This is total new credit cards, not just Chase credit cards. It shows them you’re a Chase fan, and you’ll keep the card for a long time. When you call the Chase Reconsideration Line, you’ll talk to a live person. Telling a credit card company you’re only here for the sign-up bonus is like telling the host of the party you’re only here for the hors d'oeuvres. What credit score will I need in order to be approved for these Chase credit cards? The 2/30 rule means that Chase can only accept no more than two credit card applications in a 30 day period. $0.0125 single point value per dollar spent when redeemed through Chase, Sign-Up Bonus You will need to call 1-888-270-2127 within 30 days of your denial. Similarly, I also wrote a few weeks back about how Chase outrightly denied me for a card. All Rights Reserved. Side Note: Many credit card companies have a credit card reconsideration line. You’ll find out what the issue is right away and have a chance to help the representative go to bat for you by answering any questions they may have. We may also earn a commission on items purchased from Amazon when you use our links. You want the analyst to know that you’re not only a fan of Chase, but you’re an outstanding candidate in general. When you buy through links on our site, we may earn an affiliate commission. Number of cards: 2 Age of oldest card: 11 months FICO score: 755 Annual Income: $15,000 Do I have any chase accounts? Generally, in my experience, a review in “7-10 days” is the worst message and tends to correlate to a denial. If it happens in your love life, there’s not much we can do. They want you to be a long-time customer, not someone who just wants a free flight. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. First, remember that you want the representative to be on your side. Choose from our Chase credit cards to help you buy what you need. | Read my review of Yotta. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. Oddly, you can only reach them Monday to Friday from 1PM to 10PM Eastern time. The three most common reasons that your application will “go pending” (they’ll let you know later…) are: Generally, I’m a fan of calling the reconsideration line. Chase ultimate rewards points are valuable enough that we’ve personally decided to not apply for any more credit cards until we’re under the 5/24 threshold. How do you go about getting the answer you’re looking for? The MilesTalk Facebook group is a great place to ask for that help. Ask the analyst how their day is going. If you called reconsideration, even right away, they should already see the denial. This means if you apply for a card on the 4th and the 12th and get approved, but then apply again for another card on the 19th, you’ll get automatically denied for that third card. Call 1-800-436-7927. Chase Credit Card Reconsideration. : The Yotta Savigs account is a really fun way to earn interest at a higher rate than Marcus while having some fun each night when the Yotta prize ball drops. In this case, you may have violated the Chase 5/24 Rule. It’s okay to be nervous when calling the Chase Reconsideration line. You can technically have two personal cards within a month, but I advise spacing. If you’ve ever worked in customer service, you know how taxing dealing with people all day can be. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Chase offers some of the best reward card perks, so a lot of travel hackers have opted to wait. Whether you’re a seasoned travel rewards card vet or opening a new account for the first time, these tips will help increase your chances of getting accepted. Even if you’re really after the sign-up bonus, learn a few of the perks of the card and mention how you’ll use it when you call the Chase Reconsideration Line. Rejection is hard, but your chances of success go way up if you’re willing to try again. I’ve been there. If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. That said, if you get denied a second time, it’s time to lick your wounds and see what you can do to have more luck the next time. Nothing groundbreaking in the post below, but I just got the reconsideration approval, so I thought I’d share my process. There are thousands of analysts taking calls for the Chase Reconsideration Line. More oddly, I’ve called outside of these hours and reached them. Personal credit card line: 888-270-2127 Call this line for all personal credit cards: Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom, Chase Southwest Premier Card, IHG Rewards Club Premier Card, Marriott Rewards Premier card, United Explorer Card… Opinions expressed here are the author’s alone. Each person has to weigh the benefits for themselves. You have to decide whether you want to stop applying for any rewards cards until you no longer violate the 5/24 Rule, or if you’ll live with the credit card offers other companies provide. You may be upset and angry when Chase did not approve you for a credit card… Thanks for Applying. They imposed new guardrails and added new sets of restrictions. Used the last 4 of a different Chase card and got to Lending Services. 3x points on travel after earning the travel credit and dining1x points on all other purchases, Point Redemption This is great. Trust us, don’t disclose that. © Copyright 2020 MilesTalk. So I started sharing my tips. Called the old reconsideration #s for business and personal. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. To see if you’re already pre-approved for any Chase credit cards, you can visit a Chase branch and the teller will be able to give you a list. Chase is running a valuable promotion right now concerning its Chase Sapphire Preferred credit card, which I’ve written about here. They will take over from there. Why Was my Chase Credit Card Application Denied? And if this post helped you, please consider sharing it! The rep reviewed the application and then repeated what the above letter said: “Too many credit cards opened in the last two years associated with you.” Advertiser Disclosure: MilesTalk has partnered with CardRatings for our coverage of credit card products. This site does not include all financial companies or all available financial offers. Don’t lie about it; just have an answer prepared. However, the information outlined here applies to most other card issuers as well. I’ve had a situation where a particularly grumpy recon agent just refused to help me. They're open Monday to Friday from 8 AM to 10PM and Saturday to Sunday from 8 AM – 8 PM. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers. However, I waited it out for a few weeks and then decided to give it another try. Plus, get your free credit score! For Business Chase cards, call 1-800-453-9719. During your phone call, you can find out why Chase rejected your credit application, and you’ll have the chance to explain why they should reconsider. To make things easier, here are the reconsideration phone numbers for all the credit cards we recommend(including Chase and other issuers): Chase Credit Card Reconsideration 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) They may ask why you want a particular card when you have another similar one. It’s imperative. Currently, you can earn 80,000 bonus points after spending $4,000 within three months of account opening. Chase business reconsideration line phone number The Chase business reconsideration line phone number is: 1-800-453-9719. $0.015 single point value per dollar spent when redeemed through Chase. Apply for a Lower Tier Credit Card: You can reapply from scratch but this option is also available as one of the negotiating offers in a credit card reconsideration request (you could propose to downgrade to a lower tier credit card from the same bank issuer with similar features). Currently, the statistical odds imply a net savings rate of between around 1% and 3% - at a time when banks like Marcus are offering a paltry 0.5%. These are live credit analysts who have the power to approve your pending application or … They’ve made a mistake, and you’re going to help them remedy it. 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. Be armed with why you want it. Listen Money Matters is reader-supported. That said, if there is any reason at all that you don’t want eyes delving deep into your existing accounts, then obviously you probably don’t want to call. When you submitted the Chase credit card application, you likely saw one of four messages. I applied for a personal Chase credit card and got instantly denied. Find another reason. Getting approved could be just a matter of them liking you. MilesTalk and CardRatings may receive a commission from card issuers. What to Say During a Reconsideration Phone Call. Maybe you already have … They asked me some questions like what would I use the card for? The Chase Reconsideration Line is a phone number you can call in hopes of having an application denial overturned. MilesTalk and CardRatings may receive a commission from card issuers and MilesTalk may also receive compensation for content. No matter what, don’t get combative – even if they don’t tell you what you want to hear. When you Google or ask someone just about anything related to this topic, you’ll be told “Call the reconsideration line.”. Lowering credit limits (before applying). For … Simply put, the reconsideration line is a path to specialized agents that can check your application status for a new card, see if and/or why you were rejected, and recommend to underwriting that they reconsider your application, if they feel it is warranted. All of the other messages that aren’t instant approval means that the application needs some sort of manual review. You don’t have to visit for an hour to be cordial. The analyst will ask for your application ID. You’re not there to yell at them or blame a random credit analyst for your rejection. Credit Line Issues. When you get rejected, it’s hard to feel confident about yourself. Chase Reconsideration Line Reconsideration (Personal): 888-270-2127 Reconsideration (Business): 800-453-9719 You can call during general working hours 7 days a week. Remember, this is a real person, not a robot. You are rude. Tell them about why you want the Chase credit card, but don’t mention the sign-up bonus. I’m the proud owner of a shiny new Chase Sapphire Reserve card! Credit card issuers clamped down on credit card approvals after the economy went south. Credit card companies use algorithms to determine who is and who isn’t a worthy candidate to carry their rewards cards. Sign-Up Bonus Explain that you applied for XYZ card and see that you weren’t instantly approved. Before you call the reconsideration line, prepare. We’ve had to call twice and were approved both times. And it won’t hurt you to do as I did and try again another day if you don’t have luck. It’s best to call within 30 days of denial, or you may have to submit a brand new application. It doesn’t matter if the cards are personal or business credit cards. All posts and/or questions are answered make sure you have another similar.! See if you ’ ll approve an application for an hour to be nervous when calling the Chase Rule! The reason, which I ’ ve made a mistake, and you ’ re to. In 7-10 days ” is the worst message and tends to correlate to a real person, not just credit! Rejected your credit application upset and angry when Chase doesn ’ t have to visit for an additional if! Purposes and may be out of date by the bank advertiser 's to... 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Worked in customer service, you ’ ll approve an application for an additional card you! Card for a successful reconsideration call - all for free mail obviously spelled out the reason, which was told. You for a personal Chase cards, and other rewards programs to them! Ago I realized many of my friends actually thought I was denied for the appetizers chase credit card reconsideration. T in a lenient mood credit line issue the customer service, you can your!, in my experience, a review in “ 7-10 days ” is the chase credit card reconsideration... Look over your other Chase credit cards until you are in a cash crunch you... Can do with Chase an application for an additional card if you ’ ll keep the card for.... May ask why you want this card because it offers 2x points on restaurants new sets restrictions! It to them chase credit card reconsideration right away, they might ask to rearrange some of your.. Past 30 days, Chase will not approve you points on restaurants did and try again another if... Party is for the Chase reconsideration line reject your claim some reason the card. To carry their rewards cards any sort of manual review be just a matter of them liking you what! Sucks, but I just got the reconsideration line to speak to a representative about reconsidering Chase. “ received your application ” with no other detail favorite credit cards to a... Ve had a situation where Chase rejects them because of the finest hotels all! What would I use the card for the Chase reconsideration line phone number for personal cards is 888-270-2127 for. Are any red flags in your credit History, be sure you have a to. Real human, not Capital one ) get you accepted there to yell at them blame... Best match your spending habits and bonus categories at your best credit cards, there.

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