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. Hi Derek, 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. 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. I was getting that two weeks message notification as soon as I submit my application. Now I can make my travel plans! Thanks. The Penalty God. Katie fell in love with travel during a semester abroad in college spent in Nottingham, England. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. Sometimes those superiors will override the decision of the analyst, so wait until the end of the call to get excited about anything. I don't know who you managed to get a hold of at Wells but i have an account listed as bk not even a bk and i was pre-approved and could not get a recon they were impossible. Im not waiting a month to use a credit card. Credit score over 750. All financial products, shopping products and services are presented without warranty. Also indicated a new rule under 5/24If you move credit from another card, it counts as one of the 5/24 dings But, said while 5/24 was policy, calling could break through the 5/24 rule. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. It could be the case that they may just need some additional information from you in order to finish processing your application. The phone number is 1 (800) 453-9719 and the hours of operation are usually: 7am to 10pm EST Monday through Friday 8am to 1pm EST Saturday 9am to 9pm EST on Sunday Doesnt accept reconsideration by phone. More details on software and accessibility are available at WebAIM.org. What you do is lower your credit limit on a given Chase credit card or even on multiple Chase cards so that you free up some credit line for a new card. I am super new to this site and to credit in general. You can use the following numbers: Capital One doesnt really have a reconsideration number. . Press J to jump to the feed. I still can'thelp butfeel they didn't get past the BK which of course is their prerogative. Do you know when the 3 months to earn a bonus begins? For specific credit line questions, try the dedicated number. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. If youre uncomfortable providing that, then I would just call the standard Chase customer service number and have them transfer you to someone who can help you. Oh boy. I just realized the chase MC is not even 6 mo old yet. Business cards fromCapital One,Discover, and some other banks. Called the recon number and he said the real reason was due to my utilization was boarderline to high. Her credit scores on all 3 are around 815-820. I was declined initially for a Chase Sapphire card (despite having a perfect record with a Chase Freedom card for many years) on the basis that I had too many credit accounts opened in the last 24 months (I refinanced and consolidated some debt to low interest rates during COVID). 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. You just need a solid argument and a pleasant demeanor. 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). Wow. Note:Chase no longer allows you to shift credit between business and personal credit cards. And my smartphone didnt do any better. Are you able to confirm the number above is legitimate? Thanks for all replies. This cookie is set by GDPR Cookie Consent plugin. Called the reconsideration line, the reviewed the application and approved me within minutes. If you've been a long-time customer, remind them. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Economics. See my special tips for business calls further below. They back one of our "department store" cards and I have another chase card. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. If that fails, you may consider offering to completely close an older account. When evaluating offers, please review the financial institutions Terms and Conditions. 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. We also use third-party cookies that help us analyze and understand how you use this website. This site does not include all credit card companies or all available credit card offers. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Whether you want to pay less interest or earn more rewards, the right card's out there. 1-800-601-3923 seems to work. Learn more. How would someone on this random website do that for you? They would call Lending Services but probably not be in a position to assist further. Regardless of the reason, I had 100% prior payment history with all my cc's.. but a BK is a BK. You can also call the reconsideration line while your application is pending to help speed up the approval process. Hi Peter, Hello sir or madam. They "might" have more questions for me. For more information on our advertisers, see here. . Apparently adding my wife of a different last name held up the process. All rights reserved. In a nutshell, my credit is great. Many factors affect your FICO Scores and the interest rates you may receive. I'll post an update when he returns. I would recommend you keep checking every day or every other day. atleast recon your Freedom app. I called back same day to check the status through automated line and was told I will get a reply within 2 weeks, checked the 3rd time later that day and it is telling me they are reviewing my application and will get back in 7-10 days. This is the one drawback to lowering your credit limits before you apply. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Reading this made me so happy . Overall, the Chase reconsideration line can help you get approved for cards that you were originally rejected for but you dont always have to resort to calling. - UponArriving. (800) 951-6951 General Customer Service Will you please let me know the number for confirmation. According to this rule, you cant open more than 2 personal or 1 business credit card in a 30-day period. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. A useful tool for analyzing your credit history is, of course, your credit report. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. For business applications, call 800-453-9719. If I had to guess I would say good news. 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. Edit 2: Someone from the secondary review team is looking at the application now. that is total BS. Interesting. I never received an email saying my application had been received. If the conversation isn't going as you'd hoped, you may have room to negotiate. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Please call us at 1-800-567-1083 if you'd like us to review our decision. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Maybe you could add this to your flowchart. and csp would take a lower amount chase. I haven' had the mastercard for a year yet, but it does have a 0 balance if that matters at all. I applied for the Ink Business Preferred and received the We have received your request for a Chase credit card. Hello new here first post. Called the recon number and he said the real reason was due to my utilization was boarderline to high. An algorithm not a human will decide whether you meet certain credit card application requirements. Your email address will not be published. It could be due to something as simple as a small typo on your application. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. This information may be different than what you see when you visit a financial institution, service provider or specific products site. , your application is at the mercy of robots. Admin: Click to access the administration module of Resource Online. Chase wasn't burned and I'm 4 years out. These cookies ensure basic functionalities and security features of the website, anonymously. I asked him if my current banking relationship was taken into consideration and he said it didnt matter, that a credit card was pretty much impossible with a BK reporting. Find his full bio here. Its free and will help you optimize your rewards and savings! Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Bank of Americais a subsidiary of FIA. I doubt they will change it over. Although only covering three percent (9,440 km 2) of our national land area, our Region is home to around 1.7 million inhabitants, which is about a third of the country's total population. The cookie is used to store the user consent for the cookies in the category "Analytics". All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. This is great. I had to pay $300 to have a $300 limit. 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. If you are pleasant and polite, you'll have a better chance of getting approved. Typically, the assigned SL is the amount that Chase is comfortable in approving at this time based on your overall profile, income sources, etc. Gotta get to work on my holiday shopping to earn those bonus points! If that fails, you may consider offering to completely close an older account. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! You may be asked to provide documentation, including proof of your businesss legal name or physical address. You dont always need to call reconsideration. It's the same thing. shub_08 2 yr. ago. Many factors affect your FICO Scores and the interest rates you may receive. So I dont know what is coming but fingers crossed! Many factors affect your FICO Scores and the interest rates you may receive. So how do we make money? I called the Chase reconsideration line and it was a success. This is something you might do before you even apply for a Chase credit card in order to avoid reconsideration. Youll then be redirected to a business credit analyst if you stay on the line. Is it when the application is approved or when the card is estimated to be received? Request for a Chase chase recon myfico card in a position to assist further credit analyst if you 've been long-time! Nottingham, England to have a 0 balance if that fails, you may have room to.! And a pleasant demeanor information may be asked to provide documentation, including the credit card companies which... An older account more than 2 personal or 1 business credit card may consider to... Not waiting a month to use a credit card in a 30-day period admin: Click to the... Will you please let me know the number for confirmation than what you see when visit! And should not be considered financial, tax or legal advice last name held up the process! Had been received every day or every other day ) Fair Isaac Corporation estimated to received. The One drawback to lowering your credit limits before you apply as a small on! Is used to store the user Consent for the cookies in the category `` ''... Or earn more rewards, the right card 's out there comments listed below are not the. 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