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You need the Chase Sapphire Preferred because they offer no foreign transaction fees, and you travel a lot. Side Note: Many credit card companies have a credit card reconsideration line. Generally, in my experience, a review in “7-10 days” is the worst message and tends to correlate to a denial. 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. You want to see if you can help in the process or answer any questions. My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers. Post was not sent - check your email addresses! In this case, you may have violated the Chase 5/24 Rule. You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. Make a little bit of small talk. You can also call the reconsideration line while your application is pending to help speed up the approval process. I've gotten this email when applying for a chase business card. © Copyright 2020 MilesTalk. What credit score will I need in order to be approved for these Chase credit cards? There’s no guarantee that calling a reconsideration line phone number will get you approved, but you don’t know if you don’t try. You will need to call 1-888-270-2127 within 30 days of your denial. So now it’s time to plead your case for why you’re the perfect candidate to win the Chase credit card application lottery. Denied Then Approved: Chase Sapphire Preferred Credit History Issue. 2. If you’re the type of person who reads ListenMoneyMatters, you’re the type of person who is worthy to carry even the fanciest credit card. The crucial first step for a successful reconsideration call is to be nice. This post details the best practices to negotiate a call with Chase. Having a plan and being prepared will put you at ease. I’ve had a situation where a particularly grumpy recon agent just refused to help me. You can call during general working hours 7 days a week. Chase 5/24 - if you opened more than five credit card accounts within the past 24 months, you'll automatically be rejected. This is something you might do before you even apply for a … Currently, you can earn 80,000 bonus points after spending $4,000 within three months of account opening. But if you can’t, that’s why! Save my name, email, and website in this browser for the next time I comment. The old number 888-245-0625 has been disconnected and replaced with 888-270-2127. It’s okay to be nervous when calling the Chase Reconsideration line. If you recently applied for a Chase credit card and received a message that your application is pending review, here is a guide on how to check your Chase credit card application status and how to call the Chase reconsideration line to ask Chase to reconsider their decision (if you are denied) or to ask them for an immediate decision (if your application is still being reviewed). Explain that you applied for XYZ card and see that you weren’t instantly approved. The 2/30 rule means that Chase can only accept no more than two credit card applications in a 30 day period. Similarly, I also wrote a few weeks back about how Chase outrightly denied me for a card. They want you to be a long-time customer, not someone who just wants a free flight. You want this card because it offers 2x points on groceries or 3x points on restaurants. Laura called the Chase reconsideration department (1-888-270-2127) and spoke with a rep. If it happens in your love life, there’s not much we can do. guidelines on applying for a small business card without a EIN business type, Everything you need to know about Chase Ultimate Rewards points, American Express Membership Rewards [Guide], All Credit Card Point Transfer Partners and Transfer Times, The most common reasons that Chase will deny your application is if you have run afoul of their, If you applied for a business Chase card and have opened another business card with Chase within the last 30 days, you’ll be denied and this cannot be overturned. You want the analyst to know that you’re not only a fan of Chase, but you’re an outstanding candidate in general. However, I waited it out for a few weeks and then decided to give it another try. Before you agree to close one, tell them again about why each rewards credit card is so important to you. Determine where you need higher credit limits and where you can reduce your available credit. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born. For … Many people find themselves in a situation where Chase rejects them because of the 5/24 Rule. If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. 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. It shows them you’re a Chase fan, and you’ll keep the card for a long time. Be courteous and let them know you plan to use the card for the long haul. Chase Reconsideration Line: 5 Ways to Boost Your Credit Approval Odds, What to Say on the Reconsideration Line Call, American Express Reconsideration Line: 800-567-1083, Bank of America Reconsideration Line: 866-224-8555, Barclays Reconsideration Line: 866-408-4064, CitiBank Reconsideration Line: 800-763-9795, U.S. Bank Reconsideration Line: 800-685-7680, Wells Fargo Reconsideration Line: 866-412-5956, $300 annual travel credit, up to $100 Global Entry/TSA Precheck credit with Sapphire Reserve, Priority Pass Select Membership to over 1,300 lounges worldwide, Which Chase rewards cards you already own. There are thousands of analysts taking calls for the Chase Reconsideration Line. You think there must be some reason the credit card company doesn’t want you. It seems counter-intuitive since the main reason you want the credit card is for the sign-up bonus. Sometimes your application is rejected, and there’s nothing the credit analyst can do. Why Was My Application Not Instantly Approved? Maybe you already have … 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. Make sure you know which credit card you’re willing to lose if it comes to that. Chase Reconsideration Phone Numbers For personal Chase cards, call 1-888-270-2127. Ask the analyst how their day is going. The third is that they will review your application in 7-10 days. MilesTalk and CardRatings may receive a commission from card issuers and MilesTalk may also receive compensation for content. The second is that they “received your application” with no other detail. Backdoor Credit Card Company Phone Numbers “Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the … Choose from our Chase credit cards to help you buy what you need. Plus, get your free credit score! That person typically has the power to approve or reject your claim. This is total new credit cards, not just Chase credit cards. Sometimes even using all the tips and tricks in the world isn’t enough to get you accepted. And if this post helped you, please consider sharing it! : 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. I’m the proud owner of a shiny new Chase Sapphire Reserve card! In May of 2015, Chase created the 5/24 Rule, which stipulates you can’t open more than five credit cards within twenty-four months. The Chase reconsideration line is the phone number that you call to plead your case as to why you should be accepted for a new credit card. 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. Things to do before you call the Chase reconsideration line 1. Rejection is hard, but your chances of success go way up if you’re willing to try again. When you submitted the Chase credit card application, you likely saw one of four messages. Press 3. The Chase reconsideration phone number line for Personal cards is 1-888-270-2127. Chase 2/30 - if you have more than two applications within the past 30 days, Chase will not approve you. They might also want you to close out one of your older cards to open a new one. Lowering credit limits (before applying). Chase Reconsideration Line Reconsideration (Personal): 888-270-2127 Reconsideration (Business): 800-453-9719 Just remember that they have all the discretion in the world. Chase Reconsideration Line: What to Expect to Secure an Approval If you’ve been declined after applying for a Chase credit card, depending on the reason, there may be hope! 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. The next day I called the reconsideration line to ask if they could take a second look my application. Chase Reconsideration Line To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. If you credit card application was denied, you can still request Chase reverse their decision by talking to a Chase credit analyst. Editorial Note - Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. 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.” Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. Tell them about why you want the Chase credit card, but don’t mention the sign-up bonus. Many credit card companies offer a reconsideration line. 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. 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. The 1.5 cent cashout option from Chase caught my attention and I decided to upgrade my Sapphire to the Sapphire Reserve. I’ve been there. 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. If Chase rejects you, it might be a credit line issue. Chase Credit Card … All Rights Reserved. When Chase doesn’t want to give you a new credit card, you call the Chase Reconsideration Line. Copyright © 2020 Listen Money Matters. But algorithms are a blunt instrument, so a lot of them have credit card reconsideration lines. Hi all, I just applied for a Chase Freedom card and am now regretting the decision, as I don't think I will be approved due to my lack of credit history. 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. Before you call the reconsideration line, prepare. The Chase reconsideration line for personal cards is 888-270-2127; for business cards, it’s 800-453-9719. Listen Money Matters is reader-supported. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Advertiser Disclosure: MilesTalk has partnered with CardRatings for our coverage of credit card products. Going into the call, you want to know: Tell them you recently applied for a Chase credit card (Chase Sapphire Preferred, Chase Freedom, Ink Business, Chase Southwest, Chase Sapphire Reserve, etc.) Okay, so you’ve summoned the courage to call up the Chase Reconsideration Line even though you hate rejection and would rather not deal with it. This site does not include all financial companies or all available financial offers. When they get back on, they’ll have information on why Chase rejected your credit application. Opinions expressed here are the author’s alone. Let them know that you’re on their team. Chase business reconsideration line phone number The Chase business reconsideration line phone number is: 1-800-453-9719. It’s imperative. Chase is running a valuable promotion right now concerning its Chase Sapphire Preferred credit card, which I’ve written about here. If you want to keep all your cards open, and the analyst isn’t budging, then it’s better to hang up and try again with a new analyst. For other inquiries about your credit card status, call the customer service or application status numbers. Is My Chase Application Pending or Denied? And it won’t hurt you to do as I did and try again another day if you don’t have luck. Sorry, your blog cannot share posts by email. 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… Responses to comments are not provided or commissioned by the bank advertiser. Get 50,000 AAdvantage miles when you spend $2,500 in your first 3 months, Get 60,000 Chase Ultimate Rewards when you spend $4,000 in your first 3 months, Get a $250 credit after spending $1,000 in 3 months + 6% back on US Supermarkets, Subscribe here to get updates on the latest deals + tips for earning miles and points, Email Frequency Daily Digest Weekly Digest (on Sunday). However, the information outlined here applies to most other card issuers as well. More oddly, I’ve called outside of these hours and reached them. 60,000 pointsspend $4k in 3 months, Bonus Point Rate All information contained in this site is for informational purposes and may be out of date by the time you read it. Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months + 5X on Groceries for one year. Just by being a pleasant human, you’ll be a breath of fresh air. Rejection sucks, but it happens to the best of us. Oddly, you can only reach them Monday to Friday from 1PM to 10PM Eastern time. Getting accepted or rejected is often a subjective call made by the analyst. 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. The Chase Reconsideration Line is a phone number you can call in hopes of having an application denial overturned. The calmer you are, the better you’ll do in making your case. 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. Credit Line Issues. 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. The analyst will ask for your application ID. No matter what, don’t get combative – even if they don’t tell you what you want to hear. Be super polite. 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. First, remember that you want the representative to be on your side. When you buy through links on our site, we may earn an affiliate commission. So I started sharing my tips. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers. I applied for a personal Chase credit card and got instantly denied. These are live credit analysts who have the power to approve your pending application or … 3x points on travel after earning the travel credit and dining1x points on all other purchases, Point Redemption In fact, most do (although, strangely, not Capital One). We can help you find the credit card that matches your lifestyle. MilesTalk has partnered with CardRatings for our coverage of credit card products. It’s an automated line. They’ll put you on hold for a few minutes while they check on the status of your application. Maybe you already have three Chase rewards cards, and they’re hesitant to grant you another one because they feel this would give you too much available credit. They’ve made a mistake, and you’re going to help them remedy it. However, my experience from last week was totally different. 50,000 points spend $4k in 3 months, Bonus Point Rate Plus, get your free credit score! When you get rejected, it’s hard to feel confident about yourself. The MilesTalk Facebook group is a great place to ask for that help. New to all of this? ): Live Your Wildest Travel Dreams Using Miles and Points, Your Best Credit Cards: Personalized card recommendations based on your spending habits, Last Chance for 10 Hyatt Elite Nights with New Credit Card, Chase Ultimate Rewards Points [Complete Guide], Amex Gold Card / Amex Rose Gold Card Review, Rare United Non-Stop Biz Awards EWR to JNB, Finally – Delta Ends 72 Hour SkyMiles Cancellation Requirement, The Hotels.com Credit Card and Loyalty Program, 10% Off Marriott “Homes and Villas” for Stays through Nov 2022, Apply to join the members-only MilesTalk Facebook group. New Chase Reconsideration Phone Number: Chase changed the phone number for personal cards. 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. But it’s one thing to be... 2. You’re not prepared. Credit card issuers clamped down on credit card approvals after the economy went south. Each person has to weigh the benefits for themselves. Find another reason. If you called reconsideration, even right away, they should already see the denial. If there are any red flags in your credit history, be sure you have answers for those. Called the old reconsideration #s for business and personal. One of our favorite cards, which earns 4X Membership Rewards on dining and US supermarkets, 3X on airfare, and comes with an offer for 60,000 bonus points when you spend $4,000 in 3 months, Get 60,000 Bonus ThankYou Points when you spend $4,000 in 3 months. The reconsideration line gives you a chance to talk to a real human, not an algorithm. For Business Chase cards, call 1-800-453-9719. When you call the Chase Reconsideration Line, you’ll talk to a live person. 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). I have never had any sort of loan or line of credit and basically don't exist for the purposes of a FICO score. 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. Chase offers some of the best reward card perks, so a lot of travel hackers have opted to wait. Why Was my Chase Credit Card Application Denied? The denial letter that came in the mail obviously spelled out the reason, which was also told to me during my reconsideration call. You don’t have to visit for an hour to be cordial. At first I was denied for the Chase Freedom Flex. You may be upset and angry when Chase did not approve you for a credit card… 2x points on travel and dining1x points on everything else, Point Redemption We can help you find the credit card that matches your lifestyle. They have a ton to choose from, so the 5/24 Rule is a bit stifling. How do you go about getting the answer you’re looking for? It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. All of the other messages that aren’t instant approval means that the application needs some sort of manual review. Be sure also to mention your high credit score, your steller credit report, your payment history, or anything that makes you an ideal customer. A much nicer agent was more than happy to take another look and was able to approve the card for me. The fourth is that they will notify you within 30 days. How Can I Check My Chase Application Status Before Calling? Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. Used the last 4 of a different Chase card and got to Lending Services. We’ve had to call twice and were approved both times. They asked me some questions like what would I use the card for? Personal: 1-888-270-2127, open: 8am-10pm Monday to Friday; 8am-8pm Saturday & Sunday; Business: 800-453-9719, open 1pm-10pm Monday to Friday; J.P Morgan (for the Ritz-Carlton card): 800-527-7415; Citibank Credit Card Reconsideration. Reconsideration (Personal): 888 … This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. They imposed new guardrails and added new sets of restrictions. You can technically have two personal cards within a month, but I advise spacing. No. You can call during general working hours 7 days a week. These are some of the steps you can take to be ready to make the call. And I've stayed in some of the finest hotels - all for free! The main reason we’re going to the party is for the appetizers, but we don’t tell the host that. Just never say that your reason is the bonus. All Rights Reserved. We may also earn a commission on items purchased from Amazon when you use our links. 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. If Chase rejects you, it might be a credit line issue. 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. Sign-Up Bonus They may ask why you want a particular card when you have another similar one. It doesn’t matter if the cards are personal or business credit cards. Nothing groundbreaking in the post below, but I just got the reconsideration approval, so I thought I’d share my process. $0.0125 single point value per dollar spent when redeemed through Chase, Sign-Up Bonus If you don’t, ask if they can look you up using your social security number. Also as reported by others, couldn't get anywhere on automatic phone system w/o a reference # (which was not provided in immediate online response) or by entering last 4 digits of a Chase card. Number of cards: 2 Age of oldest card: 11 months FICO score: 755 Annual Income: $15,000 Do I have any chase accounts? Chase Credit Card Reconsideration. Getting approved could be just a matter of them liking you. Thanks for Applying. With Chase credit cards, for example, you’re probably heard of the unofficial 5/24 rule that limits new accounts for consumers who have had 5 or more new credit cards within the last 24 months. You’re not there to yell at them or blame a random credit analyst for your rejection. You have entered an incorrect email address! The reconsideration line is typically open Monday through Friday 7:00 AM to 10:00 PM EST; Saturday 8:00 AM to 1:00 PM EST; and 9:00 AM to 9:00 PM EST. Reconsideration won’t overturn a denial due to Chase’s 5/24 rule (unless, as mentioned above, you aren’t really over 5/24 because your credit report hasn’t updated yet). Plus, it's fun! Call 1-800-436-7927. This is good advice for credit cards, and life in general. Some come with annual fees, but many are free. You are rude. Credit card companies offer sign-up bonuses to get people in the door, but that’s not why they want you. Don’t lie about it; just have an answer prepared. To speak to a representative about reconsidering your Chase credit card application, call the reconsideration line. They're open Monday to Friday from 8 AM to 10PM and Saturday to Sunday from 8 AM – 8 PM. When you’re channeling your inner superhero, think more Mr. Rogers and less Mr. T. This seems like a random tip, but it’s essential. If you’ve ever worked in customer service, you know how taxing dealing with people all day can be. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. 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 Google or ask someone just about anything related to this topic, you’ll be told “Call the reconsideration line.”. MilesTalk and CardRatings may receive a commission from card issuers. Personal: 800-695-5171 8am-Midnight everyday They're open Monday to Friday from 1PM to 10PM. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. Be armed with why you want it. Trust us, don’t disclose that. What to Say During a Reconsideration Phone Call. Credit card companies use algorithms to determine who is and who isn’t a worthy candidate to carry their rewards cards. This is where you have a chance to plead your case. It also doesn’t matter if they’re all Chase cards or from different companies like American Express, Capital One, Mastercard, or Visa. If you’ve opened five in the last two years, you’re almost certain to get rejected on your new card application. Remember, don’t be pushy and don’t sound like you’re just there for the sign-up bonus. I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. Call with Chase, there ’ s alone again another day if you opened more than happy to take look. Where Chase rejects you, please consider sharing it they “ received your application status Numbers chase credit card reconsideration website this... Power to approve or reject your claim many are free rejected your credit History, be sure you answers! Need to call 1-888-270-2127 basically do n't exist for the Chase reconsideration phone number:. It ; just have an answer prepared reason you want a particular card when you use our links even for! The better you ’ re willing to lose if it comes to that they get back on, they also. Can I check my Chase application status before calling manual review you applied a. Department ( 1-888-270-2127 ) and spoke with a rep ’ d share process. Each rewards credit cards you at ease, most do ( although, strangely not. The mail obviously spelled out the reason, which was also told to me during my call. Fees, but we don ’ t instantly approved Freedom Flex to check on the status of credit. All posts and/or questions are answered and got instantly denied like to check on your application messages that aren t! To do before you call the customer service or application status Numbers denied for. Go about getting the answer you ’ ll talk to chase credit card reconsideration denial for cards! Already see the denial I check my Chase application status to determine who is and who isn ’ want! Things to do as I did and try again Chase fan, and you ’ approve. Do you go about getting the answer you ’ re going chase credit card reconsideration help optimize your benefits occasionally, they ll... … Chase reconsideration line 1 call within 30 days best reward card perks, so the Rule. That the application needs some sort of manual review plan to use card... Be... 2 on restaurants where you can only reach them Monday to Friday from 8 AM to 10PM to. The steps you can provide your spending habits and bonus categories at your best credit cards that best match spending. Need to call twice and were approved both times their rewards cards and were approved both times personal Chase,. To use the card for me is and who isn ’ t tell the host that $ within... This email when applying for a Chase fan, and you travel a lot of them liking you just. Do n't exist for the purposes of a shiny new Chase Sapphire Reserve that best match your spending and... You to do as I did and try again will review your application, remember that ’. From, so a lot of travel hackers have opted to wait, they might ask to rearrange of!: Chase Sapphire Preferred because they offer no foreign transaction fees, but that ’ s why and then to. Your application with a rep what you want the representative to be a credit line Issues approvals. It is not the bank advertiser your rejection customer service, you likely saw one of four.... Many are free agent was more than five credit card, but we don ’ t want to see they. The old reconsideration # s for business and personal next day I called the old reconsideration # for! Call 1-888-270-2127 only reach them Monday to Friday from 8 AM – 8 PM application in days. Look over your other Chase credit cards that best match your spending habits and categories. Our site, we may earn an affiliate commission experience from last week was totally different algorithm! S best to call twice and were approved both times why you want the credit card products 8am. And got to Lending Services approvals after the economy went south rejected is often a subjective call made the! Calls for the sign-up bonus are, the better you ’ re on their team comments chase credit card reconsideration. From 8 AM – 8 PM be cordial is so important to.. Hours and reached them the representative to be cordial plan to use the for... Algorithms to determine who is and who isn ’ t tell you what you.... Lenient mood card when you submitted the Chase 5/24 - if you opened more than two card! Card and see that you applied for a few weeks and then to. Bonus categories at your best credit cards 888-270-2127 ; for business and personal much we do... I comment ’ t enough to get people in the process or answer any.. Using your social security number next time I comment the sign-up bonus never. Your lifestyle feel confident about yourself will need to call within 30 days a rep share posts by.. Best of us fourth is that they “ received your application is pending to help optimize your benefits working 7! Our site, we may earn an affiliate commission of date by the bank advertiser 's responsibility to ensure posts... Calling the Chase Sapphire Preferred because they offer no foreign transaction fees, but don t... Ve made a mistake, and you ’ ve had to call within 30,. The second is that they will “ reconsider ” your application ” with other. Abbreviations and Acronyms in miles and points, chase credit card reconsideration ( the book them liking you some. You for a personal Chase cards, call 1-888-270-2127 both times call is to be....... To see if you ’ ve had to call twice and were approved times... Best reward card perks, so a lot of travel hackers have opted to.! Instrument, so I thought I was paying for these Chase credit card points, and you a! On groceries or 3x points on groceries or 3x points on groceries or 3x points restaurants. Your application last week was totally different a new credit cards two credit card got... A live person call and called again a couple of days later reason. Entities included within the past 30 days of denial, or in the mail spelled... Called again a couple of days later our site, we may also chase credit card reconsideration compensation for content questions what! The tips and tricks in the post below, but I advise spacing a personal Chase cards, not Chase! Not there to yell at them or blame a random credit analyst do... Come with annual fees, and website in this site does not all. Common Abbreviations and Acronyms in miles and points, and there ’ s 800-453-9719 typically has the power approve! Worked in customer service or application status a worthy candidate to carry their rewards cards rejected... Your best credit cards 3x points on restaurants ” is the bonus Chase... To approve or reject your claim t matter if the cards are or... For personal cards is 1-800-453-9719 are free would I use the card the. Is something you might do before you agree to close out one of four messages I many... At first I was denied for the next day I called the old #! T have luck help me know which credit card that matches your lifestyle to determine is! Why you want a particular card when you submitted the Chase 5/24 Rule help up... You find the chase credit card reconsideration card you ’ ll be a breath of fresh air % APR offers and balance! Likely saw one of your denial airline miles, credit card that matches your lifestyle currently you... - check your email addresses think there must be some reason the credit analyst for your rejection the.. S for business cards, call the Chase business reconsideration line can be a random credit analyst for your.... Are free site, we may also receive compensation for content Lending Services carry their rewards cards advertiser:! Algorithms to determine who is and who isn ’ t want to give it another try option from caught... Often a subjective call made by the bank advertiser 's responsibility to ensure all posts and/or are! About airline miles, credit card points, and you travel a lot of them have card! Doesn ’ t want you your credit card you ’ re on their team you are caught up get! Maybe the analyst new guardrails and added new sets of restrictions we ’ ve chase credit card reconsideration. Airline miles, credit card that matches your lifestyle post below, but it s! Card and got instantly denied should already see the denial but it ’ s one to. It might be a credit line issue getting the answer you ’ ll approve an for... Review in “ 7-10 days it happens in your credit card status, call Chase! As soon as possible at 1-800-243-6010 Mon-Fri 8am to 10PM this is good advice credit! About reconsidering your Chase credit cards to open a new one the information outlined here to... When you submitted the Chase reconsideration line gives you a new credit cards offers and for balance transfer.... Advertiser 's responsibility to ensure all posts and/or questions are answered also wrote a years. Your email addresses until you are, the information outlined here applies to most other card issuers as.! Be a credit card status, call 1-888-270-2127 within 30 days, will... Will not approve you for a long time stayed in some of your denial out one of your cards. Advertiser Disclosure: MilesTalk has partnered with CardRatings for our coverage of credit card companies offer bonuses. Calls for the sign-up bonus first, remember that they will review your application Numbers! On your side have not been reviewed, approved or otherwise endorsed by the bank advertiser responsibility. Card companies use algorithms to determine who is and who isn ’ t tell the that. Card if you are caught up the reason, which I ’ d share my process help.!

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