Please extend the fourteen days limit as Tuesday is the only my day off. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for February 2023, Get more smart money moves straight to your inbox. Does anyone know anything about this? I then called the reconsideration line and was immediately approved. If you are applying for a business credit card like the Ink Business Preferred, the reconsideration call could be, You need the credit card(s) to help segregate your expenses for some reason (e.g., starting multiple businesses), Youre switching or trying to build up a relationship with a certain airline like Southwest or United, You dont want to pay foreign transaction fees or you are attracted to some other benefit (e.g., primary rental car insurance), You prefer one interest rate (APR) over another (especially when dealing with balance transfers). I believe its too early to tell. Thank you for this excellent article. Will you please let me know the number for confirmation. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. Enjoy all those points! However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. rabadipscavern 2 yr. ago. A place to discuss credit cards to profit from sign-up offers. 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 got turned down after applying from an invite letter from Chase Business Unlimited credit card. May 24, an auspicious day. Was put on hold. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. (877) 721-9405 Personal Application Status Line 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. Complete my saved application. Called the recon number and he said the real reason was due to my utilization was boarderline to high. I've only opened a discover it card. Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. During the call you want to remain calm and think clearly about what youre saying. How do I get my username and password if I dont have my debit card yet? If I were in your position, I might hold off for a few more months, just so the card has at least a year open and doesn't look weird on my reports. Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common. The 5/24 rule is not a published rule, but it is very much alive and well. We also use third-party cookies that help us analyze and understand how you use this website. Chase offers some of the best travel rewards credit cards out there. They might also ask you about how much you plan on spending each month/year on the card and what kind of credit line you want. Tenant Relationships Obligations. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I asked to have the card expedited and was told it would arrive in 1-2 business days. 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. We use intelligent software that helps us maintain the integrity of reviews. 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 Hi Moussa. That is very unusual. 3 scores over 700, $170k income, on time payments with my Chase car loanthe only blemishes are one satisfied judgment from 5 years ago and the fact my oldest open account it only 2 years old. Youll automatically be routed to a Barclays personal credit analyst. Pre-qualified offers are not binding. You can check your status online if you are a current Chase customer. Here is a list of our partners. The representative I got was very friendly and seemed helpful, so I decided to plead my case. Then, follow the directions mentioned in the article for checking the status of your application online. The person helped me get a credit limit increase. Hi Peter, If need be, ask if you can transfer credit from another older account to create the new one. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. The downside, I had two other Chase cards and they asked me to close the highest limit card so they can transfer it to this one. FTC's website on credit. Still pre BK I had a great relationship with them. You can use the following numbers: Capital One doesnt really have a reconsideration number. I waited a couple days and got approved. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. 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 ? Thanks for Applying. Barclays Recon line worked for me. Was transferred to Security department to verify my ID and business information, and then back to the original representative I had first talked to from the recon line. I'm wondering how hard of a hit my credit will take if I close that capital one secured card. Diego Just cover all tools and chase request cli myfico forum. That worked, immediately. Knowing that info, Id back in now, and try again! To get both, you'll do the "Modified Double Dip . Good luck, but to be honest I wouldnt hold your breath on the recon. Other than that my other cards were opened in 2012. Further information is available in our FICO Data Privacy Policy. Retail credit cards like cards from stores like. I applied for the World of Hyatt card on Monday and after submitting, the little circle thing just kept spinning round and round. This influences which products we write about and where and how the product appears on a page. Chase Credit Card Reconsideration 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration Capital One doesn't have a dedicated reconsideration line. 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. I've done a lot of lurking here over the years tho. Fast forward to 2015 when Katie discovered the world of points and miles. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site and p. rior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. Featured Image Credit: Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. 3. Estimate your #FICOScore by answering a few simple questions: myfico.com. You also have the option to opt-out of these cookies. Should I wait a while, my current score I 706 but I'm scared if I cancel it will fall below good and not ever give me a chance to get to excellent. She did and was approved. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status. Our partners cannot pay us to guarantee favorable reviews of their products or services. Telephone: 1-877-470-9042 Well he said ok they'd take another look if I called back and do a soft pull. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If the conversation isn't going as you'd hoped, you may have room to negotiate. FTC's website on credit. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Any advice is appreciated thanks. A menu will pop up along the left side of your screen. Thank you for choosing Chase. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Two days later received the following email: We received your request for a new CHASE FREEDOM FLEX credit card. Many factors affect your FICO Scores and the interest rates you may receive. 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. By clicking Accept, you consent to the use of ALL the cookies. You can recon for the Chase Freedom application, at least a few times before giving up. You will need to contact the Canadian Embassy to follow up on your application. Yesterday I received a letter indicating a JPMorgan Chase address stating Action Needed: Please call us to discus your application Well let you know our decision as soon as possible. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). Here are the different types of application status messages that you might get from Chase if youre not instantly approved for a credit card application. consider yourself lucky?? CitiBank Executive Review Department, P.O. Sometimes another credit analyst will view your application more favorably. I think its even okay to tell them that youre trying to build up a more robust credit profile and earn some decent rewards while in the process. On Wednesday, submitted a pre-approval for Dell Preferred Account Financing that came back approved for $3500. 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. NerdWallet strives to keep its information accurate and up to date. This article deals with credit card applications and not immigration applications. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. Even if you close these accounts later, they are counted toward the 5/24 rule. Its free and will help you optimize your rewards and savings! Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. I am super new to this site and to credit in general. This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval. The person at the line mentioned above wasnt able to expedite my increase, but she said that they can increase credit limit on BOA card A by reducing the limit on BOA card B. I recently applied for the chase freedom and was denied due bk. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. For example, if you try to open multiple accounts simultaneously, you may be denied solely because the issuer doesn't like to see too many credit inquiries on your report. 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. More details on software and accessibility are available at WebAIM.org. Box 6000, Sioux Falls, SD, 57117. Is it when the application is approved or when the card is estimated to be received? click here to leave your comment. 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 cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Make it clear you would like to continue doing business with the company. There are plenty of reports of Chase pulling your credit report again if you wait near that long. It sounds like the mailing of the cards usually takes about 2 weeks is that right? EDIT2: If you get an email that says: "We have received your request for a Chase credit card. 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. Open 8am Midnight everyday. Rep came back saying I had the max credit Chase would give me, to many recent credit applications. And my smartphone didnt do any better. Doesnt accept reconsideration by phone. Reading this made me so happy . If you are pleasant and polite, you'll have a better chance of getting approved. Hello new here first post. That number still works for me. This site does not include all credit card companies or all available credit card offers. For more information on our advertisers, see here. If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. If I were you I'd age my chase card to 6 months minimum and look at Amex and / or Discover prequalify for my 3rd card age one of those to 6 months and go for the one I didn't apply for. Many of these analysts can be quite friendly (though they sometimes play hardball in business reconsideration calls). Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. If that does not work, you can call them to see if you can do a PC. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? So now I have submitted reconsideration on the 2nd of May, 2019 and I have not received a reply of yet. Basically, your credit card application is still in limbo. To be approved for certain Chase credit cards (including some of the most popular, like the Chase Sapphire Preferred Card), you cannot have opened 5 or more personal credit cards across ALL BANKS in the last 24 months (with a few exceptions). He asked me a few questions, just clarifying the points on the application, then placed me on hold for a few minutes. How exactly do these calls work sorry I'm super new to this could you try to walk me through it a little bit? It could be the case that they may just need some additional information from you in order to finish processing your application. We will only recommend the products that we believe are the best fit for you, the consumer. Business card status can be checked here. If you dont get immediately approved, dont fret; theres still hope. 4,198,925 reviews on ConsumerAffairs are verified. Many factors affect your FICO Scores and the interest rates you may receive. What card did you apply for? If you ask for a higher credit limit, most issuers will do a hard "pull," or "hard inquiry," of your credit history.