Chip Lupo, Credit Card Writer
@CLoop
Your Chase credit card application may have been denied for various reasons, such as a low credit score, not enough disposable income, or too much debt. You should receive a letter from Chase explaining the exact reason for the denial.
If you feel your application deserves a second look, you can call Chase's reconsideration line at 1-888-609-7805 to explain why you think they should reconsider approving your application.
Possible Reasons Your Chase Credit Card Application Was Denied
- Credit score is too low
- Not enough credit history
- Income is too low or unstable
- High debt relative to your income
- Too many recent credit inquiries
- Late payments on your credit report
- Using too much available credit
- Errors on your credit report
- Unresolved bankruptcy on your credit report
- Errors on your application
- Forgotten credit freeze, credit lock, or fraud alert on your credit reports
If your credit score is less than good, then your best bet is to apply for a secured credit card from another card issuer. Secured cards approve people with low credit scores because they require a refundable security deposit to open the account. The deposit amount is your credit line in most cases, so there’s far less risk to the card issuer.
If you want to weigh your options, you can check our editors’ latest picks for the best secured credit cards on the market right now.
Popular Chase Credit Cards
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Low Interest:
People also ask
Why is it so hard to get a Chase credit card?
It might be hard to get a Chase credit card because all cards offered by Chase are targeted to people with good credit or better, which may be out of reach for the average consumer.
Recommended Credit for Popular Chase Credit Cards
- Chase Sapphire Preferred® Card: Good credit
- Chase Freedom Unlimited®: Good credit
- Chase Sapphire Reserve®: Excellent credit
- Chase Freedom Flex® Credit Card: Good credit
Although it might be hard to get a Chase credit card, there are...
read full answer by Chip Lupo, Credit Card WriterHow do I contact the Chase credit card reconsideration line?
To contact the Chase reconsideration line, call 1 (888) 270-2127. Calling the Chase reconsideration line is a way for credit card applicants to request a second review of their application and potentially get their denial overturned.
If you call to request reconsideration from Chase, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your...
read full answer by Chip Lupo, Credit Card WriterWhat should I do if my credit card application is declined?
If your credit card application is declined and you think it did not accurately represent your current financial situation, the first thing you should do is ask for your application to be reconsidered. You should ideally wait at least 6 months before applying for another card, but if you can’t wait, you should apply for a card that’s easier to qualify for.
What to Do If Your Credit Card Application Is Declined
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