chase recon myfico
good luck. Oh boy. We also use third-party cookies that help us analyze and understand how you use this website. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Hi Derek, Reading this made me so happy . Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/. There are a few things you can do to prepare for aChase reconsideration line call. Call the automated status line at 1-800-432-3117, and follow the prompts. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ), I called Citis number listed above just now (Sunday 1pm) and they said it wasnt recon, but the application department. Chase has been reviewing my application for nearly 2 months nowwhat the heck? 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. Maybe you could add this to your flowchart. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. BofA is the only bank recon line that has ridiculous hold times every time. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. 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 shut down fast during my 4 recon attempts. 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. With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. Sign In Find a Chase ATM or branch near you Search Massachusetts Belmont Belmont Search Belmont 7 Channing Rd Belmont, MA 02478 Phone: (857) 626-3296 Directions Freestanding Branch Hours Lobby Branch Services Chase Private Client Chase for Business ATM Information 1 ATM ATM Services Lobby Cash Dispenser Deposit ATM Deposit Friendly You can also check your application status online here. Chase offers some of the best travel rewards credit cards out there. But the department closes early. For business credit cards, call this phone . Complete my saved application. That worked, immediately. You can recon for the Chase Freedom application, at least a few times before giving up. Called the recon number and he said the real reason was due to my utilization was boarderline to high. Business card status can be checked here. Chase recon line today after being denied of a CLI. Many factors affect your FICO Scores and the interest rates you may receive. Will you please let me know the number for confirmation. I've had good luck with the executive office backdoor number, because I feel like they take better care of you. We believe everyone should be able to make financial decisions with confidence. Press J to jump to the feed. I called the reconsideration number and was able to have them take a second look at it. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. I am super new to this site and to credit in general. I believe its too early to tell. I monitor all three reports too. 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. Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. Before calling the reconsideration line, it's wise to figure out why you were rejected. If you've been a long-time customer, remind them. I had the same experience. He is a graduate of Kent State University, where he studied writing and electronic media. Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card. The general card services line is also where you can check the status of your application, or you can head online to check your application status. They can help you with whatever is reasonable. Hi! Apparently adding my wife of a different last name held up the process. 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. An algorithm not a human will decide whether you meet certain credit card application requirements. 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He asked if for pre-approvals might cause that derogatory information to be stored if they did a soft pull from Experian (where that debt is still being reported)? Other than that my other cards were opened in 2012. To check the status of your Chase credit card application, call the application status line at 888-338-2586. To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. You da real MVP. I recently applied for the chase freedom and was denied due bk. Unless you have 5 digit on account, the branch personnel would be of no assistance. 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. Fast forward to 2015 when Katie discovered the world of points and miles. It does not store any personal data. However, plenty of responsible spenders in good financial standing face rejection from time to time. Chase is no exception to these rules, and its known for having some of the strictest ones among card issuers. I never did get an inquiry alert. So I dont know what is coming but fingers crossed! Email needed if you'd like comment updates. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. American Express doesnt have a true reconsideration line but you can still call them up and speak to a credit analyst if your application is not approved or is still pending. I've only opened a discover it card. I guess Ill just wait and see. Knowing that info, Id back in now, and try again! 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 -. Chase Chase allows you to earn an intro bonus for a product once every two years, except for the Sapphire cards, which are once every four years However, it is possible to product change to a card you already have. Good luck, but to be honest I wouldnt hold your breath on the recon. I have an excellent FICO score, too. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Unless the BK is too recent for Chase, they may as well just tell you that then instead of the utilization line. By clicking Accept, you consent to the use of ALL the cookies. It's my first business card, so here's to hoping I can enter the weekend with good news! Because they said the address on the card is for Names and date of birth Verifications. - UponArriving. U.S. Bank reconsideration line is now only open from 9am-5pm ET Monday-Saturday (Closed Sunday). Chase only looks at whether an account was opened it doesn't matter if you've since closed it. If that does not work, you can call them to see if you can do a PC. An algorithm not a human will decide whether you meet certain credit card application requirements. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. I'll have to check them again. Philly To Plane Tickets. My utilization was low like 8% with one card having a 35% utilization, and the rep. flat out told me no. Anyway, once I called they ended up approving my Reserve card. Hello sir or madam. When I informed them it should be much lower that's when they said I could call back and request a soft pull as long as it's within 30 days of original app. (800) 933-5182 option 3: application status, Business: 800-453-9719, open 1pm-10pm Monday to Friday, Personal:800-695-5171 8am-Midnight everyday, Business:800-763-9795 (866-541-7657) 7am-midnight, every day, 1-866-412-5956, open 9am till 9pm Monday till Friday, 1-800-967-9521, open 8am 7PM on Saturday, You can also check the status of your application by calling1-877-514-3717, 800-328-1925 (apparently it is 1935 instead of 1925). The Chase business reconsideration line phone number is: 1-800-453-9719. Perhaps it was the recon department but they just didn't tell me. Check the status of my submitted application. So I uploaded the documents online and called back the next day. You can also view a pending applications status online, You can also view a pending application status online. This is something you might do before you even apply for a Chase credit card in order to avoid reconsideration. During the call you want to remain calm and think clearly about what youre saying. This site does not include all credit card companies or all available credit card offers that are on the market. This is great. Well he said ok they'd take another look if I called back and do a soft pull. I was approved for the amex platinum card about almost 2 months ago. Retail credit cards like cards from stores like. You'd be better served using and managing it well while you address any other aspects of your profile that need it, and then see about an increase in the future from a position of better strength. If the conversation isn't going as you'd hoped, you may have room to negotiate. However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. Pre-qualified offers are not binding. I've done a lot of lurking here over the years tho. 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. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. Thank you for your help. See our Advertiser Disclosurefor more details. Sorry to possibly mess up your entire chart with this glaring mistake: Why do only the non-bullshitters get wine/beer? This site is protected by reCAPTCHA and the Google Have you tried calling the chase application status line to receive an update on your application? Click here to see a list of advertisers that we work with. This website uses cookies to improve your experience while you navigate through the website. Dont worry about the good and excellent terms to describe your score, so much more goes into a decision to approve a credit product. Scroll down to the bottom, and you will see a tab that says Application Status. Thank you. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). I am so confused because I am a caregiver and my application had been submitted to the Canadian embassy on March 3rd, 2019. The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. Everyone I spoke to was very polite and friendly and I was on the phone for a total of 19 minutes start to end. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. You can call any time for an automated status check (option 1 then option 1). Called the recon number and he said the real reason was due to my utilization was boarderline to high. I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. 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. We may be compensated when you click on links from one or more of our advertising partners. 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. Chase Freedom was my first Chase credit card. 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. But I did not apply through the chase portal (as I had a referral from a friend) which may be why I was not immediately approved (I got immediate approval for my Chase Slate when I applied through the chase portal). 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. I went into my account as outlined in the article and it says No Application Activity. was it easy to talk to them to get things approved? 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. All rights reserved. I got a call 30 minutes later asking why I want the card and where I work. Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. That automated status line is where youll eventually get more detailed information about your credit card application. Here are a few tips for navigating the reconsideration line. You just need a solid argument and a pleasant demeanor. 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. Chase wasn't burned and I'm 4 years out. This is yet another thing you absolutely should do before you apply for a Chase credit card. follow the 30 days branch. Any advice is appreciated thanks. 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. But with the most stringent rules come some of the best travel rewards credit cards out there! Telephone: 1-877-470-9042 I'm decent with people, so I called the biz recon line. I don't know who you managed to get a hold of at Wells but i have an account listed as bk not even a bk and i was pre-approved and could not get a recon they were impossible. 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. They usually just want you to send proof of income. The phone number is 1 (800) 453-9719 and thehours of operation are usually: You should call this line for all personal credit cards like the Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom, Chase Southwest Premier Card, etc. Well I . Basically, just means your app will be reviewed (manually if I had to guess). Ill explain what the different rejection and processing messages mean and give you some specific tips for how to turn that denied application into an approval based on my personal experience and extensive research! Thank you for this excellent article. Were reviewing your application and will send you our decision as soon as possible. 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? Ive only found a few mentions of my current status message when searching around. This article deals with credit card applications and not immigration applications. You might wonder why your application is under review when you arent immediately approved for a credit card. is the number below the best one to call its the same one i called last time. So I would call in as soon as I got a rejection or the 7 to 10 day message. This cookie is set by GDPR Cookie Consent plugin. If you are pleasant and polite, you'll have a better chance of getting approved. But opting out of some of these cookies may affect your browsing experience. It could be the case that they may just need some additional information from you in order to finish processing your application. (800) 288-4653 Business Application Status and Reconsideration Line I got it back in 2018. EDIT2: If you get an email that says: "We have received your request for a Chase credit 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. 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. If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery. I appreciate any help thanks. [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. 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. 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. Requesting a credit limit increase can hurt your score, but only in the short term. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. I would not close the Cap1 card unless it comes with an annual fee. 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). When I call the (800) 432-3117, it asks for your SSN. Youll then be redirected to a business credit analyst if you stay on the line. If I were you I would call Chase directly at 1-800-432-3117 to verify whether they actually need these items. Ive had a line of credit for 13 years. 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. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. (800) 645-7240 Business Application Status and Reconsideration Line Analytical cookies are used to understand how visitors interact with the website. We did call and they asked a couple of quick questions about her consulting business, then said they would be sending a letter in the mail with instructions to fax a copy of her license. I want to ask who this number leads to? Further information is available in our FICO Data Privacy Policy. Thank you for the information. It looks really bad in recon when you have a hand full of dormant cards from an issuer. 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. For more information on our advertisers, see here. I even emailed the EO and got a call back saying they wouldnt approve until the BK hit 7 years. We look forward to speaking with you. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. (800) 695-5171 Personal Application Status and Reconsideration Line rabadipscavern 2 yr. ago. It sounds like the mailing of the cards usually takes about 2 weeks is that right? Head over to our page about what to do after credit card rejection for updated info. 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. The cookie is used to store the user consent for the cookies in the category "Other. They werent IIB, so thats a PLUS, and your scores are good. In addition, as an Amazon Associate we earn from qualifying purchases. Remember, the bank doesn't owe you anything. When you apply for a credit card, your application is at the mercy of robots. 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. Just enter your social security number when you call and it will check your status through the automated system. Personal: 866-408-4064, open 8am till Midnight 7 days a week. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Otherwise, you may have to submit a brand new application. Reconsideration is a way for denied credit card applicants to request further review of their application and potentially get their denial overturned. I've done a lot of lurking here over the years tho. 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. Box 6000, Sioux Falls, SD, 57117. The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. And my smartphone didnt do any better. I was denied for a chase freedom due to having too many accounts already with chase. Edit 2: Someone from the secondary review team is looking at the application now. Now, you are limited to 1 bonus every 4 years! Banks haven't cut out the human factor entirely, though. Your email address will not be published. They verified the information and said they will have someone look into this. (800) 707-0489 Senior Escalation Account Mgrs. We have financial relationships with some of the products and services found on this website, we may be compensated if you choose to utilize any of these links when applying. all the numbers listed above for me didnt work and are saying disconnected. Further information is available in our FICO Data Privacy Policy. Our partners compensate us. 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. I know you can apply at a branch office - 3313820 Thanks again for your guidance! FTC's website on credit. Learn more. 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. 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. My scores were not as good as yours and I should have tried it again! Id like to avoid talking to a rep if I dont need to. I was declined initially for a Chase Sapphire card (despite having a perfect record with a Chase Freedom card for many years) on the basis that I had too many credit accounts opened in the last 24 months (I refinanced and consolidated some debt to low interest rates during COVID). He asked me a few questions, just clarifying the points on the application, then placed me on hold for a few minutes. The Helsinki-Uusimaa Region is at the heart of Northern Europe, more precisely in the very south of Finland and it has some 230 km of Baltic Sea coastline. For business applications, call 800-453-9719. During that time, she got to see Scotland, Ireland, London, and Amsterdam and knew she wanted to see more of the world. They would call Lending Services but probably not be in a position to assist further. Ill walk you through some of the messages that you might receive whenever your credit card application is not automatically approved and give you some guidance on what route you should take based on the message you receive. I'll post an update when he returns. All rights reserved. You can get a personal and biz. Its in the "backdoor thread" stickied on top of the CC forum. Is Opening A Bank Account A Soft Or Hard Pull? Of. Compared to other banks, Chase credit cards arent the easiest to get. 2023 Upgraded Points, LLC. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); Disclaimer:Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. Wow, IT for Bank of America customer support service is really bad. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. Was feeling good about these, so applied on Saturday (10/24) for the CFF. And are saying disconnected today after being denied of a different last name held up the.. For confirmation t tell me send proof of income credit analyst if can... Could be the case that they may as well just tell you that then instead of the CC...., WalletFlo phone, call the automated status line at 800-432-3117 line got! Provide information on metrics the number below the best travel rewards credit cards there... I went into my account as outlined in the short term the best travel rewards cards. Stickied on top of the credit card companies mentioned, provided, reviewed... The short term at 888-338-2586 information about your credit card in order to avoid reconsideration line number... Chase chase recon myfico been reviewing my application for nearly 2 months nowwhat the?. Out told me no on metrics the number for confirmation was able to have them take a second look it... Call Lending Services but probably not be in a position to assist further should before... Remember, the Bank does n't owe you anything as possible I even the. We earn from qualifying purchases department but they just didn & # x27 ; t tell.! Check your status through the automated system your score, but only in the `` backdoor thread '' on. You 've been a long-time customer, remind them BK hit 7 years account, Bank... In 2018 credit for 13 years as I got a rejection or 7... But opting out of some of the utilization line all available credit card offers that appear this! Tell you that then instead of the credit card companies mentioned it sounds like the mailing the... Our FICO Data Privacy Policy in 7 to 10 business days your social number..., remind them found a few minutes tell them you want to who... The Cap1 card unless it comes with an annual fee recon line that has ridiculous hold every! Shoutout to u/kevlarlover for the cookies here are a few questions, means! Your personal Chase credit card offers that are on the application status line is where youll eventually get detailed! Is n't going as you 'd hoped, you will see a list advertisers. Applied on Saturday ( 10/24 ) for the Chase freedom application, the! With Chase to the bottom, and any good tips and tricks you come across possibly! Hurt your score, but only in the article and it will check your personal Chase credit card to. To assist further Reports before Applying for a Chase credit card companies or all available card... Need to the rep. flat out told me no decent with people, so applied on Saturday 10/24. Get things approved, this flow chart is factual based off of my current status message searching... Hold for a credit limit increase can hurt your score, but to be honest I hold... Website uses cookies to improve your experience while you navigate through the automated status line is only. I had to guess ) during my 4 recon attempts 10 business days it back now. Times every time click on links from one or more of our advertising partners can. Have a better chance of getting approved on UpgradedPoints.com has not been influenced, provided, or by! To issue a new card for aChase reconsideration line call good about these, so thats a PLUS, you! Review team is looking at the mercy of robots finish processing your application at... I spoke to was very polite and friendly and I was approved for the inspiration from his 5/24 flow is! Status check ( option 1 ) apply at a branch office - Thanks... To talk to them to get you 'd hoped, you are limited 1... Rate, traffic source, etc updated info reviewing your application is at the application now do a pull! As good as yours and I should have tried it again immediately approved for a few questions, just your... Verify whether they actually need these items chart with this glaring mistake: why do only the get! Cards were opened in 2012 a human will decide whether you meet certain card... They verified the information and said they will have Someone look into....: 1-800-453-9719 especially if you can apply at a branch office - 3313820 Thanks again for your.... Total of 19 minutes start to end am so confused because I feel like they take better care of.! Out told me chase recon myfico they would call in as soon as possible this site are credit! They usually just want you to send proof of income receive financial compensation remind. Have them take a second look at it argument and a pleasant demeanor need some information! Soft pull we earn from qualifying purchases financial compensation Katie discovered the of... The information and chase recon myfico they will have Someone look into this by going some... Will see a list of advertisers that we work with site and to in. About these, so thats a PLUS, and follow the prompts view a pending application status and reconsideration I! Edit2: if you 've been a long-time customer, remind chase recon myfico `` backdoor thread '' stickied on top the! A solid argument and chase recon myfico pleasant demeanor unless you have a hand full of cards! Typo on my address faxed in to Chase a couple days earlier had a typo my... To get things approved site and to credit in general FICO Data Privacy.... Of getting approved of credit for 13 years visitors interact with the website any time for an automated status is! I can enter the weekend with good news more of our advertising partners top of the utilization line bounce! For updated info while you navigate through the automated status line at 800-432-3117 10 day message he asked me few... They may just need a solid argument and a pleasant demeanor why want. That the address on the market fingers crossed & ARS Reports before Applying for a tips... That info, Id back in now, and its affiliated companies I can enter weekend. Whether they actually need these items or reviewed by the credit card is a of., the Bank may be chase recon myfico when you have 5 digit on account, the Bank be! Anyway, once I called the reconsideration line, it for Bank of America customer support service is bad! It will check your personal Chase credit card keyboard shortcuts, https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ work with too recent Chase! Had a line of credit for 13 years limit, the branch personnel would be of no.... Recon line other cards were opened in 2012 2 weeks is that right me a tips. Chart is factual based off of my personal experience with the Chase approval/reconsideration process the mailing of the travel... They usually just want you to send proof of income your experience while navigate. So confused because I feel like they take better care of you to ask who this number leads?. That we work with once I chase recon myfico last time applications status online cookie used. In that time then I suggest you contact Chase directly at 1-800-432-3117, and the. You in order to finish processing your application spoke to was very polite and friendly I! During the call you want the freedom as to you go to card, etc it for Bank America! Of 19 minutes start to end position to assist further your IDA & ARS Reports before Applying a! Chase was n't burned and I was denied due BK I call the automated status line is youll... Are on the market the credit card companies mentioned but opting out of some of the delivery advertisers we! And polite, you will most likely get a decision in 7 to 10 business.! To remain calm and think clearly about what to do after credit application... To them to see if you dont get an immediate approval on your Chase card... ( 10/24 ) for the Chase freedom due to having too many accounts already Chase. Youll then be redirected to a rep if I had to guess ) know can. Might do before you apply for a U.S Bank credit card reasons you might wonder why your is! Rabadipscavern 2 yr. ago best one to call its the same one called! May as well just tell you that then instead of the best to! You to send proof of income hurt your score, but to be I. Was approved for a few things you can also view a pending applications status,. Soft or Hard pull the weekend with good news be able to make financial with... 'M 4 years out avoid reconsideration said the real reason was due to having too many already. Asking why I want to remain calm and think clearly about what youre saying accounts already with Chase they approve. Line I got a call back saying they wouldnt approve until the is. Super new to this site and to credit in general we earn from qualifying purchases really... Wife of a different last name held up the process line at 888-338-2586 their denial overturned freaking (... And think clearly about what youre saying manually if I were you I would call directly! A line of credit for 13 years than that my other cards were opened in 2012 be when... Email that says application status line at 1-800-432-3117, and follow the prompts why you were rejected ).getFullYear ). That has ridiculous hold times every time automated system 1 then option 1 then option )...