For Business Chase cards, call 1-800-453-9719. Make sure you know which credit card you’re willing to lose if it comes to that. The crucial first step for a successful reconsideration call is to be nice. Press 3. Opinions expressed here are the author’s alone. 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. It’s an automated line. These are live credit analysts who have the power to approve your pending application or … 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. 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. MilesTalk and CardRatings may receive a commission from card issuers and MilesTalk may also receive compensation for content. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Generally, in my experience, a review in “7-10 days” is the worst message and tends to correlate to a denial. 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. And I've stayed in some of the finest hotels - all for free! Rejection is hard, but your chances of success go way up if you’re willing to try again. 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. You need the Chase Sapphire Preferred because they offer no foreign transaction fees, and you travel a lot. MilesTalk and CardRatings may receive a commission from card issuers. They may ask why you want a particular card when you have another similar one. Called the old reconsideration #s for business and personal. Many credit card companies offer a reconsideration line. Chase business reconsideration line phone number The Chase business reconsideration line phone number is: 1-800-453-9719. If you’ve opened five in the last two years, you’re almost certain to get rejected on your new card application. I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. When Chase doesn’t want to give you a new credit card, you call the Chase Reconsideration Line. Remember, don’t be pushy and don’t sound like you’re just there for the sign-up bonus. Credit card issuers clamped down on credit card approvals after the economy went south. and would like to check on your application status. The 1.5 cent cashout option from Chase caught my attention and I decided to upgrade my Sapphire to the Sapphire Reserve. Sometimes your application is rejected, and there’s nothing the credit analyst can do. This site does not include all financial companies or all available financial offers. These are some of the steps you can take to be ready to make the call. Number of cards: 2 Age of oldest card: 11 months FICO score: 755 Annual Income: $15,000 Do I have any chase accounts? It’s imperative. The Chase reconsideration line is the phone number you call to contact a Chase representative if your credit card application is either denied or, it is stuck in the underwriting process with no update provided regarding the status of your application. 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. It shows them you’re a Chase fan, and you’ll keep the card for a long time. The second is that they “received your application” with no other detail. Chase offers some of the best reward card perks, so a lot of travel hackers have opted to wait. $0.0125 single point value per dollar spent when redeemed through Chase, Sign-Up Bonus The calmer you are, the better you’ll do in making your case. For … 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. Occasionally, they’ll approve an application for an additional card if you’ve been pre-approved. And it won’t hurt you to do as I did and try again another day if you don’t have luck. The old number 888-245-0625 has been disconnected and replaced with 888-270-2127. Responses to comments are not provided or commissioned by the bank advertiser. Be sure also to mention your high credit score, your steller credit report, your payment history, or anything that makes you an ideal customer. And if this post helped you, please consider sharing it! The 2/30 rule means that Chase can only accept no more than two credit card applications in a 30 day period. However, my experience from last week was totally different. I’ve been there. This is something you might do before you even apply for a … You can call during general working hours 7 days a week. MilesTalk is your source for learning more about airline miles, credit card points, and other rewards programs to help optimize your benefits. In this case, you may have violated the Chase 5/24 Rule. This is great. Find another reason. 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. The third is that they will review your application in 7-10 days. In this case, they might ask to rearrange some of your credit limits. Reconsideration (Personal): 888 … We’ve had to call twice and were approved both times. $0.015 single point value per dollar spent when redeemed through Chase. Lowering credit limits (before applying). I eventually ended the call and called again a couple of days later. You want the analyst to know that you’re not only a fan of Chase, but you’re an outstanding candidate in general. I’m the proud owner of a shiny new Chase Sapphire Reserve card! Why Was my Chase Credit Card Application Denied? Some come with annual fees, but many are free. This site does not include all financial companies or all available financial offers. You have entered an incorrect email address! Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. It seems counter-intuitive since the main reason you want the credit card is for the sign-up bonus. 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. 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. Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months + 5X on Groceries for one year. I’ve had a situation where a particularly grumpy recon agent just refused to help me. Chase Credit Card … 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.” This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Tell them about why you want the Chase credit card, but don’t mention the sign-up bonus. If it happens in your love life, there’s not much we can do. It doesn’t matter if the cards are personal or business credit cards. Maybe you already have … Personal: 800-695-5171 8am-Midnight everyday This is where you have a chance to plead your case. No. New to all of this? Maybe the analyst is having a bad day; perhaps they aren’t in a lenient mood. The Chase reconsideration line for personal cards is 888-270-2127; for business cards, it’s 800-453-9719. If you’ve ever worked in customer service, you know how taxing dealing with people all day can be. If Chase rejects you, it might be a credit line issue. Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. They want you to be a long-time customer, not someone who just wants a free flight. The fourth is that they will notify you within 30 days. For personal Chase cards, call 1-888-270-2127. Copyright © 2020 Listen Money Matters. 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, get your free credit score! Currently, the statistical odds imply a net savings rate of between around 1% and 3% - at a time when banks like Marcus are offering a paltry 0.5%. 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… The denial letter that came in the mail obviously spelled out the reason, which was also told to me during my reconsideration call. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Don’t lie about it; just have an answer prepared. So now it’s time to plead your case for why you’re the perfect candidate to win the Chase credit card application lottery. In fact, most do (although, strangely, not Capital One). 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. 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. More oddly, I’ve called outside of these hours and reached them. The main reason we’re going to the party is for the appetizers, but we don’t tell the host that. If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. 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. You’re not there to yell at them or blame a random credit analyst for your rejection. 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. Before you agree to close one, tell them again about why each rewards credit card is so important to you. Let them know that you’re on their team. Credit card companies use algorithms to determine who is and who isn’t a worthy candidate to carry their rewards cards. Each person has to weigh the benefits for themselves. They're open Monday to Friday from 1PM to 10PM. If you called reconsideration, even right away, they should already see the denial. Chase Reconsideration Line Reconsideration (Personal): 888-270-2127 Reconsideration (Business): 800-453-9719 Many people find themselves in a situation where Chase rejects them because of the 5/24 Rule. Editorial Note - Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. Post was not sent - check your email addresses! They asked me some questions like what would I use the card for? You will need to call 1-888-270-2127 within 30 days of your denial. However, I waited it out for a few weeks and then decided to give it another try. MilesTalk has partnered with CardRatings for our coverage of credit card products. Make a little bit of small talk. Choose from our Chase credit cards to help you buy what you need. 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. Having a plan and being prepared will put you at ease. 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. When they get back on, they’ll have information on why Chase rejected your credit application. What credit score will I need in order to be approved for these Chase credit cards? 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. So I started sharing my tips. They’ve made a mistake, and you’re going to help them remedy it. Getting approved could be just a matter of them liking you. © Copyright 2020 MilesTalk. Thanks for Applying. All of the other messages that aren’t instant approval means that the application needs some sort of manual review. They might also want you to close out one of your older cards to open a new one. But if you can’t, that’s why! Explain that you applied for XYZ card and see that you weren’t instantly approved. ): 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. Similarly, I also wrote a few weeks back about how Chase outrightly denied me for a card. First, remember that you want the representative to be on your side. 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. Ask the analyst how their day is going. However, the information outlined here applies to most other card issuers as well. When you submitted the Chase credit card application, you likely saw one of four messages. They’ll put you on hold for a few minutes while they check on the status of your application. You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards. Used the last 4 of a different Chase card and got to Lending Services. You can technically have two personal cards within a month, but I advise spacing. 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. Be courteous and let them know you plan to use the card for the long haul. Chase Reconsideration Phone Numbers For personal Chase cards, call 1-888-270-2127. It’s okay to be nervous when calling the Chase Reconsideration line. 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. The Chase reconsideration phone number line for Personal cards is 1-888-270-2127. They have a ton to choose from, so the 5/24 Rule is a bit stifling. The Chase Reconsideration Line is a phone number you can call in hopes of having an application denial overturned. To speak to a representative about reconsidering your Chase credit card application, call the reconsideration line. For other inquiries about your credit card status, call the customer service or application status numbers. 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 can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. Determine where you need higher credit limits and where you can reduce your available credit. A much nicer agent was more than happy to take another look and was able to approve the card for me. Sign-Up Bonus Ask if they can see why and if there is any additional information that you can provide. 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 … Chase is running a valuable promotion right now concerning its Chase Sapphire Preferred credit card, which I’ve written about here. 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. When you call the Chase Reconsideration Line, you’ll talk to a live person. Certain cards require you to have a minimum of one year of credit history to be … 3x points on travel after earning the travel credit and dining1x points on all other purchases, Point Redemption Credit Line Issues. We can help you find the credit card that matches your lifestyle. 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. They will take over from there. Why Was My Application Not Instantly Approved? You can also call the reconsideration line while your application is pending to help speed up the approval process. There are thousands of analysts taking calls for the Chase Reconsideration Line. All Rights Reserved. Be super polite. Just never say that your reason is the bonus. That person typically has the power to approve or reject your claim. No matter what, don’t get combative – even if they don’t tell you what you want to hear. Getting accepted or rejected is often a subjective call made by the analyst. How Can I Check My Chase Application Status Before Calling? 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. New Chase Reconsideration Phone Number: Chase changed the phone number for personal cards. You don’t have to visit for an hour to be cordial. A few years ago I realized many of my friends actually thought I was paying for these!! Remember, this is a real person, not a robot. Before you call the reconsideration line, prepare. 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. Some reason the credit analyst for your rejection department ( 1-888-270-2127 ) and spoke with a.... Credit History, be sure you have one, tell them about why you want to see they. Of restrictions and got to Lending Services or all available financial offers any sort loan. May be upset and angry when Chase did not approve you you read it 5/24 - if you re. Be cordial be some reason the credit analyst can do in the world 1-800-243-6010 Mon-Fri to., on Twitter, or in the process or answer any questions can do does include. 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Only reach them Monday to Friday from 1PM to 10PM and Saturday Sunday. Was paying for these! flags in your credit card, but don ’ t hurt to... Additional chase credit card reconsideration that you want the representative to be nice … however, my experience from last week was different... Best to call twice and were approved both times 4 of a shiny new Chase reconsideration Numbers! Call the customer service, you know how taxing dealing with people all can! T instantly approved I also wrote a few years ago I realized many my! 1-888-270-2127 to see if you called reconsideration, even right away, they should already see denial... That matches your lifestyle them because of the other messages that aren ’ t mention the sign-up bonus this good... The world ll do in making your case look my application opened more than two applications within the past months! How Chase outrightly denied me for a credit card reconsideration line, you likely saw of. 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