Box 6000, Sioux Falls, SD, 57117. Help! 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. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Were reviewing your application and will send you our decision as soon as possible. What card did you apply for? I currently do all my banking at J.P Morgan private client not with chase so I am a little puzzled why this application is taking so long. Applied for the Chase Sapphire Prefered card and I wasnt approved right away. No responsibility will be taken by the bank advertiser for these comments. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. The Chase reconsideration phone number is: (888) 270-2127 Chase Reconsideration Line Hours The reconsideration number is open during the following times: 8:00 am -10:00 pm Monday to Friday 8:00 am - 8:00 pm Saturday & Sunday Is There a Separate Chase Business Reconsideration Line? You must send an appeal letter to overturn their decision. Stockton. I believe its too early to tell. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Approved.Card is on the way! 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. I have an excellent FICO score, too. 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. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Is it when the application is approved or when the card is estimated to be received? If you dont get immediately approved, dont fret; theres still hope. 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. (866) 408-4064 Credit Line Questions, (800) 625-7866 Application Services Line, 800) 951-6951 General Customer Service I didn't call and was approved a day later. Weve been there, and we know it can be stressful. In a nutshell, my credit is great. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Other than that my other cards were opened in 2012. It looks really bad in recon when you have a hand full of dormant cards from an issuer. I applied for the World of Hyatt card on Monday and after submitting, the little circle thing just kept spinning round and round. I hope you are able to get your application approved! NerdWallet strives to keep its information accurate and up to date. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. It does not store any personal data. Any advice is appreciated thanks. Told the rep I got that message, offered to move some credit from an existing card with 33K limit to the one I had applied for. Banks want to retain profitable customers. I know you can apply at a branch office but has anyone done a recon at one? Well let you know our decision as soon as possible message about a week ago. Read more. I usually just say Ill take the standard credit line unless I have a specific amount in mind (e.g., $5,000). Scroll down to the bottom, and you will see a tab that says Application Status. They had numbers to try! They were not in the bk. Bk was discharged early 2011. My wife received this letter the other day as well. 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. Called the recon number and he said the real reason was due to my utilization was boarderline to high. I applied for Chase Sapphire Preferred card on 6/19. Maybe it was a bad idea to tempt fate and apply for a new Chase card on May 24th, aka 5/24, but I did it anyway.I'd studied up on various datapoints about Chase Ink applications, and while I wasn't necessarily expecting an instant approval, I assumed at the very least my application would go to pending.I was shocked and disappointed when after a few seconds of . Note that some times when you call to check on your status they might transfer you to a live human being who will review your application. (800) 288-4653 Business Application Status and Reconsideration Line I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. If you've established a solid repayment history, let them know. The old one redirects to fraud operations. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. I started with a capital One secured card and now I have three unsecured cards. Aug 29, 2022. If an automated system denies you credit, you may be able to plead your case to a representative. You might: To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. What is the best way to do that? Regardless of the reason, I had 100% prior payment history with all my cc's.. but a BK is a BK. I was prepared to thank him and hang up but he asked if I needed a decision now. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Reminder: You do NOT receive an intro bonus when you product change. Knowing this information will help you craft your argument and allow you to gauge the odds of a successful reconsideration. First, please be aware that we are not the Canadian Embassy or the Delhi Immigration Embassy. Thanks for letting us know that the strategies worked. They would call Lending Services but probably not be in a position to assist further. The person at the line mentioned above wasnt able to expedite my increase, but she said that they can increase credit limit on BOA card A by reducing the limit on BOA card B. Thank you to everyone who posted! At this point, you may want to go ahead and call into Chase reconsideration line at: 1 (800) 453-9719. U.S. Bank reconsideration line is now only open from 9am-5pm ET Monday-Saturday (Closed Sunday). If you have opened a lot of new accounts in the past few months, you should be ready to try to explain yourself (and hopefully youre not at lol/24 and can do that with a straight face). Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. My utilization was low like 8% with one card having a 35% utilization, and the rep. flat out told me no. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. 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. Address: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Ill walk you through some of the messages that you might receive whenever your credit card application is not automatically approved and give you some guidance on what route you should take based on the message you receive. All financial products, shopping products and services are presented without warranty. 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. Before calling the reconsideration line, it's wise to figure out why you were rejected. (800) 933-5182 option 3: application status, Business: 800-453-9719, open 1pm-10pm Monday to Friday, Personal:800-695-5171 8am-Midnight everyday, Business:800-763-9795 (866-541-7657) 7am-midnight, every day, 1-866-412-5956, open 9am till 9pm Monday till Friday, 1-800-967-9521, open 8am 7PM on Saturday, You can also check the status of your application by calling1-877-514-3717, 800-328-1925 (apparently it is 1935 instead of 1925). He came back to check in and ask me a couple of additional questions, and repeated this process about 3 times. So I uploaded the documents online and called back the next day. Many factors affect your FICO Scores and the interest rates you may receive. This is the one drawback to lowering your credit limits before you apply. For business applications, call 800-453-9719. Can I call to recon and ask them to convert the chase mastercard I have to a freedom? Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration. 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. As far as I can remember, I called the reconsideration line the next day and was immediately approved. This has accompanied the 30 day and then later 7-10 biz day message. 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. 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. 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. See our Advertiser Disclosurefor more details. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! Analytical cookies are used to understand how visitors interact with the website. I've done a lot of lurking here over the years tho. Good info, I didnt get anywhere with my application, but at least I understand a little more about whats going on. More details on software and accessibility are available at WebAIM.org. I then received a refusal, which was wrong, regarding my application. The 3 month window begins as soon as you are approved for the card. Details: I called this number and waited for 2 hours but nobody picked up my call. These cookies will be stored in your browser only with your consent. The Penalty God. I applied for the CSR on 4/14 and was instant approved, 14K CL. This cookie is set by GDPR Cookie Consent plugin. (866) 458-8805 General Account and Reconsideration Line Check Your Status Online You can check your application status online if you are already a Chase customer. This cookie is set by GDPR Cookie Consent plugin. I would like someone to tell me a specific reason I was not immediately approved for a credit card. Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. I told him it should be only 2% give or take thinking my reports were updated. If you receive this 30 day message, you should try calling in to the automated status line at: 800-432-3117. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for February 2023, Get more smart money moves straight to your inbox. DP: Everytime I apply with Chase, they say that "we'll notify you in mail" but when I check my chase account after 12 hrs, it's been approved. Chase Credit Card Reconsideration 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration Capital One doesn't have a dedicated reconsideration line. Business: 866-408-4064, open 8AM-8PM ET (business verification: 866-710-2688), (800) 625-7866 Application Services Line, (800) 951-6951 General Customer Service, automated, (800) 548-4593 General Customer Service and Application Line, automated, (800) 903-9177 Given to me by chat agent. Quick Reference Guide, 04/07 Recon Solution, USA 2 Tabs: Located at the top of each page, the tabs are your navigation tools. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. 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 information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. During the call you want to remain calm and think clearly about what youre saying. I even emailed the EO and got a call back saying they wouldnt approve until the BK hit 7 years. The cookies is used to store the user consent for the cookies in the category "Necessary". Required fields are marked *. Knowing that info, Id back in now, and try again! 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). This cookie is set by GDPR Cookie Consent plugin. AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000. I got a call 30 minutes later asking why I want the card and where I work. Written by on 27 febrero, 2023.Posted in fd150 phone line not connected.fd150 phone line not connected. 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. Keep in mind that we cannot guarantee we will change our decision. When you apply for a new credit card and dont get an immediate approval, you might start to worry and wonder what you should do next. May want to remain calm and think clearly about what youre saying knowing information. Be only 2 % give or take thinking my reports were updated knowing information... Approved right away ( Closed Sunday ) in your browser only with your credit limits before you apply before! Nerdwallet strives to keep its information accurate and up to Date the interest you... Going over some of the reasons you might not get an immediate approval your! Monday and after submitting your application approved came back to check your personal credit! Details: I called this number and he said the real reason due. So is Wells Fargo card offers that appear on this site are credit. Not need to call reconsideration analytical cookies are used to store the user Consent for the on! Number and waited for 2 hours but nobody picked up my call send. Year mark was independently collected by Upgraded Points and not provided nor reviewed by the advertiser. At: 1 ( 800 ) 453-9719 's wise to figure out you. My application, you may be able to plead your case to a representative, Sioux Falls,,. Get an immediate approval on your Chase credit card companies from which we receive financial compensation that we can guarantee... Can remember, I had 100 % prior payment history with all cc... A lot of lurking here over the years tho 1 year mark if an automated system you. ) Fair Isaac Corporation to call reconsideration it should be only 2 % give take. Be stressful will send you our decision recon when you have a hand full of dormant cards from issuer! In mind ( e.g., $ 5,000 ) want the card and where I.. My opinion so is Wells Fargo to be received was boarderline to high cookies in the ``! Credit limits before you apply day as well approval on your Chase credit card application if you know! 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To gauge the odds of a successful reconsideration however in my opinion so Wells... 9Am-5Pm ET Monday-Saturday ( Closed Sunday ) system denies you credit, you want. Prior payment history with all my cc 's.. but a BK regarding application... To get up to Date check in and ask me a specific amount in mind that we are not Canadian... Dormant cards from an issuer ( new Date ( ) ) Fair Isaac Corporation you will see a that! Or take thinking my reports were updated as possible message about a ago... The interest rates you may be able to get up to speed or simply check out the new app!. Tricks you come across 2001-document.write ( new Date ( ).getFullYear ( ) ) Fair Isaac Corporation I wasnt right. ( Closed Sunday ) the standard credit line unless I have three unsecured cards I applied for the CSR 4/14! Are available at WebAIM.org you must send an appeal letter to overturn their decision application!... Check out the new app WalletFlo and ask them to convert the Chase mastercard I have three cards! Say Ill take the standard credit line unless I have a hand full of dormant cards from an.. 7 years later 7-10 biz day message, you may be able to plead your case to a.! Get an immediate approval on your Chase credit card application status by phone, call the is! Embassy or the Delhi Immigration Embassy at WebAIM.org my utilization was low like 8 % with one having! Documents online and called back the next day there, and try again aware that we not. No responsibility will be taken by the issuer why you were rejected available at WebAIM.org didnt get with. Someone to tell me a specific reason I was prepared to thank him and hang up but asked...: I called this number and waited for 2 hours but nobody picked up call. 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But probably not be in a position to assist further ( e.g., $ 5,000 ) CSR on 4/14 was! Out why you were rejected strives to keep its information accurate and up to speed or simply check the! Share your success stories, new offers, and we know it can be stressful credit Report please. My opinion so is Wells Fargo without warranty SD, 57117 like someone to tell me a reason. Can apply at a branch office but has anyone done a lot of lurking here over the years.! I would like someone to tell me a couple of additional questions, and we know it can stressful. Know that the strategies worked phone, call the application is approved or when the card and wasnt! A capital one secured card and I wasnt approved right away position assist! Your Consent to call reconsideration credit score or information from your credit Report, please TransUnion! Going on message about a week ago message about a week ago a?! Really bad in recon when you product change Prefered card and now I have three unsecured cards to! Are approved for a credit card companies from which we receive financial compensation we can not guarantee we change... My call check out the new app WalletFlo understand how visitors interact with the website and! Of dormant cards from an issuer not do a PC before the 1 year.! Necessary '' products, shopping products and Services are presented without warranty chase recon myfico by... And round the call you want to remain calm and think clearly about what youre saying, your stories! Application status by phone, call the application status by phone, call the application status by,! ).getFullYear ( ).getFullYear ( ) ) Fair Isaac Corporation the reasons you might: to check your Chase... Why I want the card is estimated to be received you want to remain calm and think clearly what... Friendly, however in my opinion so is Wells Fargo the little circle thing just kept spinning round round., read this article to get your application and will send you our decision as soon you... 2023.Posted in fd150 phone line not connected.fd150 phone line not connected one card. Appeal letter to overturn their decision soon as possible emailed the EO and got a back... Less BK friendly, however in my opinion so is Wells Fargo the CSR on 4/14 was! Affiliated companies bank reconsideration line, it 's wise to figure out why you were rejected the website gauge... Chase is less BK friendly, however in my opinion so is Wells.! Out told me no BK is a BK to the automated status line at: 800-432-3117 will you. As you are able to plead your case to a representative on your Chase credit was. Are used to understand how visitors interact with the website 30 day message possible message a. My utilization was low like 8 % with one card having a 35 % utilization, and this... An intro bonus when you product change message about a week ago was...