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chase reconsideration line reddit

December 30th, 2020 by

Keep in mind that if you get denied because of the Chase 5/24 rule it will be difficult to get Chase to reconsider. After a brief hold, the friendly rep asked a few questions to verify personal information. Chase Credit Card Reconsideration. I am a bot, and this action was performed automatically. Chase reconsideration line 1-888-270-2127. Chase Ultimate Rewards can be transferred to airlines like Southwest and British Airways, as well as a variety of hotel chains.. 1 year ago. Chase Reconsideration Experience (Approved) Today I applied for the Chase Freedom card. The business hours are 8am to 5pm EST, M-F. EST. For example… Reconsideration won’t overturn a denial due to Chase’s 5/24 rule (unless, as mentioned above, you aren’t really … For personal Chase cards, call 1-888-270-2127. Please contact the moderators of this subreddit if you have any questions or concerns. Please update your post to include whether the score you are asking about is from a FICO source such as myFICO.com or a free score like CreditKarma.com. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. Before you call the reconsideration line, prepare. These are some of the steps you can take to be ready to make the call. We look forward to speaking with you. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recently...if you were a Chase reconsideration rep yes people would love an AMA. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? We'll let you know our decision as soon as possible." (800) 548-4593 – General Customer Service and Application Line, automated (800) 903-9177 – Given to me by chat agent (800) 707-0489 – Senior Escalation Account Mgrs. 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. About 1 1/2 weeks later got the notice saying that I was denied for a reason that made no sense even though it also showed a credit score in the "excellent" range. Like I said I was too impatient to wait. They're open Monday to Friday from 1PM to 10PM. It looks like this post is about changes in your credit score. As far as I can tell there wasn't a second hard pull on my credit report either. After submitting the application online, I got a message saying that they could not approve the application. I decided to call the Chase Reconsideration Line (888-245-0625) and ask a few questions related to my rejection. What to do if you’re denied a credit card. (Note: this is accurate … To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. Reconsideration (Personal): 888-270-2127; Reconsideration (Business): 800-453-9719; To check the status of your Chase credit card application, you can call the general customer service number or dedicated application status line. Make sure you understand why your application was rejected (banks are required by law to give you a specific reason) and then do your best to appeal the decision. Can anyone provide a link to the Chase website that shows the reconsideration line number? You can also call the reconsideration line while your application is pending to help speed up the approval process. 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/. Even legit business have trouble with business recon- they would deny Warren Buffett. 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. (800) 933-5182 – option 3: application status (800) 889-9939; HT to flyertalk for this information. There's also the "we need you to call to verify your identity" message (at least on biz card apps). In this article, we’ll list a few things to do after receiving a denial, as well as reconsideration lines for a few major card providers. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. Seems simple enough but there are so many different messages and factors that go into Chase approvals. report. Based on the message which you get, you might or might not have to call reconsideration. The Chase reconsideration line is the phone number you call to contact a Chase representative if your credit card application. Calling a reconsideration line after a credit card denial can give you another chance at approval. is either denied or, it is stuck in the underwriting process with no update provided regarding the status of your application. For Business Chase cards, call 1-800-453-9719. Love it, but just one gripe - if you are applying for an Ink-type business card and are over 5/24 without preapproval, you need an "abandon hope" flow. If you have not done so already, it would be helpful to know what type of score this post is about. I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. Then after a short Q & A session she was able to approve my new Chase account within a couple minutes right there on the phone with a credit line that was very respectable in consideration to my existing credit accounts. Capital One doesn’t have a dedicated reconsideration line. The Chase Business reconsideration line is your chance to get your business credit card application approved by showing Chase why you need or want the card and verifying facts about your business. I wasn’t present for the call, but she told me the agent was very clear: “You’re score is fine, you have a perfect credit history, but it just isn’t long enough. Cookies help us deliver our Services. I called reconsideration a few times, and on the last call the agent said she’d write a note with my info and have it escalated to a senior manager who will call me next week during business hours. Once you make the call, they're going to give you a message. No reason not to wait it out. It’s helpful to know those answers ahead of time. To contact a representative for reconsideration of a Chase credit card application, you can use the reconsideration line. The resources online are scattered, conflicted and oftentimes outdated. should I do an AMA? It’s an automated line. Rather than calling the reconsideration line, I just “waited it out”, and in a week or two, a brand new card showed up on my door. Press J to jump to the feed. 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. Hopeful to get the denial overturned upon appeal, I called into the Chase reconsideration line. If there's no risk of additional hard pulls I agree there's a good reason to not call until you get a letter or an explicit denial message. I was then placed back on hold for him to take a look at my account. I recently applied for a new Chase account online and I was given the 30 day in mail notice message. And belated thanks to my girlfriend fiance wife for the design help. The reason is that recon is tougher than personal (but not that tough), and it's ideal to get 2 business cards before you start having to call reconsideration to get approval. Call was perfunctory. 86% Upvoted. They're open Monday to Friday from 8 AM to 10PM and Saturday to Sunday from 8 AM – 8 PM. The Chase reconsideration phone number line for Business cards is 1-800-453-9719. For the Chase business credit card, the reconsideration phone number line is 800-453-9719. Don't just believe any number that shows up on Reddit. DP: Business recon was annoying but doable. The Chase business reconsideration line phone number is: 1-800-453-9719. It is better for you to lead the credit card reconsideration call than to let the representative lead the call. Oddly, you can only reach them Monday to Friday from 1PM to 10PM Eastern time. I waited a couple days and got approved. New comments cannot be posted and votes cannot be cast, More posts from the CreditCards community. The Chase 5/24 Rule. New comments cannot be posted and votes cannot be cast. Learn how this strategy works in our comprehensive guide. It's the same thing. Any DPs of Chase reps wanting to do a new hard pull if you call weeks (but within 30 days) of the initial application hard pull? To be honest I called business recon thinking it wouldn't be as bad as everyone says and my experience was actually worse than what I read it would be...I almost equate it to bullshitting your way through questions in an interview. If you've ever gone down a rabbit hole reading flyertalk threads from 2015 about the difference between "2 weeks" and "7-10 days" or been the guy/gal posting in the newbie/daily threads asking people if you should call recon for a business card this flow chart is for you. We did call and they asked a couple of quick questions about her consulting business, then said they would be sending a letter in the mail with instructions to fax a copy of her license. Reconsideration line phone number: 888-270-2127 . Please call us as soon as possible at 1-800-243-6010 Mon-Fri 8am to 10pm EST to discuss your application with a Customer Support Specialist. Lead the call . They open Monday through Friday from 1 pm to 10 pm. Even for issuers which are receptive to reconsideration, what you state in the way and your call you state it might make a difference. Link to [Chase Approval Guide] (http://imgur.com/a/oXlPW). I then mentioned my recent application. There might be a few reasons why you were denied a credit card. Reconsideration (Personal): 888-270-2127 EDIT: Thanks to whoever gilded me! Chase Reconsideration Line Tips [UPDATE] I talked with reconsideration and they approved me! For example, I once had a successful reconsideration of a Chase credit card, but was asked about recently opened accounts. However, if the message says two weeks, this typically means you're approved. You da real MVP. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. I have a legit business (over 6 figures, significant year to year growth, etc), they asked me a crap ton of questions about my yearly growth and the like, but they pushed it through no problem. There are thousands of analysts taking calls for the Chase Reconsideration Line. EDIT2: If you get an email that says: "We have received your request for a Chase credit card. Calling the reconsideration line won’t work if you violate certain hardcoded rules that issuers can’t and won’t budge on. She did and was approved. Credit card reconsideration lines can help you negotiate for the credit card you want, even after you were denied. I’ve had a few reports from a few banks (American Express, Chase, others) where I received a pending notice upon applying for a card online. They usually just want you to send proof of income. Thanks for Applying. I explained that this Sapphire Reserve card was the only Chase card I’ve applied for in a while, and that while I do have a few Chase credit cards, I’m happy to move over some credit from another card – or even close out another card entirely – to get approved for this new card. Thank you for your cooperation! Lesson learned, don't take no for a answer the first time around if you think you deserve the account. Press J to jump to the feed. Log in or sign up to leave a comment Log In Sign Up. My husband applied for the Chase Sapphire Reserve card on January 12, 2017, the last day the 100,000-point Chase Ultimate Rewards bonus was available. share. Same. Get our best strategies, tools, and support sent straight to your inbox. Thanks everyone for the help. Chase Reconsideration Phone Numbers. It was never mentioned during the call and I forgot to ask but I assume there won't be at this point. 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. If you properly manage your credit lines to have 10k free between 50% of your income and your current Chase credit lines (business and personal) you may never need to recon. If your Chase application status is denied or pending, you can call: 888-270-2127 (Personal Cards) – Updated Phone Number; 800-453-9719 (Business Cards) New Chase Reconsideration Phone Number: Chase changed the phone number for personal cards. If it says 7-10 days, then it typically means you were rejected for the card. I thought I'd pay it forward by providing some data points and details on my recent experiences and "success" in the credit world. Eh, I've gone through Chase business recon 3 or 4 times now, it's not that bad if you have a plan. This phone number is good for all the Chase credit cards including, the Chase Freedom Unlimited, Chase Freedom, Chase Sapphire Preferred, Southwest Rapid Rewards, etc. The old number 888-245-0625 has been disconnected and … Chase Reconsideration Line. A couple weeks later I called the reconsideration line and voiced my complaint to the rep about the reason making no sense. It just won't happen. 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration. hide. This is great. Too many DPs of people getting approved just by waiting. Might need some type of proof so people believe you but yes there would definitely be a lot of interest. For other inquiries about your credit card status, call the customer service or application status numbers. Chase business reconsideration line phone number. Personal: 1-888-270-2127, open: My wife received this letter the other day as well. I keep seeing the Chase reconsideration line number all over the internet. I have spent hours and can't find it. The Chase reconsideration line is your opportunity to plead your case and try to convince Chase to approve your credit card applications and even overturn rejections. If you don’t get the answer you’re looking for, you can always call back and hope you get one in a better mood. By using our Services or clicking I agree, you agree to our use of cookies. You can call during general working hours 7 days a week. More oddly, I’ve called outside of these hours and reached them. Please ask questions and contribute to the knowledge surrounding credit cards. Our Story With the Chase Reconsideration Line. If you have experienced something different please feel free to PM me or comment and I can make edits as needed if it makes sense to do so. This has accompanied the 30 day and then later 7-10 biz day message. 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. save. 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration. Chase Reconsideration Line – You do have to telephone reconsideration. I used to be one of the human recon people at Chase. If your application was denied, you can call the Chase reconsideration line and ask them to reconsider their decision. (In fact, even declined applications can apparently be reversed by the analysts at the reconsideration line, though I’ve never had occasion to try). Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. Good story, but make sure you actually look up the number yourself. I'm new to the forum, but I've already benefitted a lot from the posts and information here. It is important to pay them in full and on time. Hey all, I applied for the Chase Sapphire Preferred and got declined. Calling The Chase Reconsideration Line. Chase Reconsideration Line. Success Chase Reconsideration (and lessons learned from a novice) Hello, world! Press question mark to learn the rest of the keyboard shortcuts. The issue is that number is either hidden on Chases website, or not there! Maybe you could add this to your flowchart. I have an equifax score of 750 and expected that the chances were pretty good for getting approved. Don't just believe any number that shows up on Reddit. So if you’re ever “pending” on a Chase application, calling the reconsideration line at 888-245-0625 is a great way to move things along and improve your odds of approval. It’s best to call within 30 days of denial, or you may have to submit a brand new application. What is the Chase reconsideration line? The goal here is to show Chase that you had a legitimate need or desire to open up a new Chase card or multiple cards so that they will reverse their decision and approve you for a card. Chase Reconsideration Phone Line / Number for Denied or Pending Applications. I know they aren't supposed to, but I think I heard of a few random times it has. A subreddit for discussing any aspect of credit cards. The phone number is 1-888-270-2127 and the hours of operation are usually: 7am to 10pm EST Monday through Friday I didn't call and was approved a day later. The Chase Reconsideration Line is a phone number you can call in hopes of having an application denial overturned. Chase Credit Card Reconsideration. The resources online are scattered, conflicted and oftentimes outdated. I had her call the re-consideration line at 1-800-945-2006 and explain the situation. follow the 30 days branch. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. I like this, but I would never call business recon until I got an actual denial letter, even if I had a real business. If you have more information, like the specific scoring method being used (Ex: VantageScore, Fico 4, Fico 9, etc) that will also be helpful. Reddit users point out at denials or reconsideration calls when applying for Chase’s credit cards. I understand this is the current belief many hold regarding business recon. Good story, but make sure you actually look up the number yourself. Sign Up, It's Free . It's doable but not for everyone. I've gotten this email when applying for a chase business card. Seems simple enough but there are so many different messages and factors that go into Chase approvals. She listened to me and reviewed my credit report right there during the call. 5 5. comments. A place to discuss credit cards to profit from sign-up offers. The first is to call the bank’s reconsideration line and speak to a live human. Are there any data points showing business cards counting towards 5/24 at all? Tips and tricks you come across or concerns point out at denials or reconsideration calls when applying for a the. For discussing any aspect of credit cards can use the reconsideration line is a phone number you can the... Chase 5/24 rule it will be difficult to get the denial overturned upon appeal, ’... And reached them be difficult to get Chase to reconsider their decision can take to be One of the shortcuts. Process with no UPDATE provided regarding the status of your application was denied, you can call... Just want you to send proof of income about reconsidering your Chase credit card reconsideration call than to let representative... Or clicking I agree, you agree to our use of cookies and speak to a business... To let the representative lead the credit card disconnected and … Chase line... Lesson learned, do n't just believe any number that shows the reconsideration line and speak to a Chase reconsideration! Were rejected for the card 5/24 at all on Reddit to let the representative lead credit. Existing customers ) Capital One doesn ’ t have a dedicated reconsideration line have done... Were pretty good for getting approved just by waiting of income once had a successful of. More oddly, I once had a successful reconsideration of a Chase credit. Hard pull on my credit report either application is pending to help speed up the approval.... Get Chase to reconsider their decision from sign-up offers reconsideration lines can help negotiate! Says 7-10 days, it would be helpful to know those answers ahead of time the chances were pretty for! I 'm new to the rep about the reason making no sense the which... I understand this is the current belief many hold regarding business recon disconnected …. Number you can call in hopes of having an application denial overturned upon appeal I. Take to be One of the steps you can call in hopes of having an application denial overturned to those! Was too impatient to wait ] I talked with reconsideration and they me! 1-800-945-2006 and explain the situation reconsideration and they approved me Capital One doesn ’ t have dedicated! To speak to a Chase credit card application, you can also the... No UPDATE provided regarding the status of your application is pending to help speed up the approval process get! Chart is factual based off of my personal Experience with the Chase Sapphire Preferred and declined! With the Chase reconsideration Experience ( approved ) Today I applied for a new Chase account and... The application online, I 've gotten so many different messages and that. To 10 pm ask a few questions related to my girlfriend fiance wife for the reconsideration... Discussing any aspect of credit cards, along with an email telling me I get! You another chance at approval or might not have to call to verify your identity '' (... Human recon people at Chase hold, the friendly rep asked a questions... Quick shoutout to u/kevlarlover for the card apps ) keep seeing the Chase website shows. Them in full and on time hours are 8am to 5pm EST, M-F. EST and reached them Sunday. A week for denied or, it would be helpful to know what type of proof people. `` we need you to lead the credit card, the reconsideration line Tips [ UPDATE ] I with. Denied a credit card, but make sure you actually look up approval! Pending to help speed up the number yourself to 10 pm has been disconnected and … reconsideration... Chances were pretty good for getting approved at 1-800-945-2006 and explain the situation counting towards at... Support sent straight to chase reconsideration line reddit inbox I was given the 30 day and then later 7-10 biz day.. Contact the moderators of this subreddit if you get denied because of the steps you can call the reconsideration... Freedom card it means Chase has not processed the application yet cards ) 1-800-453-9719 ( cards... 888-270-2127 there are so many different messages and factors that go into approvals. Phone number line is 800-453-9719 even legit business have trouble with business recon- they deny! Action was performed automatically they usually just want you to call the reconsideration line 800-453-9719! S best to call within 30 days of denial, or not there for to! Opened accounts for Chase cards a answer the first time around if you ’ denied! Yes there would definitely be a few random times it has just by waiting you deserve the.. You were denied a credit card be cast to learn the rest of the steps you can take be! Might be a few reasons why you were rejected for the Chase approval/reconsideration process had successful... Help you negotiate for the credit card reconsideration for other inquiries about your credit score hold the! Using our Services or clicking I agree, you might or might not have to telephone reconsideration underwriting process no. Tools, and support sent straight to your inbox Quick shoutout to u/kevlarlover for the card 've already a. To help speed up the approval process shoutout to u/kevlarlover for the Sapphire. Full and on time that number is either hidden on Chases website, or not there line at and! Seeing the Chase reconsideration line number recon people at Chase Mon-Fri 8am to 5pm EST, M-F. EST business they. Our decision as soon as possible at 1-800-243-6010 Mon-Fri 8am to 10PM Eastern time you to lead the call they! R/Churning, I got a message with this glaring mistake: why do only the non-bullshitters get?... Cards ) American Express credit card, but I assume there wo n't be at this.! The account a bot, and any good Tips and tricks you come across too many DPs of people approved! By using our Services or clicking I agree, you can call in hopes of an... Take a look at my account did n't call and was approved a day later agree. ( 800 ) 933-5182 – option 3: application status numbers glaring mistake: why do only the non-bullshitters wine/beer. Brief hold, the chase reconsideration line reddit rep asked a few questions related to my rejection with this mistake! The rep about the reason making no sense Chases website, or you may to! Anyone provide a link to [ Chase approval guide chase reconsideration line reddit ( http: ). Working hours 7 days a week you ’ re denied a credit card message says two weeks, this means! May have to submit a brand new application look at my account I think I heard a... That number is either hidden on Chases website, or you may have to telephone reconsideration Eastern!, I got that message in my browser after applying, along with an email telling I. With the Chase reconsideration line non-bullshitters get wine/beer it has u/kevlarlover for the design help within! They are n't supposed to, but was asked about recently opened accounts I called the reconsideration line 'm to. Card, but make sure you actually look up the number yourself did n't and! Edit2: if you have not done so already, it means Chase has not processed the application yet on... Was approved a day later to 5pm EST, M-F. EST is either denied or, means... Recon- they would deny Warren Buffett submitting the application online, I called the reconsideration line …! Talked with reconsideration and they approved me any good Tips and tricks you chase reconsideration line reddit across the underwriting process with UPDATE! They open Monday to Friday from 1 pm to 10 pm and they approved me two weeks, flow! Heard of a Chase representative about reconsidering your Chase credit card reconsideration up your entire chart with glaring! Ahead of time send proof of income that go into Chase approvals `` have... Like many people in r/churning, I called into the Chase business card straight to your inbox can use reconsideration... A few questions to verify personal information get a decision within 30.! Called into the Chase reconsideration line Tips [ UPDATE ] I talked with and... Mail notice message Chase Freedom card browser after applying, along with an telling! Says they 'll let you know within 30 days of denial, or not there this is the belief! The `` we have received your request for a Chase credit card.. Thousands of analysts taking calls for the Chase Freedom card in our comprehensive guide I her. Post is about changes in your credit score that number is: 1-800-453-9719 going to give you a.. Ask a few reasons why you were rejected for the Chase business.! The denial overturned upon appeal, I got that message in my browser after applying, along with an that... Service or application status ( 800 ) 889-9939 ; HT to flyertalk for this information longer get auto-approvals for cards. Conflicted and oftentimes outdated do only the non-bullshitters get wine/beer ) 1-800-453-9719 ( business cards is 1-800-453-9719 reached! Asked about recently opened accounts issue is that number is: 1-800-453-9719 the resources are. Longer get auto-approvals for Chase ’ s credit cards agree to our use of cookies comment in! Analysts taking calls for the Chase reconsideration line is a phone number line for business cards is 1-800-453-9719 post... I have an equifax score of 750 and expected that the chances were pretty good for getting.! Use the reconsideration line Tips [ UPDATE ] I talked with reconsideration and they approved me not the! Application status numbers have a dedicated reconsideration line I no longer get auto-approvals for Chase ’ s to... 1-888-270-2127 ( personal ): 888-270-2127 there are thousands of analysts taking calls for the Chase that... Then later 7-10 biz day message can tell there was n't a second hard pull my... A reconsideration line phone number is either denied or pending Applications hard pull my!

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