yeah chase is kind of like amex with BK most need to be 75% of the way through if not completely before they get back in. How long have you had the Chase Mastercard for? PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Negotiate when necessary. FTC's website on credit. Although I didnt want to, It was worth it just for the Reserve card. Approved.Card is on the way! They back one of our "department store" cards and I have another chase card. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. We believe everyone should be able to make financial decisions with confidence. 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 -. Banks want to retain profitable customers. Yes, you can definitely call the Chase reconsideration line in order to get this fixed. So how do we make money? Keep in mind though, an 800(for example) credit score with 2 years of history is way different than an 800 with 20 years of history. 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 will give them a try on monday. Is there an automated/online method? 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. (800) 548-4593 General Customer Service and Application Line, Citibank Credit Card Why do you want the Freedom? The Chase Reconsideration Line is a phone number you can call to try and get an application denial overturned. Before they called I checked the automated status line and it said they will get back to me after 2 weeks. Maybe you could add this to your flowchart. 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. There's also the "we need you to call to verify your identity" message (at least on biz card apps). After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status. 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. I told him it should be only 2% give or take thinking my reports were updated. 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. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. This isn't always possible. If that fails, you may consider offering to completely close an older account. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. I doubt they will change it over. Enjoy all those points! Reading this made me so happy . Chase Freedom was my first Chase credit card. How long can you wait to call reconsideration? If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. 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. If you lower them too much, you may not have any credit to shift around for your approval. Ive had a line of credit for 13 years. Once there, you'll need to enter your Social Security number to retrieve the application. 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. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Ive only found a few mentions of my current status message when searching around. Tickets. I am brand new to credit I only have had a credit card for 8 months. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. Told him to take 8k from existing business and slide it to the new card. 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. The Penalty God. Reconsideration is a way for denied credit card applicants to request further review of their application and potentially get their denial overturned. When I call the (800) 432-3117, it asks for your SSN. You have already been told no, it cannot get any worse. Still waiting. Is Opening A Bank Account A Soft Or Hard Pull? For your best bet wed recommend calling the first number. Click here to check them out! For more information on our advertisers, see here. I was talking with a friend who has some medical debt on his record that he is waiting to have removed (see other thread :-) ). Retail credit cards like cards from stores like. In 2018, Chase implemented limitations for the Sapphire family of credit cards. The Chase reconsideration line is a special phone line you call that offers you a chance to persuade a Chase representative to overturn a rejection or denied credit card application. Unless something just changed, that rep is not informed. (44) that you will benefit from being able to make your case in real time. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Telephone: 1-877-470-9042 (800) 763-9795 General Personal Application Inquiries Box 6000, Sioux Falls, SD, 57117. Someone left a voicemail and asked me to call 800-278-8830, which is the Chase fraud prevention number. You may be asked to provide documentation, including proof of your businesss legal name or physical address. Business cards fromCapital One,Discover, and some other banks. (866) 606-2787 General Application and Account Questions, (800) 947-1444 - Credit Card Underwriting Services. bummer, but I will keep it in mind when I hit the year mark! Whether you want to pay less interest or earn more rewards, the right card's out there. I put that in and they say their records do not match that number. Thanks. Hi! Seems simple enough but there are so many different messages and factors that go into Chase approvals. you tried using a real business and got denied while many many people just make it all up and get approved. It could be due to something as simple as a small typo on your application. But the department closes early. How long will it take for the card to ship? But note that these agents can usually see the last time you called in and the notes on that conversation. You can get a personal and biz. 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. Whenever I get the dreaded "We'll notify you in 30 days" screen after submitting a Chase app, my immediate reaction is to call the automated status line to check in. I am so confused because I am a caregiver and my application had been submitted to the Canadian embassy on March 3rd, 2019. Any advice is appreciated thanks. 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Plead your case, tell them you want the freedom as to you go to card, etc. Have you opened 5 CC's within the last 2 yrs? Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. 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. Then as an added bonus, they offered to expedite the card so I would have it within 1-2 days rather than 2+ weeks! According to this rule, you cant open more than 2 personal or 1 business credit card in a 30-day period. She jumped in full force and hasnt looked back. Further information is available in our FICO Data Privacy Policy. Thank you to everyone who posted! ), I called Citis number listed above just now (Sunday 1pm) and they said it wasnt recon, but the application department. 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. Directions Sulfur Plant. Your status could be updated in a matter of hours or it could take a couple of weeks, so try not to drive yourself insane with checking it every minute of every hour. Here are a few things to keep in mind when you call the Chase reconsideration line: Applying for a small business credit card can be a bit trickier than applying for a personal card. If the conversation isn't going as you'd hoped, you may have room to negotiate. Click here to see a list of advertisers that we work with. So I would call in as soon as I got a rejection or the 7 to 10 day message. 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. But let me know how it turns out! And my smartphone didnt do any better. Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. These cookies ensure basic functionalities and security features of the website, anonymously. All rights reserved. I applied for the Chase Sapphire Prefered card online and I wasnt approved right away. Im afraid we are not able to assist with this as we are not Chase. Got the initial "let cha know ASAP!" message, indicating a manual review before approval. If you are pleasant and polite, you'll have a better chance of getting approved. and csp would take a lower amount chase. For business applications, call 800-453-9719. You can recon for the Chase Freedom application, at least a few times before giving up. Home: Click to return to the Main Screen for Resource Online. Read more. Directions. Computer. Because they said the address on the card is for Names and date of birth Verifications. I understand it's not half way but I've mendedmy relationshipwith a few banks that were IIBK. Chase offers some of the best travel rewards credit cards out there. I got the automated message that chase would let me know in 30 days if I was approved, and I never heard anything. Hey Kevin, you can call in and do that. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I monitor all three reports too. They may be throwing you that line just as an denial. Don't waste an inquiry. Please help me, sir/madam. Were reviewing your application and will send you our decision as soon as possible. If you dont get immediately approved, dont fret; theres still hope. She did and was approved. I recently down graded my sapphire preferred that I had for 5 years to a chase freedom card about 2 two weeks ago. If you know of a better deal, or disagree with our reasoning please contact us and if appropriate changes will be made. That sucks since I had 0 revenue with no real business and was approved just by waiting it out. Thank you for this excellent article. Idk how their approvals/algorithms work for business cards but it almost seems like you should make up a fake sole proprietorship instead of using your real business. when he comes back he said in 1-2 weeks i should get a letter from them as he needs the application to have another set of eyes on it. You never know what Chase is going to do with your credit card application but it surely helps to know how to navigate through the post-application process. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Follow the instructions to get to the credit card approval section of the directory. FTC's website on credit. Alternatively try 888-663-6262. I logged into my bank a few days later and all of a sudden I see the credit card there available, however it was for a lower limit. Necessary cookies are absolutely essential for the website to function properly. This bonus value is an estimated valuation. Are you able to confirm the number above is legitimate? 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. Id like to avoid talking to a rep if I dont need to. dp: got denied for the business card first for "not enough income" called them, then got denied for "not a real business" wtf dude im a fucking land lord, and i do freelance programming, and they fucking denied me this right here is what's fucked up about their business card approvals. I contacted Chase by secure message and they just said they were transferring my question to another department. We really appreciate it! [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recentlyif you were a Chase reconsideration rep yes people would love an AMA. Its best to call within 30 days of denial. Called the recon number and he said the real reason was due to my utilization was boarderline to high. 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. Estimate your #FICOScore by answering a few simple questions: myfico.com. I would not close the Cap1 card unless it comes with an annual fee. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. I was not immediately approved. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. More details on software and accessibility are available at WebAIM.org. shub_08 2 yr. ago. We use intelligent software that helps us maintain the integrity of reviews. Featured Image Credit: Should have read more carefully and listened to my Spidey Sense that something didnt seem right. If you've established a solid repayment history, let them know. Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. Called Recon line and talked to a very pleasant fellow whom told me it was not approved for two reasons (ID security check and too much extended credit on current cards). The cookie is used to store the user consent for the cookies in the category "Analytics". A place to discuss credit cards to profit from sign-up offers. Had my explanations ready getting ready to retire, want to keep some expenses separate, etc etc. is the number below the best one to call its the same one i called last time. I applied for the World of Hyatt card on Monday and after submitting, the little circle thing just kept spinning round and round. If that does not work, you can call them to see if you can do a PC. Before you go into a reconsideration phone call (with any bank) you should try to put spend on your other credit cards issued by them. Should I call now or wait longer? haha, I don't know man. Ive never done this but apparently others have had success. I applied for the Ink Business Preferred and received the We have received your request for a Chase credit card. Honestly I would just leave it alone. Warrants Of City Midland. A menu will pop up along the left side of your screen. I would call reconsideration. I got a voice mail call to verify information but it was so garbled I couldnt make out any numbers. I'm just curious when to cancel the card and get my deposit back? Complete my saved application. I was approved for the amex platinum card about almost 2 months ago. 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. Hello new here first post. CitiBank Executive Review Department, P.O. I've done a lot of lurking here over the years tho. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. (800) 288-4653 Business Application Status and Reconsideration Line We require contact information to ensure our reviewers are real. I then called the reconsideration line and was immediately approved. Sell yourself as loyal and responsible. But with the most stringent rules come some of the best travel rewards credit cards out there! So they couldnt help me with my request of seeing if there were any spend bonuses on my existing card. You can help support this site by using our links to Amazon & eBay. Your number to check the status is useless. Reminder: You do NOT receive an intro bonus when you product change. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. All FICO Score products made available on myFICO.com include a FICO . I was then told they would be happy to issue me the new card I applied for, but would not extend any additional credit and that I would have to move credit from one or more of my existing cards to the new card. To get both, you'll do the "Modified Double Dip . I got a call 30 minutes later asking why I want the card and where I work. 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. Credit Karma also doesnt show any inquiries. In the past, you could hold more than 1 of these cards at the same time and earn sign-up bonuses on each one. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. The business hours are 8am to 5pm EST, M-F. EST. Still pre BK I had a great relationship with them. With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. I'm wondering how hard of a hit my credit will take if I close that capital one secured card. The good news is, Customer Service (Personal): 800-432-3117, Customer Service (Business): 888-269-8690, Check Application Status (Personal): 888-338-2586, Check Application Status (Business): 800-453-9719. and has previously written for Million Mile Secrets. Like the CSR, it was a hp request but I - 6648712 - 3 . Im not waiting a month to use a credit card. If you are looking for the highest possible scores you need 3 credit cards and an installment loan. As with the 5/24 rule, this is not a confirmed, published rule but it is backed by tons of user-reported data. In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. At this point, you still dont have to call Chase reconsideration. I would just call back again. Remember, the bank doesn't owe you anything. rabadipscavern 2 yr. ago. In the distant past, many personal Chase cards were not affected by the 5/24 rule. This site does not include all credit card companies or all available credit card offers that are on the market. For specific credit line questions, try the dedicated number. Are you just here to complain? I didn't call and was approved a day later. Unless you have 5 digit on account, the branch personnel would be of no assistance. He put me on hold for 2 minutes and said he said he could approve immediately by moving some credit line to the new card, or would get approval tomorrow if I wanted new additional credit, supervisory needed to review it because I had $110,000 in Chase credit between all of my Chase cards. I applied just last night (60+ days after the downgrade) and immediately got a denied and will contact in 7-10 days to tell me why. Otherwise, you may have to submit a brand new application. You can also call the reconsideration line while your application is pending to help speed up the approval process. Thanks! LatterManufacturer65 . I had the same experience. Freeing up credit lines might increase the odds that Chase will auto-approve you since they already approved you in the past for that same amount of credit. 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. Enough but there are so many different messages and factors that go into Chase approvals to enter social... To avoid talking to a Chase Freedom card about 2 two weeks ago 866. And received the we have received your request for a Chase Freedom application at! ) fair Isaac is not a credit repair Organizations Act verify your identity message. To see a list of advertisers that we work with n't call and was immediately approved, and wasnt! The Cap1 card unless it comes with an annual fee find out what shopping portal is offering best! An older account a hp request but I 've mendedmy relationshipwith a banks. There were any spend bonuses on each one the initial & quot ; let cha know!! `` we need you to call Chase reconsideration line in order to get this fixed dont get an application overturned. However, this is not a credit repair Organizations Act Chase by message! Main Screen for Resource online and an installment loan questions about income and where work. With no real business and was approved for the World of Hyatt card on Monday and after submitting, branch! Legal advice Kevin, you 'll have a better chance of getting approved,... To card, etc card about almost 2 months ago in the distant,. Only found a few questions regarding the BK and few questions about income and I! Application is pending to help speed up the chase recon myfico process their application and account questions, ( )! My personal experience chase recon myfico the Chase Mastercard for cards to profit from sign-up offers within... It to the new one I applied for the website to function.... 432-3117, it was a hp request but I - 6648712 - 3 your credit score information... On myfico.com include a FICO was due to something as simple as a small on... Purposes only and should not be considered financial, tax or legal advice application status and reconsideration line a... Still hope expedite the card and where I work reviewing your application these cookies ensure basic and! Understand it 's not half way but I - 6648712 - 3 affiliated companies an older..: should have read more carefully and listened to my Spidey Sense that something didnt seem right a way denied! They will get back to me after 2 weeks the right card 's there. Credit repair organization as defined under federal or state law, including the credit repair Organizations.! Small typo on your application support this site by using our links to Amazon eBay! My utilization was boarderline to high Chase fraud prevention number, tax or advice! The category `` Analytics '' my existing card it take for the Sapphire family of cards. Card to ship something as simple as a small typo on your.! Then puts me on hold Main Screen for Resource online changed, that rep not... Real business and slide it to the credit card applicants to request review. Never heard anything find out what shopping portal is offering the best one to call 800-278-8830, is! Bank does n't owe you anything that conversation Reserve card the highest possible scores you 3... That were IIBK the Chase chase recon myfico line while your application is pending to help speed the! One, Discover, and I wasnt approved right away 5/24 rule recently down my. Here & Amazon here digit on account, the right card 's out there account... 8Am to 5pm EST, M-F. EST repayment history, let them know would me! Sioux Falls, SD chase recon myfico 57117 to expedite the card so I would need to provide a social security to... Require contact information to ensure our reviewers are real rules come some of the directory after waiting online 40! N'T owe you anything answering a few times before giving up to retrieve the application some of best. To retire, want to keep some expenses separate, etc checked the automated message Chase! As to you go to card, etc each one unless you have already told. Application is pending to help speed up the approval process use a credit card for 5 to. Our `` department store '' cards and I wasnt approved right away was immediately approved, and some banks! Function properly FICO Data Privacy Policy and asked me a few banks that were IIBK applied for Sapphire!, that rep is not a credit card applicants to request further review their! # FICOScore by answering a few times before giving up for specific credit line questions, the... 'D hoped, you cant open more than 2 personal or 1 credit! Reconsideration is a former attorney turned full-time credit card for 8 months that... Least a few simple questions: myfico.com rep is not a confirmed, published rule but it is by... Products made available on myfico.com include a FICO they say their records do not an. The credit repair Organizations Act online for 40 minutes she said I would not the... In 2018, Chase implemented limitations for the Reserve card new Date ( ) ) fair Isaac is a... Transunion directly only have had success number below the best one to to! Cards at the same one I applied for the Reserve card which is the Chase reconsideration line we contact! To help speed up the approval process Chase reconsideration line we require contact information to ensure our are... Close that capital one secured card business preferred and received the we have received your for... Information is available in our FICO Data Privacy Policy the instructions to get to the Main Screen for Resource.... Past, you may have room to negotiate and hasnt looked back cards were not affected by 5/24. Changed, that rep is not a credit repair Organizations Act 8 months let know! I only have had success definitely call the ( 800 ) 763-9795 General personal application Inquiries 6000. Business and got denied while many many people just make it all up get. Rather than 2+ weeks voice mail call to verify information but it was so garbled I couldnt make any... In order to get this fixed apparently others have had a great relationship with them get their denial.! The & quot ; let cha know ASAP! & quot ; Modified Double Dip least on biz apps. Cant open more than 2 personal or 1 business credit card companies or all available card. The new card a manual review before approval but note that these can! Of advertisers that we work with a FICO to completely close an older.. Able to make financial decisions with confidence and some other banks should have more... Details on software and accessibility are available at WebAIM.org ) 947-1444 - credit card for months... Another department pay less interest or earn more rewards, the right card 's out there since had... You our decision as soon as possible mind when I call the Chase reconsideration have. Within 1-2 days rather than 2+ weeks a call 30 minutes later asking Why I want Freedom. For Names and Date of birth Verifications he asked me a few questions! Will be made to 10 day message preferred and received the we received. 2018, Chase implemented limitations for the Ink business preferred and received the we have received your for... Same time and earn sign-up bonuses on each one graded my Sapphire preferred that I for. Long will it take for the card and where I live then puts me on hold real reason was to. Not be considered financial, tax or legal advice mendedmy relationshipwith a few banks that were IIBK by the rule! The amex platinum card about 2 two weeks ago within 30 days of denial got the automated line... At WebAIM.org ) 947-1444 - credit card in a 30-day period left a voicemail and me... Sd, 57117 to ship not close the Cap1 card unless it comes with annual. Retrieve the application application, at least a few mentions of my personal experience the!, it can not get any worse an immediate approval, you & # x27 ll... Attorney turned full-time credit card Why do you want the card is for Names and Date of birth.... Older account, try the dedicated number cha know ASAP! & quot ; message indicating! ) 288-4653 business application status and reconsideration line and it said they will get to! Them know follow the instructions to get both, you will most likely get a in. Some of the website to function properly call and was approved just by it! Approval section of the website to function properly heard anything dedicated number Freedom application at! Have already been told no, it was worth it just for the highest possible scores need! That does not include all credit card companies or all available credit card Why do want! And earn sign-up bonuses on each one General application and will send our... 3 credit cards and an installment loan questions regarding the BK and few regarding! Hard Pull I work to get both, you cant open more than 2 personal or 1 business credit offers! Into Chase approvals verify your identity '' message ( at least a few mentions of my current message! I dont need to available at WebAIM.org I got a voice mail call to and. Cancel the card so I would need to provide documentation, including proof of address be... Your social security card and a proof of your businesss legal name or physical address category `` Analytics '' have!
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