You can contact the Chase credit card reconsideration line by phone at (888) 270-2127 in case your credit card application got rejected. Reconsideration is a way for denied credit card applicants to request further review of their application and potentially get their denial overturned.
Chase Reconsideration Request Tips:
Make sure you review the reasons for your denial before calling for a reconsideration request. For instance, if your credit score or income went up since you applied, you can make a case for having improved your creditworthiness.
Check your credit report for errors and become familiar with its strengths and weaknesses. If you had missed payments in the past, but since paid on time for several consecutive months, you can bring that to the issuer's attention.
Explain your situation, or any information from your credit report or application that could raise questions. Feel free to also consult WalletHub's guide on how to ask for reconsideration.
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.
just wanted to give people some hope that if you initially get a 30 day response from chase and a couple of days later it changes to 7-10 days it doesn't necessarily mean a denial. For example in my case I applied on 12/18 for a chase freedom card got a 30 message from chase today I received a 7-10 day message I called the recon line got a identity verification line got asked one question about where I lived and that was all approved for $9500 credit line.
No, there aren’t any Chase secured credit cards available right now. In fact, there’s never been a secured credit card from Chase. Chase offers unsecured credit cards for people with at least good credit.
The Capital One Quicksilver Secured card offers 5% cash back on hotels and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. The card has a $0 annual fee and requires a $200 deposit.
So, even though you’re not able to get a Chase secured credit card, you still have plenty of options. And they’ll all help you start building your credit, plus save some money. Once you get your credit score to “good”, you can start thinking about applying for a Chase credit card.
If your Chase credit card application status is under review, that means your application has not yet been approved or denied. Don’t read too much into it, though. You’ll hear back within 7-10 business days of applying in most cases, when you don’t receive a decision instantly. Rarely, however, it can take Chase up to 30 days to make a ruling.… read full answer
Keep in mind that you can check the status of your Chase credit card application, either by calling Chase credit card customer service at (800) 432-3117 or online. While you wait for a decision, there are a few things to keep in mind to prepare for the different possible outcomes.
If your Chase credit card application status is under review:
Chase looks at your credit history, income, debt, housing status and number of recently-opened cards, among other things, when deciding whether to approve your application.
Chase credit card applications are usually under review for 7-10 business days.
Some applicants may receive an instant decision, while others may have to wait up to 30 business days in rare cases.
You can check the status of your application as often as you want.
To check your Chase credit card application status by phone, call (800) 432-3117, follow the prompts and enter your Social Security number.
To check your application status online, log into your account, click the main menu symbol at the top left of the page (three horizontal lines), and select “Application status.”
If your application is denied, you can call Chase’s reconsideration number at (888) 270-2127. Reconsideration is a long shot, but it’s worth trying if your circumstances have changed or you need to explain something on your application.
It is worth noting that all Chase credit card applications have the status “under review,” at some point, whether for a matter of seconds or days. The possible outcomes are three:
You could get an email saying you’re approved and receive your new card in the mail after another 7-10 business days. You can, though, call Chase customer service to ask for free 72-hour expedited delivery.
You could be denied by email and get a letter explaining why in 7-10 business days.
You could be asked to provide extra documentation or clarify a mistake in your application.
Ultimately, if you’re denied, don’t get discouraged. WalletHub’s free credit analysis will tell you exactly how to improve your credit score. You’ll also receive recommendations for credit cards with high approval odds.
You can check your Chase credit card application status online or by phone: (888) 338-2586. If you check online, you will need to sign into your Chase.com account (or create one if you didn’t apply online). If you call, you’ll have to enter your full Social Security number. When you submit a Chase credit card application, it’s possible you’ll be approved or denied instantly. Otherwise, it could take up to 30 days to get a decision. If you don’t manually check your status, you may receive your decision by email or mail.… read full answer
Those procedures are the same no matter which Chase credit card you apply for, whether it’s a travel rewards card such as the Chase Sapphire Preferred® Card, a cash back card such as Chase Freedom Unlimited® or a 0% balance transfer card such as the Chase Slate Edge℠ card. And checking your status with any Chase card is as simple as signing in and making a few clicks.
How to check your Chase credit card application status online:
Log in to your Chase Online account with your username and password.
Find “Customer Center” in the top left corner and click on it.
Click on “Check my application status.”
View your application(s). You’ll be able to see whether they’re pending, approved, or denied.
If you don’t have an account yet, just click the “New To Chase Online?” button below the login area. You’ll be able to make an account by entering your application number and SSN.
To check your Chase credit card application status by phone, call (888) 338-2586 and enter your full Social Security number when prompted. Chase’s automated application status line is accessible 24/7.
How to contact the Chase credit card reconsideration line
You might not like what you learn when you check your credit card application status. But it’s important to remember that if you’re denied, there’s still hope. You can ask Chase to reconsider your application by calling (888) 270-2127. One of Chase’s credit analysts will talk to you and take another look over your application materials. There’s no guarantee that anything will change, but it’s possible. To start off, you’ll just need to give your application ID or SSN to the analyst. Best of luck!
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