FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. It won't always go well as I couldn't recon my United and Citi apps 3 weeks back but I've become more at ease on the . However, this flow chart is factual based off of my personal experience with the Chase approval/reconsideration process. Featured Image Credit: 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. I was getting that two weeks message notification as soon as I submit my application. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. Doesnt accept reconsideration by phone. I'm actually surprised I got approved for the Chase freedom card anyway. (800) 947-1444 - Credit Card Underwriting Services, About the author: Stephen Vanderpool is a former writer for NerdWallet. Otherwise, you may have to submit a brand new application. Let's hope I didn't screw myself by asking for that instant decision. I then called the reconsideration line and was immediately approved. I called this number and waited for 2 hours but nobody picked up my call. It could be due to something as simple as a small typo on your application. Ive heard it is usually better to apply at a Chase bank vs online. FTC's website on credit. 10 Things Most People Don't Know About Chase Request Cli Myfico Forum. Learn more. This cookie is set by GDPR Cookie Consent plugin. I honestly don't know how everyone has such glowing experiences with the Chase recon line. It's the same thing. You can help support this site by using our links to Amazon & eBay. If you dont know about those rules, read this article to get up to speed or simply check out the new app WalletFlo! If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). They usually just want you to send proof of income. CitiBank Executive Review Department, P.O. 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 got the automated message that chase would let me know in 30 days if I was approved, and I never heard anything. They werent IIB, so thats a PLUS, and your scores are good. He has also written fiction and screenplays and worked on independent films. In Cbt Of. All rights reserved. Thanks! For business applications, call 800-453-9719. As far as I can remember, I called the reconsideration line the next day and was immediately approved. 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 This cookie is set by GDPR Cookie Consent plugin. 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. When I checked my status via phone on 6/20, it told me the standard its under review, you will get a decision within the next 30 days. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days. You can call any time for an automated status check (option 1 then option 1). 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. Complete my saved application. 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. Thank you for your help. The loan officer that I had metat a WF brancha couple of times put in a good word for me with CS and I was approved with them. Link for Amex application status is incorrect, takes you to a BoA website. Hot Tip: The Chase reconsideration line for personal cards is 888-270-2127. - UponArriving. Explained recent credit apps in regard to selling business and needing to refinance cars. Applied for the Chase Sapphire Prefered card and I wasnt approved right away. - Alex & Erin. Tenant Relationships Obligations. Figured since Chase gave me $9K on my CSR yesterday, I might as well call again for the CFU. This is something you might do before you even apply for a Chase credit card in order to avoid reconsideration. Thanks for Applying. Hello new here first post. Hi Derek, I called the reconsideration line today (the day after) and the rep placed me on hold and did the processing then and there, at which time I was immediately approved. There are other credits too, but honestly they're not worth much to most people so I wouldn't factor them in to your equation. 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number). Have you tried calling the chase application status line to receive an update on your application? If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If you've been a long-time customer, remind. Read our tips on what to do and say before calling reconsideration. This consists of the Chase Sapphire Preferred card and the Chase Sapphire Reserve card (plus a base Sapphire card that is no longer open to new applicants). almost guaranteed you're approvedthat "we'll let you know in 1-2 weeks" would change to approved on automated status line in a couple days if not less. Once there, you'll need to enter your Social Security number to retrieve the application. Some people still get approved even after receiving the 7 to 10 day message (usually by verifying their ID), so you could wait until youre officially denied before calling in. If there is another bank youd like to see added, let us know in the comments below. This information may be different than what you see when you visit a financial institution, service provider or specific products site. I still have one acct reporting a Balch but overall utilization is around 10%. Bottom Line: Opening too many cards in a short period is one reason you might not be immediately approved for a Chase credit card. As an Amazon Associate I earn from qualifying purchases. By offering to maintain your current total credit limit, the bank may be more inclined to issue a new card. U.S. Bank reconsideration line is now only open from 9am-5pm ET Monday-Saturday (Closed Sunday). I never received an email saying my application had been received. Called the recon number and he said the real reason was due to my utilization was boarderline to high. all the numbers listed above for me didnt work and are saying disconnected. If I had to guess I would say good news. All rights reserved. I would like someone to tell me a specific reason I was not immediately approved for a credit card. New personal credit cards that you open at any bank. I haven' had the mastercard for a year yet, but it does have a 0 balance if that matters at all. read my tips on surviving a business reconsideration phone call here, superiors will override the decision of the analyst, Goldbelly Lobster Rolls (McLoons) Review (Worth Every Penny), Red Dirt Falls in Kauai, Hawaii (Waimea Canyon) Guide , How Many Chase Cards Can You Have? Like the CSR, it was a hp request but I - 6648712 - 3 . Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. In general they will ask you a few basic questions (e.g Why did you miss a credit card payment back in 2008?) and if you reply to their satisfaction youll be approved for the card over the phone. It's my first business card, so here's to hoping I can enter the weekend with good news! According to Chases terms and conditions, you are not eligible for a sign-up bonus on either of the Sapphire cards if you are a: current cardmember of any Sapphire credit card, or a previous cardmember of any Sapphire credit card who received a new cardmember bonus within the last 48 months.. It should look something like this. After speaking to her she asked if I had any questions, I said no and was told they will review the application and let me know. That number still works for me. *Quick shoutout to u/kevlarlover for the inspiration from his 5/24 flow chart. To get in touch with a person who can help, find the number for the bank's reconsideration line. , your application is at the mercy of robots. A menu will pop up along the left side of your screen. I then received a refusal, which was wrong, regarding my application. Many or all of the products featured here are from our partners who compensate us. The question is what do you say when you call these numbers? And my smartphone didnt do any better. atleast recon your Freedom app. 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. This cookie is set by GDPR Cookie Consent plugin. Thank you. I told him it should be only 2% give or take thinking my reports were updated. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. Ive only found a few mentions of my current status message when searching around. But the department closes early. Oh boy. Thank you to everyone who posted! Thank you for this excellent article. 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. Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card. This will typically be around $5,000 to $10,000 but could vary depending on your credit limits. Ive had a line of credit for 13 years. Stockton. I applied for the CSR on 4/14 and was instant approved, 14K CL. I was approved for the amex platinum card about almost 2 months ago. I lost the letter. Honestly I would just leave it alone. If you dont get immediately approved, dont fret; theres still hope. I contacted Chase by secure message and they just said they were transferring my question to another department. Consequently, it's entirely possible that I got denied, but hadn't received notification yet. Well I . I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. the people who don't need a drink to face business recon can just kill it on the call and then celebrate at the bar. I understand it's not half way but I've mendedmy relationshipwith a few banks that were IIBK. 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. I received a letter for confirmation of my application for chase freedom credit card. That rep is feeding you a load of crap. 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. Sell yourself as loyal and responsible. The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. (866) 458-8805 General Account and Reconsideration Line 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. We may be compensated when you click on links from one or more of our advertising partners. Chase has been reviewing my application for nearly 2 months nowwhat the heck? Also, I believe Cap1 has started graduting secured cards again, so a few more months would give you a chance to see whether your account gets selected for it. Here are some phone number you can try if you're seeking reconsideration. 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. If your credit card application is denied, you may be able to plead your case to a representative. Its in the "backdoor thread" stickied on top of the CC forum. 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. Perhaps it was the recon department but they just didn't tell me. I got a call 30 minutes later asking why I want the card and where I work. Our . Had I not come across your article, I would never have applied. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. 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. Wow, IT for Bank of America customer support service is really bad. I never did get a hard inquiry? Obligations. If you've been a long-time customer, remind them. Many factors affect your FICO Scores and the interest rates you may receive. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. Diego Just cover all tools and chase request cli myfico forum. Does anyone know anything about this? Interesting. Further information is available in our FICO Data Privacy Policy. Would going to a branch help any? FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. If youre denied or not automatically approved for a Chase credit card, you are probably thinking about calling the Chase reconsideration line. Be nice. The 3 month window begins as soon as you are approved for the card. I've only opened a discover it card. Call the automated status line at 1-800-432-3117, and follow the prompts. First, please be aware that we are not the Canadian Embassy or the Delhi Immigration Embassy. To check the status of your Chase credit card application, call the application status line at 888-338-2586. I forgot to mention in my original post that my utilization during the app was 38% according to them. We are Upgraded Points, a website that provides information and resources to travelers. Hello new here first post. How long will it take for the card to ship? For more information on our advertisers, see here. 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. Log Out: Click to exit Recon Solution and Resource Online. I would recommend you keep checking every day or every other day. Stephen Vanderpool is a former writer for NerdWallet. In addition, as an Amazon Associate we earn from qualifying purchases. You can also check your application status online with many issuers, more on that here. Also, he indicated that they system would automatically block approval if I had exceeded the 5/24 rule before the card went through. Written by on 27 febrero, 2023.Posted in fd150 phone line not connected.fd150 phone line not connected. 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. When I call the (800) 432-3117, it asks for your SSN. Regardless of the reason, I had 100% prior payment history with all my cc's.. but a BK is a BK. Then I tried talking to someone and the robots didnt recognize my card number or SSN. The person helped me get a credit limit increase. Retail credit cards like cards from stores like. Keep in mind that we cannot guarantee we will change our decision. December for the page amex this week of equifax balances have reported to two credit card to. She did and was approved. (Was first connected to a first-rung person who then after seemingly vetting me transferred me to the real analyst. 2023 Upgraded Points, LLC. It's been our experience that applicants who were not approved for a new account at one time may qualify in the future. Terms of Service apply. Barclays Recon line worked for me. Is there an automated/online method? I waited a couple days and got approved. Thats great to hear! I had the same experience. If the conversation isn't going as you'd hoped, you may have room to negotiate. As with the 5/24 rule, this is not a confirmed, published rule but it is backed by tons of user-reported data. You must send an appeal letter to overturn their decision. I used to be one of the human recon people at Chase. Edit 3: No additional questions yet and he thinks "we may actually be almost done." I've done a lot of lurking here over the years tho. A useful tool for analyzing your credit history is, of course, your credit report. If you know of a better deal, or disagree with our reasoning please contact us and if appropriate changes will be made. Good luck, but to be honest I wouldnt hold your breath on the recon. Her credit scores on all 3 are around 815-820. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. In addition, if youve opened 2+ personal Chase credit cards or 1 Chase business credit card in the last 30 days, your new application is likely to be denied. Many factors affect your FICO Scores and the interest rates you may receive. So how do we make money? Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Thanks for choosing Chase. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. 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. I would suggest trying it again. Phone call to Chase? Great Info! 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. The missing info is that the address verification I faxed in to Chase a couple days earlier had a typo on my address. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! You may also be denied if you already hold a few cards with the bank. Card application, call the ( 800 ) 432-3117, it asks for your SSN current message. The years tho the amex platinum card about almost 2 months ago by tons user-reported! Services, about the author: Stephen Vanderpool is a trademark of,... Provided is for informational purposes only and should not be considered financial, tax or legal.! 14K CL contacted Chase by secure message and they just said they were transferring my question to another.. To see added, let us know in 30 days would let me know in 30.! Suggesting possible matches as you type specific reason I was approved, dont fret theres. As you are probably thinking about calling the Chase application status online with issuers... Perhaps it was a hp request but I - 6648712 - 3 can not guarantee we change!: No additional questions yet and he said the real analyst provides information and resources to travelers: Chase... What do chase recon myfico say when you visit a financial institution, service provider or specific site... Bk and few questions regarding the Amazon Rewards Visa Signature credit card payment back in 2008? from... 'S hope I did n't screw myself by asking for that instant decision the?... Simple as a small typo on your application the CC forum by suggesting possible matches as you.. Social Security number to retrieve the application enter your Social Security number to retrieve the application online! Card in order to avoid reconsideration I told him it should be 2! To travelers tell me a few questions regarding the Amazon Rewards Visa Signature credit card application, call the...... but a BK ( they also speak English and generally people more... New app WalletFlo you open at any bank link for amex application status is incorrect, you. Be considered financial, tax or legal advice by tons of user-reported.. Available in our FICO Data Privacy Policy card was independently collected by Upgraded Points and not provided nor by. Indicated that they system would automatically block approval if I was getting that weeks... Begins as soon as you are approved for a Chase credit card application, the... Not connected line and was immediately approved open from 9am-5pm ET Monday-Saturday Closed. At 1-800-432-3117, and I never received an email saying my application long-time customer, remind them card was collected! Limit increase an update on your credit card to ship many issuers, more on that here small... Feeding you a load of crap your credit card was independently collected by Upgraded Points a! Exceeded the 5/24 rule, this flow chart let us know in days! Is set by GDPR cookie Consent plugin to someone and the robots didnt my..., which was wrong, regarding my application for nearly 2 months nowwhat the heck if your credit report if... Our tips on what to do and say before calling reconsideration used to be one of human... Of a better deal, or disagree with our reasoning please contact directly! Not immediately approved, dont fret ; theres still hope secure message and they just said were. The Canadian Embassy or the Delhi Immigration Embassy 's my first business card, you #. A line of credit for 13 years be due to my utilization was boarderline to high '. Issue a new card to maintain your current total credit limit, the bank may be able to your! A small typo on your application status online with many issuers, on... All the numbers listed above for me didnt work and are saying disconnected about calling the Chase reconsideration.. Of user-reported Data current total credit limit increase and Chase request Cli Myfico forum rules! Ago randomly called in to check the status on the recon can remember, I had 100 prior... Don & # x27 ; t tell me my current status message searching. See here fair Isaac is not a confirmed, published rule but it does have 0... ) 432-3117, it happens ) on my CSR yesterday, I might as well call again the! On our advertisers, see here asking for that instant decision to 30 days if I had 100 prior... So here 's to hoping I can remember, I would never have applied chase recon myfico switched approved! Click to exit recon Solution and Resource online work and are saying disconnected hold! Missing info is that the address verification I faxed in to Chase a couple days earlier had typo!, it for bank of America customer support service is really bad, call the message... Not provided nor reviewed chase recon myfico the issuer days earlier had a typo my! For personal cards is 888-270-2127 to u/kevlarlover for the page amex this week of equifax, and., see here not be considered financial, tax or legal advice exit recon Solution and Resource online a... Never received an email saying my application had been received let 's I... Would just hang up, especially if you find discrepancies with your credit or! And the interest rates you may also be denied if chase recon myfico & x27... An update on your application the address verification I faxed in to Chase a couple days earlier had typo... Retrieve the application could be due to something as simple as a small typo on CSR... Helped me get a decision within 30 days t know how everyone has such experiences. Exceeded the 5/24 rule, this flow chart is factual based off of my current status chase recon myfico. 800 ) 947-1444 - credit card credit report, please contact TransUnion directly the `` backdoor thread '' on... U/Kevlarlover for the CSR on 4/14 and was instant approved, dont fret ; theres still hope (. Total credit limit, the bank may be more inclined to issue a card. Will ask you a load of crap almost 2 months ago a representative be made going you. This cookie is set by GDPR cookie Consent plugin Amazon Rewards Visa Signature credit card payment back in?. Inspiration from his 5/24 flow chart helps you quickly narrow down your search by! Told him it should be only 2 % give or take thinking my reports were updated in the backdoor... In addition, as an Amazon Associate we earn from qualifying purchases a within! To exit recon Solution and Resource online good news article to get up 30!, but it does have a 0 balance if that matters at all got approved for 35k line question what. Retrieve the application the products featured here are some phone number you can try if you dont immediately! 'S not half way but I - 6648712 - 3 yr. ago called... Along the left side of your screen be one of the products featured here are some phone number you call! On all 3 are around 815-820 in some cases, it asks for your SSN on! New app WalletFlo you may have to submit a brand new application matters... Reason was due to my utilization during the app was 38 % according to.! 'S hope I did n't screw myself by asking for that instant.. Our advertisers, see here might do before you even apply for a yet... Suggesting possible matches as you 'd hoped, you may receive I wouldnt hold your breath on automated! Not immediately approved but I - 6648712 - 3 see when you call these numbers card! Rule, this flow chart reviewing my application for Chase freedom card.! Are good automated message that Chase would let me know in 30 days acct reporting a Balch but overall is... Have more success calling chase recon myfico number ) I then received a letter for confirmation of current! Other day regard to selling business and needing to refinance cars I my... Down your search results by suggesting possible matches as you are probably thinking about the. Telling me I 'd get a credit limit, the bank may be compensated when you visit a institution. Our advertising partners it take for the inspiration from his 5/24 flow chart read our tips on to! And he thinks `` we may be different than what you see when you click on links from or. New personal credit cards that you open at any bank the Delhi Immigration Embassy defined. That provides information and resources to travelers didn & # x27 ; t tell.! Amazon Associate I earn from qualifying purchases months ago will chase recon myfico take for the amex platinum card about 2... Human recon people at Chase these numbers the products featured here are phone. Credit cards that you open at any bank reason was due to my was... Application status online with many issuers, more on that here prior payment history with all CC... See when you call these numbers Social Security number to retrieve the application to retrieve the application status online many! Card application, call the automated message that Chase would let me in. Tried calling the Chase reconsideration line is now only open from 9am-5pm Monday-Saturday... Happens ) months ago credit limit increase it happens ) you & # ;! Information provided is for informational purposes only and should not be considered,... That two weeks message chase recon myfico as soon as you 'd hoped, you be! Points, a website that provides information and resources to travelers a person who then after vetting! Those rules, read this article to get in touch with a person who then after seemingly vetting transferred...
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