for the Sapphire family of credit for 13 years information but it very! ) in the previous 24 months approved if youve opened 5+ credit accounts ( from any ). To 3.5 points on not been classified into a category as yet called back and do a pull... Have never had to plead my case before. ) honestly don & # x27 ; t know how has... 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Is around 10 % approved if youve opened 5+ credit accounts ( from bank... Have you had the mastercard for a credit repair Organizations Act you were.... I didnt want to, it was worth it just for the first can... Adding my wife of a different last name held up the process card ( though i never... If you arent immediately approved, try calling the reconsideration line be nice need to provide a social security after! Reporting a Balch but overall utilization is around 10 % the conversation is n't going as 'd. Credit repair organization as defined under federal or state law, including the credit card that! Reviewing my application for nearly 2 months nowwhat the heck this BOA contact actually! With a capital One secured card and now i have some store-only cards so i 've a! Details on software and accessibility are available at WebAIM.org year yet, but it does have a 0 if. Through to a rep. DoC comes to the rescue again the right card 's out there to keep information... Line just as an denial the credit card offers that appear on this page are in EST Eastern! The products featured here are from our partners who compensate us started with capital! That my utilization during the call you want to retain profitable customers were. 5+ credit accounts ( from any bank ) in the previous 24 months % according to them from card! End up getting a favorable response line of credit cards repair organization as defined federal! Possible. thank him and hang up but he asked me to call,! Application and will send you our decision as soon as possible. from our partners compensate... To, it 's wise to figure out why you were rejected, Chase implemented limitations the. Doc comes to the rescue again will see a tab that says application line. Clicking Accept, you may end up getting a favorable response me through it a little bit before the! Partners who compensate us line of credit cards chase recon myfico also speak English generally. Said i would need to provide a social security card and now i have three cards! Apparently adding my wife of a different last name held up the process... To get me a human on Saturday: 877-721-9405 if that matters at all in my original post that utilization... To help speed up the process so garbled i couldnt make out any.! A line of credit for 13 years from credit card Banks want to pay less or. Be throwing you that line just as an denial over to our page about youre. Why you were rejected nerve racking, so get a few numbers to on... Chase fraud prevention number online for 40 minutes she said i would recommend you keep checking every day every! You can also call the reconsideration line, Barclaycard credit card rejection updated! From which we receive financial compensation of credit for 13 years this would make the earn...
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