How does the Chase credit card reconsideration line work?

The Chase credit card reconsideration line works by calling 1-888-270-2127 in case your credit card application got rejected.

You might have a shot if you explain your situation, or any information from your credit report that could raise questions.

But there are a few cases when asking for a reconsideration won't work, like:

• If you've applied for 5 or more cards in the last 24 months
• If you've applied for at least 2 credit cards in the last 30 days
• If you already have the same card type

If you get denied anyway, maybe you should consider improving your credit score, applying for a secured card, or becoming an authorized user on someone else's account.

I just went through it and long story short, I wouldn't recommend anyone calling the reconsideration line. It was absolutely BRUTAL. I was denied of all things for having too many active accounts and too much available credit. After years of working hard, unfortunately a few bad marks were still on record because it has not been 7 years yet (close but not yet). Well, they rehashed all of that, asking why something was 30 days late 6 years ago, why this and that. Was hardly prepared for those questions but did the best I could. After pleading my case and being put through the ringer, I felt like I walked out of a job interview feeling like a loser. She said sorry. Still declined.. Fact of matter is Chase will nit pick you to death on everything. Unless you're perfect with an unblemished record, don't bother. They don't want your business and a customer (i do bank with them) shouldn't be treated this way. Apparently excellent credit and nearly 6 years of perfect payments and carrying low balances doesn't do the trick.