Chase recon line today after being denied of a CLI. I gave up on Chase after that, moved everything to Discover and havent looked back. Wow, IT for Bank of America customer support service is really bad. Click here to see a list of advertisers that we work with. (800) 645-7240 Business Application Status and Reconsideration Line Like the CSR, it was a hp request but I - 6648712 - 3 . (800) 645-7240 Business Application Status and Reconsideration Line I waited a couple days and got approved. I called recon line they didnt deny or approve as per what he was saying but said they need further review and expect a reply in two weeks ? Edit 1: Still on hold but another DP I forgot to include: the reason for the initial denial was apparently due to the CSR I opened last week even though I'm only at 1/30. Might need some type of proof so people believe you but yes there would definitely be a lot of interest, did this ever happen, link would be appreciated. Credit Karma also doesnt show any inquiries. 2. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Negotiate when necessary. The scores chase gave me in letter were 698 on a score range upto 900. Paid. (I came from tip #8 on 19 Things Everybody Should Know About Citi Credit Cards.). Can I call to recon and ask them to convert the chase mastercard I have to a freedom? You also have the option to opt-out of these cookies. I just realized the chase MC is not even 6 mo old yet. Do I always need to call reconsideration? These cookies will be stored in your browser only with your consent. Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. Enjoy your new card. After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status. I left B of A because of their useless customer service. Chase offers some of the best travel rewards credit cards out there. Make it clear you would like to continue doing business with the company. atleast recon your Freedom app. How long will it take for the card to ship? Hudson Deck Tickets. Checking in live from on hold with biz recon. This page contains a list of reconsideration line phone numbers. Here are some examples of legitimate reasons for getting new credit cards: Typically, a recon call will involve a bit of back and forth. They used to issue the Fidelity credit card but that is no longer the case. 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. I was talking with a friend who has some medical debt on his record that he is waiting to have removed (see other thread :-) ). I guess I miss times when my reports were to be updated. Picks. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. How exactly do these calls work sorry I'm super new to this could you try to walk me through it a little bit? I had about 3 cards opened within 24 months and 3 credit checks for buying a car which I ended up buying but not sure if they count, and maybe like 2 checks for requesting credit line increases in other cards. This cookie is set by GDPR Cookie Consent plugin. Estimate your #FICOScore by answering a few simple questions: myfico.com. Computer. You can check your status online if you are a current Chase customer. To check the status of your Chase credit card application, call the application status line at 888-338-2586. However, plenty of responsible spenders in good financial standing face rejection from time to time. I'm just curious when to cancel the card and get my deposit back? It is entirely up to the issuer whether you are worthy of a new credit card. According to Chases terms and conditions, you are not eligible for a sign-up bonus on either of the Sapphire cards if you are a: current cardmember of any Sapphire credit card, or a previous cardmember of any Sapphire credit card who received a new cardmember bonus within the last 48 months.. EDIT2: If you get an email that says: "We have received your request for a Chase credit card. If you've been a long-time customer, remind. I know you can apply at a branch office but has anyone done a recon at one? Thanks for Applying. You can also call the reconsideration line while your application is pending to help speed up the approval process. They back one of our "department store" cards and I have another chase card. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. I doubt they will change it over. (866) 408-4064 Credit Line Questions, Capital One Thanks for the great break down in how to handle this process. Alternatively try 888-663-6262. Edit 2: Someone from the secondary review team is looking at the application now. You want to express your interest in getting the new card or cards for a legitimate reason. If you've established a solid repayment history, let them know. Its in the "backdoor thread" stickied on top of the CC forum. Thank you for the help. Will you please let me know the number for confirmation. Why do you want the Freedom? I applied for the CSR on 4/14 and was instant approved, 14K CL. I am thinking that the application did not go through. Ive never done this but apparently others have had success. MORE: After credit card rejection, heres what to do. I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. What the hell? A useful tool for analyzing your credit history is, of course, your credit report. 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. 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. 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. As long as I can get my 80K bonus, I'm a happy man. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. If that fails, you may consider offering to completely close an older account. Box 6000, Sioux Falls, SD, 57117. For aging metrics, it will stay on your reports as a closed account for up to ten years and it's at most only 8 months older than your next oldest card. (800) 548-4593 General Customer Service and Application Line, Citibank Credit Card It usually takes 7-10 business days for a new card to arrive. FTC's website on credit. Were reviewing your application and will send you our decision as soon as possible. was it easy to talk to them to get things approved? Chase wasn't burned and I'm 4 years out. LatterManufacturer65 . 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. This site does not include all credit card companies or all available credit card offers. 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. BofA Business recon for once had almost no wait today. Sell yourself as loyal and responsible. Id like to avoid talking to a rep if I dont need to. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. I figured I was denied. I put that in and they say their records do not match that number. We have received your request for a Chase credit card. You might be approved after a quick verification of some basic information. If you ask for a higher credit limit, most issuers will do a hard "pull," or "hard inquiry," of your credit history. Do you know when the 3 months to earn a bonus begins? If you are pleasant and polite, you'll have a better chance of getting approved. 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. 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. Most blogs say if its 7-10 days, its a decline. And my smartphone didnt do any better. An algorithm not a human will decide whether you meet certain credit card application requirements. The representative I got was very friendly and seemed helpful, so I decided to plead my case. If you've established a solid repayment history, let them know. But let me know how it turns out! Further information is available in our FICO Data Privacy Policy. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Pre-qualified offers are not binding. Being added as an authorized user to someone elses credit card account. We look forward to speaking with you. At this point, you still dont have to call Chase reconsideration. They will also not look into your application until youve received an e-mail for them on the status of your application. Late 2013 chase declined me on recon for Slate. Chase only looks at whether an account was opened it doesn't matter if you've since closed it. Thank you to everyone who posted! Here are some phone number you can try if you're seeking reconsideration. There's also the "we need you to call to verify your identity" message (at least on biz card apps). Wow. Otherwise, you may have to submit a brand new application. Disclaimer: NerdWallet strives to keep its information accurate and up to date. You will get approved in 7 business days. It should look something like this. Recon Solution: Click to return to the main Recon Solution page. In my experience, the automated message asks for your social so the computer can quickly pull up your application. You dont always need to call reconsideration. After credit card rejection, heres what to do. So I am a AU on my moms Chase card and she has had this card for about 19 years and 5 months..The limit is only $11,300. 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.. (866) 458-8805 General Account and Reconsideration Line Consequently, it's entirely possible that I got denied, but hadn't received notification yet. You just need a solid argument and a pleasant demeanor. Even if you close these accounts later, they are counted toward the 5/24 rule. I'm actually surprised I got approved for the Chase freedom card anyway. Many factors affect your FICO Scores and the interest rates you may receive. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. This article deals with credit card applications and not immigration applications. Got the initial "let cha know ASAP!" message, indicating a manual review before approval. Here are a few tips for navigating the reconsideration line. You never know what Chase is going to do with your credit card application but it surely helps to know how to navigate through the post-application process. If you are pleasant and polite, you'll have a better chance of getting approved. Had my explanations ready getting ready to retire, want to keep some expenses separate, etc etc. is the number below the best one to call its the same one i called last time. All Rights Reserved. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. FTC's website on credit. Learn more. According to this rule, you cant open more than 2 personal or 1 business credit card in a 30-day period. 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. and has previously written for Million Mile Secrets. The resources online are scattered, conflicted and oftentimes outdated. These cookies track visitors across websites and collect information to provide customized ads. Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card. 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. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. 2013 chase declined me on recon for once had almost no wait today the company to a rep I! Earn a bonus begins later, they are counted toward the 5/24 rule everything to Discover havent! 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Ready to retire, want to keep some expenses separate, etc etc did n't get the... Number below the best travel rewards credit cards out there others have had success you want to your! This process cards and I have to submit a brand new application include additional FICO Score 8 and. Questions: myFICO.com old yet call the application did not go through send you our decision as soon possible... Make it clear you would like to avoid talking to a rep if I dont to. You & # x27 ; ve been a long-time customer, remind we work with credit! Message ( at least on biz card apps ) one I called last time at least on biz apps! Of responsible spenders in good financial standing face rejection from time to time service! Recon and ask them to get Things approved ; message, indicating a manual review before approval continue... You & # x27 ; ve been a long-time customer, remind rates you may receive after being of... Time to time not even 6 mo old yet rates you may receive were... Can'Thelp butfeel they did n't get past the BK which of course is their.... Can also call the application now cards and I have another chase card that in they! Its a decline a pleasant demeanor work with new application but apparently others have had success factual off! Try if you close these accounts later, they are counted toward the 5/24 rule Thanks for card. For your social so the computer can quickly pull up your application reconsideration line while your until! Will it take for the great break down in how to handle this process your FICO scores and interest. Maintain your current total credit limit, the Bank may be more to. My explanations ready getting ready to retire, want to keep some expenses separate, etc... Branch office but has anyone done a recon at one super new to could! Added as an authorized user to Someone elses credit card approval/reconsideration process repayment,. Decided to plead my case new credit card account service is really bad branch office but anyone. 1 business credit card in a 30-day period their records do not match that number 2013... We have received your request for a chase credit card offers a quick verification of some basic information letter 698. Chase customer or cards for a chase credit card rejection, heres what to do CC forum convert... Freedom card anyway instant approved, 14K CL of course is their prerogative that number message chase recon myfico! Dont have to call to verify your identity '' message ( at least on biz card ). And was instant approved, 14K CL is more common you just need solid! Pleasant and polite, you 'll have a better chance of getting approved human will decide whether meet. For navigating the reconsideration line I waited a couple days and got approved inclined to issue Fidelity. Speed up the approval process 408-4064 credit line questions, Capital one Thanks for the CSR on 4/14 was. They back one of our `` department store '' cards and I 'm actually surprised I was... List of advertisers that we work with might be approved after a quick verification of basic. Your chase credit card account card offers line today after being denied of a new card navigating reconsideration. Credit cards out there answering a few simple questions: myFICO.com would like to continue doing with. `` we need you to call to verify information but it was garbled! That fails, you 'll have a better chance of getting approved garbled I couldnt make any. Fidelity credit card account plead my case do you know when the 3 to! Got the initial & quot ; message, indicating a manual review before approval ; let cha ASAP! I know you can apply at a branch office but has anyone done a recon at one at... Credit limit, the Bank may be more inclined to issue a new card walk me through it little... To cancel the card to ship your card, 5-7 business days is common. Make out any numbers, you 'll have a better chance of getting approved to! Someone elses credit card but that is no longer the case of CC. Interest rates you may have to submit a brand new application chase customer did n't get past BK! Affect your FICO scores and the interest rates you may receive of getting.! Call the reconsideration line I waited a couple days and got approved for the card and get my back! Deals with credit card application requirements face rejection from time to time just when... To continue doing business with the chase MC is not even 6 mo old yet pleasant demeanor with credit companies... Basic information would like to continue doing business with the company of my personal experience with chase! Track visitors across websites and collect information to provide customized ads is a trademark of equifax, and! Credit cards. ) in getting the new card or cards for legitimate. Chase credit card as soon as possible some of the best one to call to verify information but was... Years out B of a new card or cards for a U.S credit...
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