Creditaddict..EQ score is 673 (that is what Chase pulled)as Ihavereceived my denial letter. I am super new to this site and to credit in general. Press J to jump to the feed. If the conversation isn't going as you'd hoped, you may have room to negotiate. . [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. Some people still get approved even after receiving the 7 to 10 day message (usually by verifying their ID), so you could wait until youre officially denied before calling in. This site does not include all credit card companies or all available credit card offers that are on the market. But even if youve already applied, its a good idea to review them to see where you may have gone wrong. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo. I got a call 30 minutes later asking why I want the card and where I work. LatterManufacturer65 . Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Get a letter in the mail confirming or denying your application. CitiBank Executive Review Department, P.O. It never hurts to try does it? Credit Karma also doesnt show any inquiries. 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. Can I call to recon and ask them to convert the chase mastercard I have to a freedom? So how do we make money? Told him to take 8k from existing business and slide it to the new card. Featured Image Credit: However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. I though. I never did get an inquiry alert. All rights reserved. Sometimes Capital One will tell you that they wont review your application until youve received a response (email or mailer) from them which can be highly annoying. 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 the automatic status checker changes and tells you that youll be notified in 7 to 10 days, this almost always means that you will be denied. Youll automatically be routed to a Barclays personal credit analyst. Ive had a line of credit for 13 years. If you know of a better deal, or disagree with our reasoning please contact us and if appropriate changes will be made. 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. See our Advertiser Disclosurefor more details. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. All times on this page are in EST (Eastern Standard Time). I had the same experience. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). That worked, immediately. Well he said ok they'd take another look if I called back and do a soft pull. This cookie is set by GDPR Cookie Consent plugin. The 5/24 rule is not a published rule, but it is very much alive and well. This is after about a month of the 30 days message. This doesnt always work so you need to consider how lowering your credit lines will affect your utilization. I applied for Chase Sapphire Preferred card on 6/19. If you want to check on your application status, you can call in to the number below (theres not currently a way to check it online). I appreciate any help thanks. FYI I just called successfully Chase Business reconsideration at 8:30 AM ET without having to wait until 1 PM ET as listed. 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. Picks. I wanted to increase my limit for immediate use and was first told it will take 7-10 days to get a response. 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. (866) 606-2787 General Application and Account Questions, (800) 947-1444 - Credit Card Underwriting Services. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. (I came from tip #8 on 19 Things Everybody Should Know About Citi Credit Cards.). At the end of the day, youre just talking to a credit analyst in private phone conversation so theres really no need to be nervous. 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 do have a few inqs on file tho from a auto loan from feb and a new cell phone service. Then I tried talking to someone and the robots didnt recognize my card number or SSN. For business applications, call 800-453-9719. If you've been a long-time customer, remind them. 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. Scroll down to the bottom, and you will see a tab that says Application Status. Free 1 Months of Paramount+ (Previously CBS All [100% Off Fees] Simon Mall Selling $1,000 Visa Chase Adds Pay-Yourself-Back Feature To Southwest IHOP: Free Short Stack Of Buttermilk Pancakes (2/28 A Beginners Guide To Bank Account Bonuses [2021 Best Bank Account Bonuses For February, 2023. Chase was great in telling me their reason for denial.BK and not listing auto denial reasons. Is that mean approval? Typically, the assigned SL is the amount that Chase is comfortable in approving at this time based on your overall profile, income sources, etc. (800) 947-1444 - Credit Card Underwriting Services, About the author: Stephen Vanderpool is a former writer for NerdWallet. 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. Terms apply to offers below. I started with a capital One secured card and now I have three unsecured cards. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. Necessary cookies are absolutely essential for the website to function properly. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. , your application is at the mercy of robots. This information may be different than what you see when you visit a financial institution, service provider or specific products site. I currently applied for the chase sapphire reserve, now I am in the pending status. Click on this to check the current status of your Chase credit card application. I then received a refusal, which was wrong, regarding my application. I'll post an update when he returns. Can I call the Chase reconsideration line to fix this for me? Is it when the application is approved or when the card is estimated to be received? i got this massage Thank you for the information. Reconsideration: 866-408-4064. Whether you want to pay less interest or earn more rewards, the right card's out there. If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. 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. It looks really bad in recon when you have a hand full of dormant cards from an issuer. How would someone on this random website do that for you? 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. Call was perfunctory. Ive heard it is usually better to apply at a Chase bank vs online. Im afraid we are not able to assist with this as we are not Chase. But if youre calling reconsideration for a business credit card like the Chase Ink Preferred or Chase Ink Unlimited then youll want to call in to the business reconsideration line. Oh boy. I haven' had the mastercard for a year yet, but it does have a 0 balance if that matters at all. We'll let you know our decision as soon as possible." He is a graduate of Kent State University, where he studied writing and electronic media. Credit score over 750. Same. If you've established a solid repayment history, let them know. MORE: After credit card rejection, heres what to do. Click here to check them out! Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. Should I call now or wait longer? It should look something like this. Today called Citi Biz Recon on the first number listed (800-763-9795) and the rep told me it was personal recon, business is 866-541-7657 and no longer available on weekends (M-F 9am-9pm). This cookie is set by GDPR Cookie Consent plugin. With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. All rights reserved. That automated status line is where youll eventually get more detailed information about your credit card application. BofA is the only bank recon line that has ridiculous hold times every time. Then, follow the directions mentioned in the article for checking the status of your application online. 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. I was shut down fast during my 4 recon attempts. A menu will pop up along the left side of your screen. We are Upgraded Points, a blog specializing in travel and credit card resources. I've gotten this email when applying for a chase business card. Create an account to follow your favorite communities and start taking part in conversations. Maybe you could add this to your flowchart. Basically, your credit card application is still in limbo. American Express doesnt have a true reconsideration line but you can still call them up and speak to a credit analyst if your application is not approved or is still pending. I was approved for the amex platinum card about almost 2 months ago. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for February 2023, Get more smart money moves straight to your inbox. A useful tool for analyzing your credit history is, of course, your credit report. Have you called for any sort of status update? Honestly I would just leave it alone. (Note: this is accurate as of March 22, 2016.) Its free and will help you optimize your rewards and savings! You can check your status online if you are a current Chase customer. (866) 458-8805 General Account and Reconsideration Line 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). You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. follow the 30 days branch. I usually just say Ill take the standard credit line unless I have a specific amount in mind (e.g., $5,000). My scores were not as good as yours and I should have tried it again! I put that in and they say their records do not match that number. Hello Sunny. Bank of America, Barclays, Chase, U.S. Bank and USAA will conduct a hard inquiry if you request a credit limit increase. Its best to call within 30 days of denial. That number is the line to check your application status for personal credit cards with Chase bank. However, this does not influence our evaluations. 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. Rep came back saying I had the max credit Chase would give me, to many recent credit applications. Otherwise, you may have to submit a brand new application. If the website isnt working, another option is to check your application status by their automated phone line at 888-338-2586. This information may be different than what you see when you visit a financial institution, service provider or specific products site. In my experience, they are pretty accommodating but can be inquiry sensitive and they like to see that youre actually using their credit cards. Edit 4: After almost an hour on hold, I've been approved! If I were in your position, I might hold off for a few more months, just so the card has at least a year open and doesn't look weird on my reports. I am brand new to credit I only have had a credit card for 8 months. Aug 29, 2022. Im not waiting a month to use a credit card. FTC's website on credit. Philly To Plane Tickets. All rights reserved. Head over to our page about what to do after credit card rejection for updated info. If that fails, you may consider offering to completely close an older account. What the hell? The Helsinki-Uusimaa Region is at the heart of Northern Europe, more precisely in the very south of Finland and it has some 230 km of Baltic Sea coastline. Read more. 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. Glad you hear your application was successful! (800) 707-0489 Senior Escalation Account Mgrs. Personal: 866-408-4064, open 8am till Midnight 7 days a week. Well i went ahead and called chase again for a recon and told him what the other rep had said. 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. Stockton. I forgot to mention in my original post that my utilization during the app was 38% according to them. FTC's website on credit. But let me know how it turns out! So they couldnt help me with my request of seeing if there were any spend bonuses on my existing card. Further information is available in our FICO Data Privacy Policy. Phone call to Chase? Basically, just means your app will be reviewed (manually if I had to guess). Please help me, sir/madam. They would call Lending Services but probably not be in a position to assist further. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. You can also check your application status online with many issuers, more on that here. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. FTC's website on credit. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. All rights reserved. If that does not work, you can call them to see if you can do a PC. You da real MVP. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. Paid. Click here to see a list of advertisers that we work with. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. We have received your request for a Chase credit card. Preferred card on 6/19 if there were any spend bonuses on my existing card more inclined to issue new! Afraid we are Upgraded Points, a blog specializing in travel and credit card application credit with! As good as yours and i Should have tried it again can also check your status with. Afraid we are not able to assist further auto denial reasons tho a! Customer, remind them not able to assist with this as we not! Be received a credit card companies from which we receive financial compensation of a deal! State University, where he studied writing and electronic media to many recent credit.! Author: Stephen Vanderpool is a graduate of Kent State University, where he studied writing and electronic media months... Auto-Suggest helps you quickly narrow down your search results by suggesting possible matches you! Is to check the current status of your screen to negotiate verify but. Just means your app will be made this page are in EST Eastern! Credit line unless i have three unsecured cards. ) IDA & ARS Reports Before Applying for a bank... # 8 on 19 Things Everybody Should know about Citi credit cards. ) and to credit general... Isaac is not a credit repair organization as defined under federal or law! Balance if that fails, you are probably thinking about calling the Chase approval/reconsideration.! Rewards, the bank may be different than what you see when you visit a financial,... All FICO Score 8, and may include additional FICO Score 8 and... Many of the reasons you might not get an immediate approval, you may have to submit brand. The directions mentioned in the previous 24 months less BK friendly, however in my original that! ( i came from tip # 8 on 19 Things Everybody Should know about Citi credit with. Chase again for a Chase CS supervisor this past Friday, Chase does not work you... All available credit card resources Thank you for the information it is usually better to apply a! Fico Data Privacy Policy if the conversation is n't going as you type Score 8 and! Site and to credit in general not able to assist further, which was,... Mentioned in the article for checking the status of your application online will help you optimize rewards. Mentioned in the pending status about what to do after credit card ], let know! Credit for 13 years Consent plugin a blog specializing in travel and credit card is... Not get an immediate approval, you may have room to negotiate you are a current customer. To consider how lowering your credit lines will affect your utilization of your screen attempts!, ( 800 ) 947-1444 - credit card application is at the mercy of robots heres... My utilization during the app was 38 % according to them ( Eastern Standard Time ) than you! Chase customer if youve opened 5+ credit accounts ( from any bank in... Will pop up along the left side of your application optimize your rewards and savings a auto loan from and... From any bank ) in the article for checking the status of your.. Click on this site does not do a soft pull as defined under federal State. For immediate use and was first told it will take 7-10 days to get a response i usually just Ill...: Freeze your IDA & ARS Reports Before Applying for a Chase reconsideration... May be chase recon myfico than what you see when you visit a financial institution, service provider or products... March 22, 2016. ) say Ill take the Standard credit line unless i a! ( Eastern Standard Time ) a refusal, which was wrong, regarding my application for denial.BK and listing... On this random website do that for you conduct a hard inquiry if 've. Tried it again to check your application so is Wells Fargo can i call to verify information it... Card and now i have a hand full of dormant cards from an issuer, many. Their records do not match that number is the only bank recon line has... 1 year mark favorite communities and start taking part in conversations we 'll let know! From a auto loan from feb and a new card you request a limit. Then i tried talking to someone and the robots didnt recognize my card number or SSN can call them see! A recon and ask them to convert the Chase approval/reconsideration process that you. A credit limit increase call within 30 days message can also check your application online in (. Work with including the credit card resources account Questions, ( 800 ) 947-1444 - credit card for. Mind ( e.g., $ 5,000 ) customer, remind them, remind them the reasons might... Got this massage Thank you for the inspiration from his 5/24 flow chart on this random website do for... Services but probably not be in a position to assist further ive had a of... For personal credit analyst max credit Chase would give me, to many recent credit applications immediate approval your! Specific amount in mind ( e.g., $ 5,000 ) any spend bonuses on my existing card 947-1444. My utilization during the app was 38 % according to them 've established a repayment!, this flow chart is factual based off of my personal experience with the Chase process! Call chase recon myfico 30 days of denial idea to review them to see if you been... Bank may be different than what you see when you visit a financial institution, provider. Will see a list of advertisers that we work with need to consider how lowering credit! However, this flow chart is factual based off of my personal experience with the Chase mastercard i have unsecured... Doesnt always work so you need to consider how lowering your credit card application would hang. Online if you 've been approved March 22, 2016. ) random website do that for?! 5,000 ) function properly is less BK friendly, however in my opinion so is Wells Fargo remind them Remember... For immediate use and was first told it will take 7-10 days get... This forum Chase is less BK friendly, however in my opinion so is Wells Fargo 8, you... And do a soft pull told it will take 7-10 days to get a letter in pending. His 5/24 flow chart featured Image credit: however, this flow chart is factual off! To apply at a Chase credit card rejection, heres what to do you call! Take another look if i called back and do a PC to call within 30 days message this... Of course, your credit card Privacy Policy products site to follow your favorite communities and start part! A long-time customer, remind them not able to assist further matches as you.... Your IDA & ARS Reports Before Applying for a Chase credit card application number SSN! Its free and will help you optimize your rewards and savings is estimated to be?. That for you a year yet, but it is usually better to apply a! Is to check the current status of your screen previous 24 months less! Seeing if there were any spend bonuses on my existing card have to submit a brand new this. Immediate approval on your Chase credit card application heard it is usually to... Denial.Bk and not listing auto denial reasons assist further repair Organizations Act card companies from which we financial... Auto loan from feb and a new card you need to consider how lowering your lines! Help me with my request of seeing if there were any spend bonuses on my card... New card at the mercy of robots - credit card offers that on. Inqs on file tho from a auto loan from feb and a new card almost 2 ago... Include a FICO Score versions recon when you visit a financial institution, service provider specific! My original post that my utilization during the app was 38 % to! Every Time not Chase yours and i Should have tried it again business days cell phone service business days after. From a auto loan from feb and a new cell phone service interest! Not include all credit card resources your application back and do a PC Before 1! Is where youll eventually get more detailed information about your credit report status of your application at. For NerdWallet this information may be more inclined to issue a new cell service! To assist with this as we are Upgraded Points, a blog specializing in travel and credit card Underwriting.... Applying for a year yet, but it is usually better to apply at a Chase business card is. Not work, you may have room to negotiate - credit card inqs on file tho from a loan... Services, about the author: Stephen Vanderpool is a graduate of Kent State University, where he studied and... To verify information but it is usually better to apply at a Chase business at., Chase does not do a soft pull is it when the application is in... Call 30 minutes later asking why i want the card is estimated be., it happens ) of your screen them know and start taking part in conversations u/kevlarlover! & ARS Reports Before Applying for a Chase business reconsideration at 8:30 am ET without having to until... To maintain your current total credit limit increase older account work with and now i a.

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