So they couldnt help me with my request of seeing if there were any spend bonuses on my existing card. What the hell? Called the recon number and he said the real reason was due to my utilization was boarderline to high. Same. It should ask you to enter your Social Security number to check your application status, and then will let you know whether your application has been processed. Unless you have 5 digit on account, the branch personnel would be of no assistance. Check Your Status Online You can check your application status online if you are already a Chase customer. Thank you for the information. Heres a list of Chase personal and business cards affected by the 5/24 rule: Disclaimer: This information is based on crowdsourced reports and is subject to change; this list hasnt been officially confirmed by Chase. I had the same experience. You can check your application status online if you are already a Chase customer. In my experience, they are pretty accommodating but can be inquiry sensitive and they like to see that youre actually using their credit cards. 5K credit line, which I think is the minimum but I only reported my business income as 10K so it's plenty. Philly To Plane Tickets. 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. If you'd like to add a comment to this article and share your valuable feedback and opinions, please Unless shaving $600 off your TCL would push you over a util threshold, closing the Cap1 secured shouldn't have an effect on your credit score. In the past, you could hold more than 1 of these cards at the same time and earn sign-up bonuses on each one. I then called the reconsideration line and was immediately 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 ? Then I tried talking to someone and the robots didnt recognize my card number or SSN. Its in the "backdoor thread" stickied on top of the CC forum. (800) 695-5171 Personal Application Status and Reconsideration Line After reading some of the comments above, I applied yesterday (11/28) for the Chase Sapphire Preferred and I got the message that it was under review and they needed more information to process my application. Call was perfunctory. New personal credit cards that you open at any bank. I've done a lot of lurking here over the years tho. Generally, this does not mean that youre just interested in getting the great sign-up bonus. Try to dig a little deeper in your interests/motivations. BofA is the only bank recon line that has ridiculous hold times every time. In Cbt Of. Address: Pertunpellontie 6B 27 00740, HELSINKI, Uusimaa Finland Website: www.arecon.fi Learn more. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Hello new here first post. Thank you for your help. They "might" have more questions for me. Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. I was happy to do this as I dont really utilize more than a third of the $50K in credit extended across my current cards. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. This bonus value is an estimated valuation. 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. Enjoy all those points! Business cards fromCapital One,Discover, and some other banks. Many factors affect your FICO Scores and the interest rates you may receive. Ive never done this but apparently others have had success. (800) 645-7240 Business Application Status and Reconsideration Line You can check your Citi credit card application status by checking it online or calling the number below: Discover reconsideration is notoriously difficult since they dont often overturn decisions but you can give it a got at the following numbers: You can alsocheck your application statusonline. 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Hot Tip: If you dont have a registered business like an LLC, it might be best to use your own name as the business name to increase your likelihood of approval. I hope you are able to get your application approved! Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Cap1: 800-258-9319 (Debt Recovery) Chase: 800-432-3117 (App status) Chase: 888-270-2127 (App recon) Chase: 877-781-3109 (combining & product change) Chase: 888-245-0625 (Credit Analyst -. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The 3 month window begins as soon as you are approved for the card. I'd rather have a freedom. Interesting. As with the 5/24 rule, this is not a confirmed, published rule but it is backed by tons of user-reported data. (866) 458-8805 General Account and Reconsideration Line This site does not include all credit card companies or all available credit card offers that are on the market. I know you can apply at a branch office but has anyone done a recon at one? 3rd10% util isnt that bad Id wait till your 2% reports, and then call back in, and tell the person you spoke with what the other rep said about waitiing for your util to change, and try again. You can recon for the Chase Freedom application, at least a few times before giving up. (877) 721-9405 Personal Application Status Line If you ask for a higher credit limit, most issuers will do a hard "pull," or "hard inquiry," of your credit history. 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 was getting that two weeks message notification as soon as I submit my application. 2 weeks is good. call them back. Explained recent credit apps in regard to selling business and needing to refinance cars. Youll probably get put on hold a couple of times while the analyst checks on your profile and perhaps even checks with a superior regarding the approval decision. Two months ago I downgraded my old Sapphire Preferred to a Freedom card in anticipation of applying for a new Sapphire Preferred to get the 100k sign up bonus. Being added as an authorized user to someone elses credit card account. They back one of our "department store" cards and I have another chase card. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. Youll automatically be routed to a Barclays personal credit analyst. If that does not work, you can call them to see if you can do a PC. BofA Business recon for once had almost no wait today. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I doubt they will change it over. Tried recon, I was approved. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Requesting a credit limit increase can hurt your score, but only in the short term. Hi Moussa. There are plenty of reports of Chase pulling your credit report again if you wait near that long. I called this number and waited for 2 hours but nobody picked up my call. My scores were not as good as yours and I should have tried it again! If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. How long will it take for the card to ship? One of the most common ways to get approved in a Chase recon call is to shift credit from one credit card to your new account. 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. They verified the information and said they will have someone look into this. Ive been approved with chase cards with over 20% usage. 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. All rights reserved. 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. They had numbers to try! Warrants Of City Midland. Aug 29, 2022. Otherwise, you may have to submit a brand new application. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Never had a late payment, always paid in full. 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. For specific credit line questions, try the dedicated number. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. 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. Applied for the United Business Card [75K miles] , got the we are looking at your application response, called Chase business reconsideration line. 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. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Well i went ahead and called chase again for a recon and told him what the other rep had said. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. 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. What to get very recent, but now for united changed, he would only find a hard pull of chase request cli myfico forum for details and energy by my first. Reconsideration (Personal): 888-270-2127 Its good to know about when you should call versus when you should just wait it out. Thanks for the great break down in how to handle this process. Her credit scores on all 3 are around 815-820. This cookie is set by GDPR Cookie Consent plugin. Chase Freedom was my first Chase credit card. Is there an automated/online method? Box 6000, Sioux Falls, SD, 57117. Reading this made me so happy . (800) 288-4653 Business Application Status and Reconsideration Line Glad you hear your application was successful! The business hours are 8am to 5pm EST, M-F. EST. When you apply for a credit card, your application is at the mercy of robots. Well notify you within the next 30 days message, Calling into the Chase reconsideration line, Check on the Chase credit card application rules, What to say in a Chase reconsideration phone call, Give a legit reason for wanting the product. 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. I applied for Chase Sapphire Preferred card on 6/19. Questions, try the dedicated number Preferred on 5/16/2022 and got denied a new. 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