Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. An algorithm not a human will decide whether you meet certain credit card application requirements. When evaluating offers, please review the financial institutions Terms and Conditions. Interested in finding out the top travel credit cards for this month? Directions Sulfur Plant. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! Enjoy all those points! There are plenty of reports of Chase pulling your credit report again if you wait near that long. 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. How long have you had the Chase Mastercard for? Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Check the status of my submitted application. was it easy to talk to them to get things approved? There are a few different messages you might receive regarding your application status and they can signal that very different outcomes are on their way. 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. They might ask you why you are doing it so be sure to have a reason ready, such as lowering your credit exposure or something similar. I've done a lot of lurking here over the years tho. Details: My utilization was low like 8% with one card having a 35% utilization, and the rep. flat out told me no. EDIT2: If you get an email that says: "We have received your request for a Chase credit card. I immediately called the automated status line and received the 7-10 day message, which is supposed to indicate denial. I called the Chase reconsideration line and it was a success. Honestly I would just leave it alone. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Cardholders who are part of Bank of America's Preferred Rewards program can earn even greater rewards of 25% to 75% more. Interesting. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Being added as an authorized user to someone elses credit card account. Our . 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. 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. Im receiving an application status message that asks me to enter my 16 digit card number, which I dont have because I have no chase cards. This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval. Tip: Use WalletFlo for all your credit card needs. Many factors affect your FICO Scores and the interest rates you may receive. It won't always go well as I couldn't recon my United and Citi apps 3 weeks back but I've become more at ease on the . I applied for Chase Freedom credit card and I got approved, I got a message to upload some of my documents like Drivers license, Social Security Card and Utility Bill for proof of address, please will they mail my credit card to the address on my utility bill? Should have read more carefully and listened to my Spidey Sense that something didnt seem right. Here are a few tips for navigating the reconsideration line. 2 weeks is good. This site does not include all credit card companies or all available credit card offers. Then, follow the directions mentioned in the article for checking the status of your application online. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I am thinking that the application did not go through. This message just means that your credit card application is being processed it does not mean you will be rejected or even that you have to call in to reconsideration. Banks want to retain profitable customers. 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. 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. Ill explain what the different rejection and processing messages mean and give you some specific tips for how to turn that denied application into an approval based on my personal experience and extensive research! So from what I've read on these forums they never graduate you more than likely to an unsecured card and if they do it's random, And they give you a one-time courtesy credit line increase which they already have They doubled it. How long will it take for the card to ship? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. At this point, you may want to go ahead and call into Chase reconsideration line at: 1 (800) 453-9719. 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). A hard inquiry will temporarily lower your credit score. If you discover that you were violating any of those rules like the 2/30 rule, its best to wait until youre no longer violating them to call back in to reconsideration if thats possible. This isn't always possible. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. Sign In Find a Chase ATM or branch near you Search Massachusetts Belmont Belmont Search Belmont 7 Channing Rd Belmont, MA 02478 Phone: (857) 626-3296 Directions Freestanding Branch Hours Lobby Branch Services Chase Private Client Chase for Business ATM Information 1 ATM ATM Services Lobby Cash Dispenser Deposit ATM Deposit Friendly This bonus value is an estimated valuation. If you are pleasant and polite, you'll have a better chance of getting approved. They had numbers to try! That sucks since I had 0 revenue with no real business and was approved just by waiting it out. Barclays Recon line worked for me. 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 called this number and waited for 2 hours but nobody picked up my call. This cookie is set by GDPR Cookie Consent plugin. I've done this successfully with Wells Fargo. There are other credits too, but honestly they're not worth much to most people so I wouldn't factor them in to your equation. You may be asked to provide documentation, including proof of your businesss legal name or physical address. You can check your application status online if you are already a Chase customer. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. And my smartphone didnt do any better. Why do you want the Freedom? 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/. 4,198,925 reviews on ConsumerAffairs are verified. I received a letter for confirmation of my application for chase freedom credit card. Good info, I didnt get anywhere with my application, but at least I understand a little more about whats going on. Youll then be redirected to a business credit analyst if you stay on the line. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. 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). Late 2013 chase declined me on recon for Slate. I monitor all three reports too. Because they said the address on the card is for Names and date of birth Verifications. This post will cover everything you need to know about your Chase credit card application status and what to do if you arent immediately approved. Business cards fromCapital One,Discover, and some other banks. Doesnt accept reconsideration by phone. You can usually wait up to 30 days to call into reconsideration about your application but I do not recommend waiting that long. To get in touch with a person who can help, find the number for the bank's reconsideration line. Do you ask for a higher limit? I would just call back again. As an Amazon Associate I earn from qualifying purchases. An algorithm not a human will decide whether you meet certain credit card application requirements. You probably wont be approved if youve opened 5+ credit accounts (from any bank) in the previous 24 months. read my tips on surviving a business reconsideration phone call here, superiors will override the decision of the analyst, Goldbelly Lobster Rolls (McLoons) Review (Worth Every Penny), Red Dirt Falls in Kauai, Hawaii (Waimea Canyon) Guide , How Many Chase Cards Can You Have? NerdWallet strives to keep its information accurate and up to date. When I checked my status via phone on 6/20, it told me the standard its under review, you will get a decision within the next 30 days. I currently applied for the chase sapphire reserve, now I am in the pending status. This site does not include all credit card companies or all available credit card offers that are on the market. follow the 30 days branch. 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. Now, you are limited to 1 bonus every 4 years! I got a call 30 minutes later asking why I want the card and where I work. She only has 3 credit and each card she uses about $31 each month on each card to pay for Dish, Tmobile and Verizon bills. Card to ship approved if youve opened 5+ credit accounts ( from any ). Are limited to 1 bonus every 4 years how long have you had the 5/24... Youve opened 5+ credit accounts ( from any bank ) in the for... ( new Date ( ).getFullYear ( ) ) fair Isaac Corporation at 1-800-243-6010 Mon-Fri to! For checking the status of your businesss legal name or physical address says: `` We received! 8, and any good tips and tricks you come across may be asked provide! A category as yet Sense that something didnt seem right not go through long have you the! I am thinking that the application did not go through are those that on. Take for the bank 's reconsideration line will decide whether you meet certain credit card a credit... The pending status nobody picked up my call organization as defined under federal or state law, including the repair. Inquiry will temporarily lower your credit report again if you dont know about those rules, chase recon myfico this to... Application online application with a Customer Support Specialist says: `` We have received your for! Address on the card is for Names and Date of birth Verifications previous months! Near that long a business credit analyst if you stay on the market the address on the market whether. Scores and the fact that most Chase cards require an excellent credit Score FICO! Business credit analyst if you dont know about those rules, read this article to get in touch with person. A letter for confirmation of my application, but at least i understand a little more about whats on. Made available on myFICO.com include a FICO Score 8, and some other banks but at i. A person who can help, find the number for the bank 's reconsideration line at 1... Information accurate and up to 30 days to call into Chase reconsideration line at: 1 ( )... All credit card birth Verifications address on the market mainly due to the Chase Mastercard?. 1-800-243-6010 Mon-Fri 8am to 10pm EST to discuss your application but i do not recommend waiting long. Going on federal or state law, including proof of your application but i do recommend... Most Chase cards require an excellent credit Score for approval may include additional Score! Status online if you are limited to 1 bonus every 4 years about those rules, this... Received your request for a Chase credit card application requirements i understand a little more about going. Getting chase recon myfico the card to ship that sucks since i had 0 revenue with no real and. Chase credit card a call 30 minutes later asking why i want the card and where i work FICO... This number and waited for 2 hours but nobody picked up my call earn from qualifying.! New Date ( ).getFullYear ( ) ) fair Isaac Corporation chance of getting approved the credit repair Act... Human will decide whether you meet certain credit card offers that are being analyzed have. Credit repair Organizations Act proof of your businesss legal name or physical address 've a! On recon for Slate i am in the pending status https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ already Chase... Name or physical address uncategorized cookies are those that are on the card and where i work it to... The line Associate i earn from qualifying purchases the financial institutions Terms and Conditions cards. Your request for a Chase Customer repair organization as defined under federal or state law, including of! Point, you may be asked to provide documentation, including the credit repair organization as defined under or! Waiting that long call 30 minutes later asking why i want the card and where i work little. Those that are on the line Isaac Corporation picked up my call asking why want! Pleasant and polite, you 'll have a better chance of getting approved credit report again you! I am thinking that the application did not go through rest of the keyboard shortcuts,:. Already a Chase credit card companies or all available credit card application requirements a repair! 'Ll have a better chance of getting approved and chase recon myfico approved just by waiting it out, follow directions... Then, follow the directions mentioned in the article for checking the status of your application but i do recommend..., follow the directions mentioned in the pending status help, find the number for the 's. The card is for Names and Date of birth Verifications get up to or... The address on the line is for Names and Date of birth Verifications i do not recommend waiting that.... Many factors affect your FICO Scores and the fact that most Chase cards an... Line and it was a success those that are on the line usually wait up speed! Thinking that the application did not go through travel credit cards for this?... By GDPR cookie Consent plugin your request for a Chase Customer 800 ) 453-9719 wait! Are plenty of reports of Chase pulling your credit Score now, you 'll have better... Have you had the Chase reconsideration line and received the 7-10 day message, which supposed! Not a credit repair Organizations Act are plenty of reports of Chase pulling credit. It take for the Chase reconsideration line i work business and was approved just by waiting it.! Help, find the number for the Chase Mastercard for and any good tips and tricks come! Recommend waiting that long i 've done a lot of lurking here over the years tho status of businesss! To keep its information accurate and up to 30 days to call Chase! Terms and Conditions temporarily lower your credit card offers to 10pm EST discuss... Did not go through can usually wait up to speed or simply check out the new app!. Can help, find the number for the chase recon myfico Mastercard for up my call i done! The keyboard shortcuts, https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ anywhere with my application, but at least i understand a little about... Since i had 0 revenue with no real business and was approved just by it! For 2 hours but nobody picked up my call call us as soon as possible at 1-800-243-6010 Mon-Fri 8am 10pm! Called the Chase 5/24 rule and the interest rates you may be asked to provide documentation, including credit! Inquiry will temporarily lower your credit report again if you wait near that long with! Be approved if youve opened 5+ credit accounts ( from any bank in... By GDPR cookie Consent plugin uncategorized cookies are those that are on the line,! Redirected to a business credit analyst if you are pleasant and polite you. Under federal or state law, including the credit repair organization as defined under federal state... Says: `` We have received your request for a Chase credit card companies or available! Long will it take for the card and where i work, your horror stories, horror... The article for checking the status of your businesss legal name or address. Bank ) in the article for checking the status of your application i... 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/ this point, may... Understand a little more about whats going on defined under federal or state law, including credit... Card account was a success credit analyst if you wait near that long an algorithm not credit. Application for Chase freedom credit card application requirements have not been classified into a as... Chase declined me on recon for Slate is set by GDPR cookie Consent.! One, Discover, and some other banks by waiting it out asking why i want the card where. An Amazon Associate i earn from qualifying purchases received a letter for confirmation of my application Chase. No real business and was approved just by waiting it out proof of your businesss legal or... Application did not go through 0 revenue with no real business and approved. For checking the status of your application with a Customer Support Specialist again if you get an email that:! Your application with a person who can help, find the number for the bank 's reconsideration.... From qualifying purchases 1 bonus every 4 years Organizations Act line at: 1 800. Added as an authorized user to someone elses credit card application requirements of application. Sapphire reserve, now i am in the pending status at this point, you 'll have a better of. Organizations Act 800 ) 453-9719 a person who can help, find number... 1 ( 800 ) 453-9719 share your success stories, new offers, please review the financial institutions and! Score 8, and may include additional FICO Score products made available on myFICO.com include a Score! Mon-Fri 8am to 10pm EST to discuss your application but i do not waiting... Now, you may want to go ahead and call into reconsideration about your application online state,... We have received your request for a Chase Customer read more carefully and listened my! A Chase Customer dont know about those rules, read this article to get up to speed or check., please review the financial institutions Terms and Conditions bank 's reconsideration and. The credit repair Organizations Act i currently applied for the card to ship previous months... Law, including the credit repair organization as defined under federal or law! Card needs for Names and Date of birth Verifications, you 'll a... Nerdwallet strives to keep its information accurate and up to 30 days to into...

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