Chase Application Status Check + Tips on Reconsideration Phone Line / Number

JPMorgan Chase Logo - Chase Application Status Check

Chase Application Status Check & Reconsideration Phone Line / Number – Credit Cards

After you apply for a Chase credit card, you may not get instantly approved. You can easily check the status of your application. If you were denied, there is the Chase reconsideration department that you can call to get the denial reversed over the phone!


How to Check Your Chase Credit Card Application Status

While you can check your Chase Loan Application Status online, surprisingly, it is not possible to check your Chase credit card application status. You will have to dial 888-338-2586 and enter your social security number to check your status through the automated system.  I am quite surprised that a big player credit card player like Chase does not offer an online application status check but competitors Bank of America and Amex do.


Chase Reconsideration Phone Line / Number for Denied or Pending Applications

If your Chase application status is denied or pending, you can call:

  • 888-270-2127 (Personal Cards) – Updated Phone Number
  • 800-453-9719 (Business Cards)

New Chase Reconsideration Phone Number: Chase changed the phone number for personal cards. The old number 888-245-0625 has been disconnected and replaced with 888-270-2127.

These are live credit analysts who have the power to approve your pending application or reverse your denial over the phone. Be nice to them!


What to Say to the Chase Credit Analysts

Remember – the credit analysts have approval power, so you want to be soft-toned and as helpful as possible. Some people are afraid to call and ask. If you are one of those people, here is an example of how my calls usually go: (you don’t need to sugar coat too much but it does help to be polite!)

  • Chase Credit Analyst: Thanks for calling Chase lending services.  My name is Mary.  How may I help you?
  • Me: Hello Mary, how’s your day going so far?
  • Chase Credit Analyst: It’s going fine; thanks for asking (or some similar variation… if the small talk continues, just go with the flow).  How may I help you?
  • Me: I recently applied for a credit card online and I am surprised I didn’t get instant approval.  I wanted to see if I could help answer any questions in efforts to facilitate the process.
  • Chase Credit Analyst: I would be happy to have a look.  Do you have an application ID?
  • Me: (Provide if you have one.  If not: say this) I do not have one – are you able to look it up by social security number?
  • Chase Credit Analyst: Yes – may I have your social security number?
  • Me: (Provide your social)
  • Chase Credit Analyst: Please hold 2-5 minutes while I look up your application.
  • Me: No problem – take your time.  I am in no rush.

The analyst gets back and informs me that I have been approved.  Occasionally, I am asked to confirm my phone number or home address – and approved after another brief hold.  If you have an existing credit card with Chase already, there is a good chance they will simply ask you to confirm one or both of the following:

  1. Last payment amount
  2. Last charge amount and merchant name

Often times, Chase wants to keep an application pending for security / fraud measures and not because there is something fishy on your credit report.  This is YMMV but I suspect most you will go through similar experiences above. Then comes the approval email:

Chase Approval - Chase Application Status Check

Chase Credit Analysts for Business Credit Cards

Chase Business credit cards and charge cards are trickier than personal cards.  Years ago, the credit analysts used to be much more lenient and the conversation example above would still hold true. During the past 2 years, however, I have found that calling up has done more harm than good.

For one pending business application, I was being badgered by the credit analyst for what seems to have been an eternity (although more like 25 minutes) with questions coming from left and right field:

  • What are your projected revenues for the next 6 months?  1 year?  3 years?
  • Your credit report shows you have opened X new accounts within the past 12 months – let’s go through each account and let me know why you opened them.
  • Your credit report shows you have closed X accounts within the past 12 months – let’s go through each closure and let me know why you closed them.

Another occasion I was simply asked to fax in a copy of my driver’s license.  A different time, I was asked to fax in my business formation documents and tax return for my business.  The funny thing is that Chase already knows my business because of cards that already had in my wallet. Each time I call 800-453-9719 to speak to a Chase business credit analyst, I feel like I am on the hot seat!

Tax Returns: Really? Yes. While I am not a tax expert (and therefore you should not take any tax advice from me), I can tell you that neither a sole proprietorship nor an LLC owned by 1 person files a separate tax return for the business. The business income simply shows up on your personal tax return, specifically in Schedule C (1040). The credit analyst did not know that so instead asked me to send the part of the tax return which shows the name and address of the business. I sent over Schedule C. If you told them you make $10 million per year and your Schedule C shows $1 thousand, Lucy you got some ‘splaining’ to do!  I was approved less than 2 weeks later.

Note: The Fax # for Verification Documents is: 888-643-9628


My Recommendation for Pending Chase Business Card Applications

My recommendation specifically for Chase business credit cards and charge cards is to NOT call the reconsideration line (800-453-9719).  During one of my recent mini-app-o-ramas I didn’t want to deal with all the potential questions.  I just waited, and waited, and waited.  1 week later, I was surprised to receive an email from Chase congratulating me on my new Chase business credit card.

My colleague took the same route and chose not to call in.  1 week later, she received a call from Chase who asked her a few simple questions and approved her over the phone.

One final business card application experience I wanted to share: ~1 week after my app went into pending, Chase called and left a voicemail (I was in a meeting and couldn’t pick up).  Several hours later, I received an email, similar to the one above, noting I was approved!  Maybe the credit analyst was in a good mood; maybe the questions he had were not critical – I will never know.


The “5/24” Rule for Chase Personal Cards

The following is an excerpt taken from FlyerTalk:

“Starting in May 2015, Chase began denying applications for its own UltimateRewards-earning personal cards (e.g., Sapphire Preferred, Freedom) if the applicant’s credit report shows that she or he opened 5 or more credit cards in the prior 24 months (“the 5/24 rule”).  There have been reports of people with more than 5 cards opened in the last 24 months being approved if they have already been pre-approved for the card in question. To find out if you are pre-approved, you can call or go into a branch to ask.”

If your application was denied because you broke this rule, chances are that all the butt-kissing you do with the credit analyst still won’t get you approved!  Pro Tip: Walk into your local Chase branch and ask if there are any pre-approved offers associated with your social security number.  If yes, you just by-passed the 5/24 rule!

If your application was denied because you broke this rule, don’t let that hard credit pull go to waste!  Chase will consolidate multiple applications into 1 hard pull as long as the apps were done on the same day AND the apps are not crisscrossing between personal and business cards.


Chase Sapphire Reserve 100K Offer

If you applied online for the Chase Sapphire Reserve 100k offer and find out from the credit analyst that you have been rejected because of the 5/24 rule, don’t give up!  Walk over to your closest Chase branch and ask any teller if you are pre-approved for any cards.  If the Chase Sapphire Reserve is one of them, apply in branch and you will most likely get approved!  If you apply on the same day, Chase will consolidate both applications into only 1 hard pull.

Final Thoughts

There you have it folks.  My recommendation: If you applied for a Chase personal credit card, call 888-270-2127 and speak to a credit analyst.  If you applied for a Chase business credit card or charge card, just sit tight and don’t call in.  Clearly this is YMMV.


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  1. […] document from a financial institution. However, in some (I believe rare cases), you might have to submit tax forms and/or business filing documents relating to your business. Hopefully that won’t happen to you but if you’ve done […]


  1. @therewardboss
    very interesting.
    i applied for the united biz card 3 weeks ago. still no card or denial letter.
    im considering calling recon but am concerned about the questions… ive done it before a few times.

    • Just followed up with Chase on a UAL Mil Plus Business app. (wasn’t approved immediately-waited a few days to call). I was very polite and had a nice agent. She checked a couple things, asked me a few simple verifications, and then said I was approved for a pretty sizable line of credit even tho I am under 30! I asked her why the delay (I have a good record with Chase personal cards) and she said “patriot act” requirements, and just security verifications. She also said that if I had applied under a tax ID number I would have been required to submit a million other doc for verification…so basically, always apply as a sole proprietor! Simpler she said, and they can’t ask for verification on a lot of things. Good advice!

  2. Thank you! I received the “pending approval” message on a personal card. I called and did exactly as scripted, and got approved for a 5K CL.

    Thanks again!

  3. I can’t believe it fcking worked. I did as scripted verbatim at first. Then went rogue and chatted up a storm w the agent. Cs 650 as she turned a blind eye and as Susie Orman would say… Girlfriend you are APPROVED!!!

  4. I should have read the whole article before calling the business reconsideration line. Agent badgered me with a whole lot of questions that i never had been asked in previous years. This is the 4th time i am getting the ink card in as many years. Never had to answer so many questions. Finally got approved after having to move credit line from existing card to the new card.

  5. Thank you! My app went into pending status when I applied and I was completely floored. But, I took the advise posted here, called the number after what seemed like forever…I was agonizing (trying to rebuild my credit for years now) the lady got back from hold and said she approved my application. Truly, without this knowledge here, I would have not followed through with a phone call.

    Thank you very much!

  6. I applied for Chase I n k biz card today and the email I received says they will let me know. However, after I click submit button, it said to call customer support specialist 6010 number asap to discuss the application. Do I NEED to call them or just wait? I am not ready for all the questions they might ask. Anyone have experience like this?

    • Do not call unless you are feeling lucky or have a legitimate small business. If you can, expect the worse (getting badgered)

  7. Thanks for posting the phone numbers. I would have waited helplessly for a month for a letter in the mail probably ending in denial. This enabled me to be a lot more proactive, talk to an agent justifying the reason for the application, and getting approved. The conversation was completed in 5 minutes and the new card is on the way.

  8. Called the number and used the script verbatim and was approved for a $4K limit with a $0 fee $0 balance transfer for 15 months. My application was under scrutiny because of a fraud alert I put on my credit report 2 months ago. Thanks Reward Boss!

  9. Thank you for this page. I applied for a card on very good credit but got ‘pending’. I called and was asked to submit proof of address. I did, and I’m waiting to hear back. Hopefully it goes well, I see no reason why it shouldn’t. But thanks for this info, it gave me the needed numbers and what to expect!

    • Hello, Frank Gaffener.
      Me too asked me my physical address. You, as thou hast sent? how? please, how was your process?
      Thank you.

  10. I applied yesterday for a Chase Southwest credit card and got the “more review needed” msg. I called the recon line and used ur script. Bada-Bing 3k approval with a 679 TU credit score. Thanks for this, I wouldn’t have known about the recon line.

  11. Thanks for the tips! I got the pending review notice, waited about 30 minutes and called. It was probably a 15 minute conversation total, with a couple of different rounds of questions. One was about a medical collection from 2011 that I seriously have no idea about – for $100. I was approved for $3000 and will be receiving the welcome packet and card in the mail separately. Cheers!

  12. I applied chase ink plus yesterday in branch. I didn’t instant approve. But I just start a real small business about 3 weeks. Should I call?

  13. Applied for Business Ink on 1/22 and received 30 day pending notice. Called Business recon today (1/28) and had pleasant conversation with CSR. Normal recon info about nature of business that I own and projected income, etc. Put on hold for 3-5 minutes and response was that she is “recommending for approval” but needs to forward application to a senior representative for final decision and answer should be determined in another 7-10 days. Well, that’s a new one. We’ll see what happens. I have two other Chase personal cards (CSP at $12.5K limit and United personal @ $20K limit). Do have more than 5 recent cards obtained this year however, so perhaps that’s the hold up?

    • I had a similar experience with the CW Premier. Applied 2/8 and called recon that day. He said he was recommending me for approval but it needed to go through a secondary step because I already have 5 cards with Chase. He told me it should only be a day or two. Still waiting and it’s been almost three weeks.

      • I had the same situation. I called them and they said it needs to go to a senior analyst for review. I asked why and they said because I have too much credit with all my cards. I told them I was planning on cancelling one of my cards. Then the representative said she will take $x credit from another Chase card and approved me over the phone instead of going through another step.

  14. I just called the 888-338-2586 # and they told me instantly that my WDW Chase credit card application was approved Thanks so much for that information. I don’t understand why companies try to make everything hard for there customers. But thanks too you I feel like I have beaten Goliath!!! Here is my search question that brought me to your web page: Why did chase bank tell me i have to wait up to 30 days to see if im approved or not for a credit card?

    Thanks again,

    aka Billy

  15. I have tried calling the Chase number twice, and both times I get a recording saying that the office is closed and to call back during business hours – but I AM calling during the hours that it says they are open right in the message. I tried the number Any suggestions of what to do now? I also tried the number that the commenter above used, but it was just an automated system that said my application is still under review. Help! Thanks

    • They say that their business hours are from like 7am-10pm est. but i seen on the lending tree website its actually like :
      Monday – Thursday: 8am – 9pm Eastern
      Friday: 8am – 8pm Eastern
      Saturday: 10am – 7pm Eastern

      • I have called at 4:30 PM EST, 5:30 PM EST, and 9:00 PM EST…so I have no idea what’s going on. Every time I call it says they are closed. ???

    • I am having the same issue! I have tried calling 4 times over the past 90 minutes and it’s 7:19 EST right now on a Thursday! What gives?

  16. I applied for the chase business card a month ago which went into pending. A few days later, I received a letter to verify my identity. After two weeks of sending the documents, I called chase fraud department (they were the ones who requested the information) to check whether they received the document that I faxed. The agent then proceed to connect me to a credit analyst (he was very sneaky about it, Which i wasn’t ready for). I wasn’t planning to call recon (since it’s a big NONO). Long story short, I got denied for the card. I was wondering if I were to go to the branch with my documents, will they be able to overturn the denial decision? I have a small business (make less than $2k a year – sole proprietorship) that I report on my income tax for the past three years. When I had submitted the app I didn’t have any business CCs before. I recently applied for one via BoA and got approve but not for chase, what gives!!!

  17. Wow! Just got off the phone with Chase after 1.5 hours. I applied for the SW Plus Chase card over the phone and the SW Premier Chase card on the internet 2 weeks ago. I kept calling the application status line and they kept telling me it would take 30 days. I finally called the backdoor number and spoke to someone at Chase Lending Services. Very nice but asked a lot of questions, and was curious why I applied for both cards the same day. Understandable. I pointed out the benefits of both cards and said I wanted one for my wife and one for me, the Premier card bc of no foreign transactions and the Plus becuase of the lower annual fee, yada yada yada. He asked me to call me on my cellphone to verify ID. He kept putting me on hold for 2-3 minutes at a time. Finally he sent me over to his Chase Verifications dept for the same deal. Verifications insisted on sending me a text to my phone for ID purposes which I had to retrieve and give them the code. This was the first time I have ever put someone on hold and retrieved a text message while on the phone with someone bc I just got a smart phone! Finally after 1.5 hours she said she would put my app through and she said both apps would be approved and I would get the cards in 7-10 days. Thanks Chase and Reward Boss!

  18. Hi I was wondering if you can help. I applied for my first chase credit card at a chase branch, i have $5000 in mortgage and $85000 in income, but after talking to credit analyst i was put on hold. And then they said wait 10 days to hear something in the mail, does that mean i was denied? The banker told me since i keep a sizable amount of funds with chase bank they can do a special consideration and get me approved for the chase preferred saphhire card, anyone heard of this

  19. Outstanding info! Had applied for Amazon Visa rewards card around Black Friday to get Amazon gift card and got the further review screen and then received letter of denial at this time for no stated reasons. Applied again yesterday and got the same under review screen but this time called the number posted in your article and 30 minutes and three depatments later, the last being a verification dept based in the Phillipines, I was approved with a healthy opening credit limit, got my $50 Amazon gift card posted to my Amazon account, and all I had to do was be personable, polite, and patient. Be aware they go way back to verify info I had to remember the make and model of a car I purchased for cash 25 years ago so make sure you are ready to verify some obscure facts from your public records history! Thans for the great info, I plan on using this technique in the future!

  20. So I applied for the SW last night and got the 7-10 day review notice with a follow up 30 day email. Being that it’s not an instant denial, I have hope. My scores are 630ish however, and I have been doing the rebuilding thing for a little over a year. Started out with C1 platinum 300 limit which is up to 3K limit and 3 months later opened C1 QS MC with 500 limit which is 2300 now. All on time payments, 30 percent util at the moment due to an unexpected expense. I have a medical collection from 2012 for an emergency surgery. That didn’t stop me from getting the C1s, a motorcycle loan at 8 percent last Sep, and an auto loan at 8 percent last month. That said, I feel like there is no reason I should get denied for the SW from Chase just from all of the reviews, posts, and forums I’ve researched. So here’s the deal: I have tried 4 times in the last 2 hours to call the Recon line to expedite my app. All 4 times I have gotten a recording saying “thanks for calling, but we’re closed. We want to help, so please call back tomorrow.” It’s 7:28 EST right this second. I’ve been trying since 5. They’re supposed to be open until 10… Does anyone know what’s going on? Are they all on hiatus? Or is there some magical program that captures my number and stores it in a computer bank that will allow me to actually speak with somebody tomorrow? You know, to show that I’m really serious about calling this number? lol Or did they pack up and move to a new number?

    • The department you are calling is only open from 8am until 5 PM Eastern. Try during those hours and you will get through.

  21. Thanks for this information. The numbers work and I finally got someone who explained my application was denied because they could not get a hold of me to verify something. Quicker than waiting for a letter.

  22. Thank you, Thank you, Thank you for the phone number and script!! I applied for the CSP around 3 am last night but got the pending approval page. I was shocked because that never happened to me before. Anyway I found this site and kept it open until this morning. Called in and was on hold for 10 min. Once someone answered they verified my identity by asking for my home address and phone number etc. Then he transferred me over to a credit analyst. The Credit Analyst asked me the same questions again and texted me a code I had to read back to her. Then I was on hold for 2 more min. She came back and said I was approved for a 21K limit!! Sweet!! Thanks for all the help.

  23. What I understand is that it depends what hour and day of week you apply for. If the lending department is closed, it might not approve immediately ( different reason like you had applied too many or very recent past).

    I will suggest as other posts to give a call day time and ask for delay very politely. In the process, they establish the physical verification and your approved on the phone immediately.

  24. So I have 4 cards with chase already but have had 2 of them since 2013, (, Freedom, Marriott, CSP) and decided to go for the United card since they were offering an insider bonus. So I applied, got a page asking if I’d be willing to move credit lines over from other cards (I assume because my income is not extremely high) so I checked off yes, still got a pending approval page. Called this morning to the specialist, did the exact recording then he asks me a bunch of questions about transactions made last year (I brought an engagement ring out of family savings) we even go over the credit lines that need to be moved. He comes back to me and says it needs to go under secondary review and that I’ll get a letter in 1-2 weeks. Last time I heard this, it was 5-6 years ago and it meant denial… Unless I’m overthinking it, thoughts?

    • I also want to add in that I have a credit score closer to the 750-800 range since I never carry a balance, so it’s definitely not a credit issue.

  25. I called the business line and got rejected… They said I have too many inquiries in the past half year and had too many accounts opened in the last year. Is there another chance maybe I can talk about reconsidering? Thanks.

  26. I applied for the sapphire and business card at the same time. I got approved for the sapphire and they declined the business. 1st they said I had too many inquiries and I disputed that and they came back and said the business is too new. Is there a way around that?

    • It’s all YMMV based on the analyst you get. Do you have an existing chase biz card that you can shift credit over to the new card app? That may be your best bet.

  27. Applied for both CSP and Freedom on the same day. Received 7-10 messages for both. Exactly 1 week later, received denial letters in the mail. Called Recon line and gave the reference number for CSP. At first, they said “too many accounts opened”. I pointed out that only 3 during the past 24 months. CSR asked a couple of questions to check my current income and such; and said they would reconsider my account. Asked about the Freedom but she said “because both were denied for too many accounts, they can only approve one.” 3 days after recon call, received email approval for CSP and credit card is in Chase online. Should I try to call recon again for the Freedom or just let it go now?

  28. I just applied and now they told me they need proof of residency and i went to Chase and they faxed everything. now its pending and about one month ago i was approved for American Express everyday card. hopefully i can get the sapphire preferred! i’l keep you guys posted!

    • I just got approved over the phone! Trust me call this number they have the power! 888-609-7805 they get the job done! A woman from chase branch gave me that number and she said that’s the fastest route. My credit last month was 697 after I applied for the AmericanEx but my credit score went up because of my credit line.

      • Thanks Harry this number worked for me, they just needed to ask me some verification questions and I was approved!

  29. Thanks so much. I had applied for a Chase Sapphire Preferred for the second time to get the sign up bonus, because it’s over 2 years i got the same, as this was the second time i was very skeptical. But as per your suggestion i called them they asked common questions like you said just to verify my DOB, home address and put me on a brief hold and then came back and said the magical words ‘Your application is approved, and you will get your card in mail within 7-10 days” However when i asked for some email, he said i am confirming you here that you are approved.

    Again thanks for suggestions.

    • Good to hear you were also approved! Now we both need to wait a few days until our card arrives. Now there is a guy on YouTube, his username is called beatTheBush and he will explain how to get credit cards and increase your credit score!

  30. Violated the 5/24 rule and was slapped with a bold “DECLINED”. However, The representative told me to reapply when everything settles down a bit.

    Thanks for the advise. These are really helpful numbers. Better to get a straight answer than useless anticipation.

  31. I just got off the phone with the chase reconsideration line for CSP. My application was initially denied but after speaking with the agent and answering a few questions my application was approved for $5000. Had I not called, I would’ve gotten a denial letter. My advice: call the reconsideration line.

  32. Hello,

    I have a CS of 651. So I applied online for the Freedom card w/Unlimited Cash Rewards two days ago. I read previously on Credit Karma that I might as well go for the gusto since it was a fair chance I might be approved. I got the message that my application needed further review and I’d get a letter with their decision in 30 days. I read on CK that it usually meant a denial. So I decided to try the recon line. I was nervous to the point where my voice was cracking–I don’t know why. Anyway, I got a nice, helpful credit analyst named, Liz, who did confirm that my application had been denied for past credit issues. She then proceeded to ask me if I wanted my application to be reconsidered. I of course said, “yes” and she asked me a few questions about my annual income, personal identity, some derogatory accounts from years ago, a charge off, student loans, and a collection account I am currently paying off. By the way I still managed to brave through the script you suggested. So, Liz, put me on hold for about 15-20mins then came back on and told me she’d have to forward my case to a fund review analyst due to derogatory accounts. She said they would send me a letter with their decision in a couple of weeks. I figured they had denied me and didn’t feel like giving me the bad news over the phone. Well, today–two days later–I received an email stating I had been approved for the card, and I’d get it within 7-10 days. I didn’t see a credit limit, but it did show the last four digits of my new account. I was floored, shocked, speechless, and extremely grateful. Not only to Chase for offering a recon department, but to this site for providing easy-to-follow suggestions on how to help oneself. Thank you for infinity. I will be spreading the news about this informative site.



    • Glad I could help. This new account will help towards rebuilding your credit – good luck and charge responsibly!

    • Hi!

      My call with a recon rep today was exactly like yours! He asked me to identify myself, ask about my annual income, certain red flags on my credit report – one account in collection that will be paid off by the end of june 2016 and a high credit utilization ratio which was actually lowered to 20% but not was not reflected in the experian credit report they pulled but shown on equifax. at the end of the long conversation, he told me that my application was sent for reconsideration and i should hear a decision within 7-10 days. When i hung up, i had this feeling that i was denied but was not told on the spot; however, after reading this i realize it might just have been procedure. i really hope i get reconsidered!

  33. So i opened a chase freedom card back in february…last week in the mail, i received an ad for freedom unlimited – decided to apply due to better rewards program. Received the dreaded ‘pending review’ answer. Came across your website and followed instructions. The conversation was literally word for word how you described. On hold for about 3 minutes after answering some questions…and than congratulations Mr N, you’ve been approved.
    Great work on your site and Thanks!!!

  34. i applied for the chase freedom unlimited card and was given the reply that the application was under review. I found this site and other similar to it to try calling recon. I called and spoke to a rather lackadaisical gentleman. He told me i was denied tho the automated line kept spewing “pending review.” I asked for a reconsideration and he went asked me a litany of questions based off on the experian credit report. Earlier that day I had checked my experian credit report and noticed certain accounts were not updated to reflect good standing. I made sure to press the matter with the rep. He also asked me to explain my financial situation that led to those accounts (i slipped in student loans for 5 months!) After a few brief holds as he “noted” in the system…he came back on to tell me that my application has been sent in for reconsideration and i should receive a letter in the mail within 7-10 days with a decision. I asked if i can call back to check the status in a few days and he said sure. i have a strong feeling i have been denied, but if so, why did he not just point blank say so?

  35. I just wanted to say thank you so much! I applied for a Southwest card yesterday and got the “pending approval” crap. I called Chase Lending Services and followed your script. The Rep probably just woke up and was very curt. She did however, tell me to call the Verification Dept (877) 470-9042 instead. I called and it stated that it was the Fraud Dept. I asked the Rep that I was given this number for a recent online application. She was very nice and asked for my name and my social. Less than 5 minutes later, APPROVED! $5K credit line and was told that it would arrive in the mail within 1-2 weeks. YESSSS!!!

    Many Thanks!

    • Congrats! Thanks for sharing — hopefully they don’t start redirecting everyone to the Verification/Fraud dept.

      • I applied this morning and got the pending status too. I called the number you gave and was told to call that same verification line. The Verification Dept is open M-F 8a-8p, so I will call them bright and early on Monday!

        • UPDATE! I just called the Verification Dept this morning. The rep put me on for a couple minutes after I gave him my social. Then he came back and asked to send a verification code to my cell phone. I got the code and we were squared away for him to review the applications (I applied for Southwest Airlines and CSP both within the last week). He put me on hold for about 3 minutes and came back congratulating me and told me that I was approved for both!!! I was shocked considering that my scores for EQ, EX and TU range from 630-655 and one collection that’s months away from falling off, but everything else on my reports are never late. I think my saving grace was my salary (over 100K) and the fact that I pay all credit cards and loans on time. I took a chance and it worked! Thanks for your help. This site has been tremendously helpful!

  36. Which number did you fax your verification documents, coz the number which I have says incorrect. I have 1885938302

    • I have used 888-643-9628. They say it will take up to 10 business days for the document to go through so the analyst can see it. That’s quite a long time! For me, it came through in about 5 business days. Make sure you send it with the best quality possible. I tried faxing with an email-fax service and they kept rejecting the documents. I finally used a physical fax machine and set the quality to the highest possible and it went through.

  37. This works. Literally just tried it for personal card. I called in to see if my sapphire preferred was in transit. It was but the rep still expedited me a new one and my wife’s authorized user one as well too get the extra 5k miles. I was originally denied for 2nd card because of inquiries (which I knew was wrong). when on the phone with Mary, I bent her over and kissed her ass good lol. She approved me but couldn’t have that one expedited. Only issue was she approved me for the wrong card. Which was the freedom unlimited card with 1.5%. I was suppose to get just freedom with categories. She said take the unlimited, activate it then call in and they can swap it. Has anyone had to do this? What was your outcome?

    • Based on my experience, Chase typically requires you to hold that type of card for 1 year before they allow you to convert to another type of Chase card. Your scenario is a bit unique though since you literally just got approved (and not converting to avoid an annual fee – the most common reason people convert). Unfortunately I cannot opine but there is no downside to give it a shot – good luck!

  38. Welp, called into the business reconsideration line to find out that I was declined. Original reason was for an old chargeoff. Gave info about what I wanted to do (content creation and consulting), was asked about expected revenue by the end of the year. She put me on hold for a few minutes… was declined now only because of the lack of current revenue. I’ll try for the chase ink plus when the promotion is at 70k and when I’ve started to make money!

  39. This is awesome! I just called in after the 7-10 pending message and they looked into the application right away. I was approved for the Chase Sapphire Preferred card three weeks ago for $20,200.

    Today they approved me for the United Mileage Plus card at $25,300 after calling the recon number. The extra hundreds are sort of interesting.

    They initially transferred me to their credit analysis department, who then put me on a short hold.

  40. Thank you for this site, I also received the dreaded we need to review your application. My FICO scores are between 720-750 and just knew I would be approved. I spoke to two wonderful people and one sent a valdiation code to my cell. I gave it to her and answered a few questions on my application. I was approved. I am not sure what the credit limit will be but I am happy to use this card instead of my AMEX products to gain additional points to start traveling! Thank you so much for your website. You are a Blessing

  41. Applied today for SW Plus card and got the “pending review” status so called about 10min later, the first guy asked for ss# and verify address then said the status was due to a fraud check so sent me to the fraud department and they asked for ss#, phone number and then how long I have had that phone number, then sent me the verification code on the phone and I read it back to them and was instantly approved. This really works well! Make the call! It is easy and will get you approved much faster.

  42. Chase is by far the most difficult bank to get credit card. I am getting approved from Delta (AMEX), Capital One, Bank of America, Discover… And my credit scores varies between 720 and 750 as my credit history is less then 2 years since I moved recently to USA. Too bad as I wanted Chase Preferred Credit Card. I called number above but I didn’t get anywhere, no direct answers or suggestions, they are basically saying don’t apply if you are declined. My advice if you credit score is below 750 and you have opened several accounts in last year, don’t even bother. I receive offers in my mailbox all the time but she said that they send it to everybody

  43. I just applied for the chase freedom card last week what should I do to see if I was approved just saw they checked by credit what’s your thoughts

  44. I applied for the Southwest Premier (Personal Card) and the Business card (both with 50k bonuses). I was immediately approved for the personal, but a week has gone by, and no word on the Business card. I found a link for the Plus (the other personal card) with a 50k bonus, and I am tempted to just go ahead and apply for it, thinking I’ll have better luck. Do you think I could get denied for this 2nd personal card if I tried while having a business in limbo status, or would it possibly hurt my chances of getting approved for Business? What are your thoughts? Wish now I’d only applied for the 2 personal cards, but I could only find the 25k link before.

  45. Applied for both Southwest and Hyatt last week and instantly approved for 9k limits on each. Applied for CSP yesterday and received “review pending”. I called the number to check on status and was transferred to a rep who stated it was most likely a fraud protection/verification issue and said I could call back and check the status at any time. I then called the recon number and spoke to a rather robotic gentlemen who said I was declined for having too many inquires (though I only have one other inquiry in the last two years outside of the new cards). Gave the usual “anything else I can help you with today?” like, so I figured I wasn’t going to be reconsidered for approval. Called back an hour later and spoke to another analyst. We had about a 40 minute conversation. He asked me a bunch of questions regarding my home, income, things on my report, etc. He told me the reason for the initial denial was too much credit issued with no previous history with Chase. He offered to approve me for the CSP if I shifted some of my new credit around, which I happily accepted! BOOM!

    • Congrats buddy! Just keep in mind the 5/24 rule going forward – these may have been your last scores with Chase.

      • I applied online on June 7th got the pending had to verify 7-10 day message.
        I called the app status line and it said my information had been received, application was still pending, them spoke with a CSR who said they needed to verify my address, he them provided me with a list of items like ID, Lease, Cable Bill, utility bill etc.. He provided me the reference number and he fax number.. Is this a good sign, I faxed my electric bill the very next morning. Should I call the reconsider line our should I just wait

        • Give it a few days for things to get uploaded into the system and then call to follow up. Generally this is a good sign since they didn’t outright reject you.

        • Did you get an approval in the end? How long did you wait to call the recon line again? I’m in the same situation as you. Thanks

  46. My experience…. I applied about 3 months ago to the Chase Slate card, and received the message that my application needed further review. As a result, I didn’t do anything and just waited. I was very certain that I would get it due to my credit score, a pre-qualification letter that I received a few months before (which I think had expired by the time I applied), but I was certain that nothing had change in my payment record or credit score. So I was certain I was going to get approved. Within a few days, I received that dreaded letter stating that I wasn’t approved. I have to admit, I was shocked to read that letter but decided to shake it off and act as if it never happen. Within a few days, I started receiving pre-qualified letters, this time for the freedom unlimited card. Not going to lie, I was tempted to apply but did not want to go through the same situation or add another inquiry to my credit score. But the letters still kept coming.

    It is now June and I had received about 4 pre-qualified letter for the freedom unlimited. So this time, I felt confident again that I was going to be approved and that I still had a chance. I mean, why are they sending me all the pre-qualified letters if I wasn’t a good candidate. Well last Sunday, I decided to apply. Guess what? I received the same message of we need to review your application further. Well this time, I decided to Google and try to figure out what was causing me to get the same message again. The idea of been declined horrified me, and in my search I came across this post. Not going to lie, I read every single message and experience on the comments. Trying to understand and see if I could relate to anyone. I had also read a few reviews on the CK website as it came up in my google search. After reading this post and all the comments I decided that I was not going to just wait. I had to do something and call the reconsideration line, but I had decided to do this too late because it was after business hours. I finally called on Monday and follow the script. I do have to say I also got a really sweet lady, who made it easier to do small talk. Apparently, an old collection, which I paid in full was coming up on my credit report. I explained to the rep. the reason of why that account was coming up and the fact that I had paid it in full. I also shared with her that I am still doing business with that company. So after a few minutes and a few holds she said she was adding notes to my application to explain the reason of this collection. She also mentioned she would put the application through one more time. A few more questions were asked regarding income, address, employment, etc. Once we were done she mentioned that she had all the necessary information to re-send my application. That after further review, I would receive a letter in the mail letting me know the outcome. The call was about 45 mins, but overall, I though it was a great call and the rep was still the sweetest person all throughout the call. My advise would be to stay positive, tell the truth even if you had a collection and explain why you have it and also what you did to resolve it. This helped the representative understand my situation.

    Anyways, I finished the call and really though I had a 50/50 chance and I would just be patient and wait. Later that day, I had to check my balance on my checking acct. and to my surprise, my balance also included a credit card notification with my credit limit. I was shocked and so happy. I couldn’t believe that making this call actually worked. Had I not done this call, I would have been declined. With that said, I was thankful for finding this post. Today, 4 days later, I received my card and I am so proud. Thank you Reward Boss!

    • Thanks for sharing! Perhaps you can request the company reporting the debt update their records so it shows as paid off… might help for future credit requests.

      • Didn’t think of doing this….but I will definitely take your advise and call them. I will keep you posted.

        Again, thank you Reward Boss!

  47. Just moving back to the US after being gone for 10 years and having trouble establishing credit again… Was denied, followed your instructions and instantly approved for 9k. Quite weird standards, but hey! works for me 🙂

  48. LAST WEEK. Break the 5/24 rule. But applied for chase sapphire preferred in-branch through the pre qualified.
    NOT get approval instantly. Called recon line several times. Every time I heard the same feedback: pending further review. Wait up to 30 days to receive letter to know the result.

    Is this a sign that I would get denied? Cuz i heard if approved, would received email instead of mail notification.
    What do you think reward boss.
    Still thank you. this article has been very helpful

    • In-branch may be your only hope for approval… That seems to have best odds of approval w breaking the 5/24 rule. Tough to predict but I would say hope for the best but expect the worst.

      • Update: hope for the best but expect the worst! That’s what I did, Reward Boss! But yesterday, When I logged in to my chase, I accidentally found there’s one more account. It’s my sapphire!!! I was surprised. And Credit line is 16000. I think thats for sure approved, right? though I did not receive any letters or emails regarding this at all. I guess I’ll just wait for the card to arrive.

        Another thing I want you to know is that I also applied for Chase United Credit card the same day since you said do not waist the hard pull. I received denial letter clearly mentioned the reason is: too many credit cards within last 2 years. So United card is for sure 5/24.

        Again, Thank you so much Reward Boss! hope to see more of your posts!

  49. I just called and it worked like a charm. In my case they moved some Chase Sapphire Preferred credit line to the new card. Thank you. Took no more than two minutes. Thank you.

  50. I applied for the Slate card wanting to transfer some balance from high interest cards. I got denied saying I had a bankruptcy on my credit report but I do not have a bankruptcy on any credit report. Not sure where they get their information.

    • Have you reviewed credit report from all 3 agencies? If you have never had a bankruptcy there may be an error that you can dispute.

  51. Called the Lending Services hotline: 888-609-7805. Made the call on Saturday, 10am (EST). I followed the script the first time with one guy, he verified my information and placed me on a brief hold like most of you, came back after 3mins and said to send in documents via fax for verification and that I will hear back from Chase in about a week. I said thank you and have a nice day at the end of the conversation, but after I hung up I thought I should call again to verify the fax number: 188-643-9628 because it didn’t look right to me. Then I called in again and I was praying that another person picks up, and so it did. Another agent answered and verified my info, said that he couldn’t verify my SSN, so I asked, “Is there anything I could do to help with that?” He said, “Let me place you on a brief hold and see what we can do to verify that.” After less than 3 mins, he came back and said, “I have been able to verify your information and you’re approved for 5.5k CL. You will receive a welcome package in the mail in about a week.” I thanked him and went on my merry way. Thank God for you Reward Boss!!

    • Congrats! Faxing things to them is not fun. It takes them up to 2 weeks to get it into their system so the reps can see it. If they can’t see it, you need to resend and wait again.

  52. I applied online yesterday for a Marriott Rewards Business Credit Card (through Chase) and received a “pending decision” / No Decision response and that my application would be reviewed. I called in this morning on the business help line for Chase (800-453-9719) and was told immediately it had been denied already and I would get a letter in two weeks. I asked nicely if that could decision could be reviewed and/or could I do something and then reapply. The agent said she would be glad to perform a review of my application and take another look at it with me. She put me on hold for 10 minutes and came back with a whole list of questions about my personal financial situation and my business. Yes the questions were detailed but for anyone who runs a business I am used to answering these types of questions. Bottom line, I offered to close my other Chase Ink Card which I haven’t used in 6 months in order to receive the benefits of the Chase Marriott Business Rewards card and she allowed me to do that. It took another 10 minutes on hold but she was able to transfer the credit line from that Ink Card over to the new Marriott Card (and saved my credit from a “denied” card thank goodness). I would encourage people to call if you are confident in your situation and can stay cool under pressure.

  53. Interesting, I was just rejected for the 5/24 rule. But i don’t have that many accounts. I asked how that was possible, he said that I’m an authorized user on 3 of my spouses accounts and have 2 of my own. That makes 5 total. Didn’t realize being an authorized user on somebody else’s card would count against me in this rule.

  54. My husband and FIL both applied for the Southwest Airlines CC. My husband got a denial letter and my FIL got a letter saying to call the fraud dept. I guess since both have the same name they wanted to make sure it’s not a fraud case. Anyway my FIL called the number they asked a few questions foe verification and then asked him to fax a copy of his drivers license. He took care of that yesterday. Should he wait now to hear from them again, like will they sent a letter with a decision? Thanks in advance

  55. I applied for chase slate one month ago and was approve with 500.00 but today I got the message about 30 days to review. I will call tomorrow and see what happens. I am rebuilding my credit after couple 2012 charge offs

  56. Thank you for the great info Reward Boss!

    I applied 3 days ago through the website and got the pending review page. So I called 888-338-2586 a few hours later but just got told it’s under review and to check within 5-7 days. I followed up today and called the same number but was told the same notice within possibly 5-7 days, and up to 30 days. I asked if there’s any way to expedite the process since I have wedding purchases coming up by the weekend. Lady replied it’s pending review and would have to check back. Seems they can only check the status of your application and nothing more.

    Thanked the lady, hung up, and called 888-245-0625. You don’t get an automated machine like the other number and a Chase lending specialist picks up right away. I said I’m calling about a pending credit card application, was asked for a reference number, I didn’t have one, was then asked to provide my SSN. He looked it up and told me I would be transferred over to the security verification department. The 2nd representative asked for my personal info, SSN, and put me on hold while he reviewed the information. After about 3 mins on hold, he asked to confirm my mobile number. He said I would be texted a verification code. After reading back the code to him once received, he processed the verification and voila! no more 30-day waiting period for the notification, approved for $18k CL. He even agreed to expedite the card at no cost and have the card arrive in 2 business days.

    So if anyone else lands on the pending review, wait up to 30 days for notification page after submitting the online application, follow Reward Boss’s advice and call in to the number stated. It might be on hold due to a security verification and not because of an actual credit review. Thanks again Reward Boss.

  57. Is the number 1-888-338-2586 legitimate? I haven’t been able to find it anywhere directly associated with Chase and when I called I entered my Soc and it automatically disconnected so now I am worried it was a serious scam

  58. Is there an address where you can write a letter further explaining your situation? I received an offer and was still declined. The specialist that I spoke to was completely rude and didn’t want to hear anything?!?

  59. I applied for the SW plus card 2 days ago online, and got the 7-10 days pending review message. I called in today to 888-245-0625. The rep asked for my ss# my birthdate and my mothers maiden name. She told me that I was approved yesterday for the card and I would receive it in 1 to 2 weeks. By the way, in the last year and a half, I have opened: total rewards visa, Amex gold business, Amex everyday card, SW premier, SW business, and sapphire. Woohoo!

  60. Hello everyone!

    I applied for Chase Ink Business Plus card over the weekend and receive a pending notification. This morning got up the nerve to call in about the status. The CSR told me I had been denied based on a collection account. I told her it had been paid and should not be on my report. She offered to do a recon which I agreed to. She asked a series of questions about my personal income and business’ revenue and profits over the two years I have been established. After being placed on hold twice I was approved! Welcome letter and card are on the way.

    I hope this helps!

  61. I applied for the Chase Slate and they I got the pending page. I called the morning after and after verifying my SSN and DOB they said I was approved for $3k. Not much but better than nothing :). This will help lower my utilization. I only plan to use it for balance transfer.

    Thanks for this info!

    • If you have existing chase credit cards, call up chase to shift credit over to your new slate card. May as well get full use of the 0% BT and 0% APR.

  62. Wonderful website, I literally had no credit history. On applying in the bank, the banker told me due to privacy, they could not tell me the results right away. So I head home and google on how to check Chase Credit Card approval. I stumble on this website. I call the no. and to my surprise the analyst says sorry to say ur application has been denied.
    Then I explain the need for building my credit history and he says he would relook into the application again. After couple of questions, he puts me on hold and then says I was approved for 700$ CL.

    Thank you for the information here, else I would have surely ended up with a denial letter.

    • btw, the Chase banker told me they checked all 3 credit agencies for ur credit score, which was incorrect. They only checked Transunion.

  63. any tips: just called Chase Lending services (again)..i went through the verification process again, received a ID code, relayed the #s and was told oh we have already recommended approval (two weeks ago) and its in the queue for a supervisor to approve….and that they will expedite the approval….no additional info.

  64. Hello, I just got off the phone with reconsideration line. It went nowhere, seemed like the guy had his mind made up right away. Declined for “not enough accounts opened long enough to establish a credit history”. They had pulled my Equifax report which does not show two loans that I had paid in full several years ago. My BOA card is only eight months old and is my only current card. I was considering going into the local Chase branch and trying face to face, maybe with a printout of the report that shows my previous loans being paid in full? Or should I call again and hope for a more accommodating representative?

  65. Got a pending status after applying for the United MileagePlus Explorer card. Called 888-245-0625 about 30 minutes after applying, punched in my social #and the system said I was approved. Chose to be connected to a customer rep, who agreed to expedite the card to me in 1-3 business days via UPS.

  66. CS Ex 635
    CS EQ 619

    Did a lot of research… and after much hesitation I decided to apply for Chase Sapphire Preferred because my credit was already low and I didn’t want to make it worse.

    Applied and got the notification that it would take up to 30 days to review…called the number they reviewed it …was super nice, and in 30 min and i was approved at a 5K limit! Stoked

    Pretty much used the convo above as a guide..

  67. Both wife and I applied for CSR today, both got the pending message online that said answer w/in 7-10 days. However, the strange thing is when I call the status line I get a different message than she does. For me it says my application is pending further review and I’ll receive and answer in 7-10 days. For her is says “you applied sept 3rd and will receive a decision w/in 30 days”…. So my assumption is one of these messages means denied and one means it truly is pending… Any data points on the difference between the messages?

  68. I don’t know who wrote this article but i must say it works. I applied last night and got the ” we will let you know our decision through US mail” so I decided to call this afternoon and i followed the instruction on this article word for word. I was approved for $2,500 after waiting on hold.

  69. Bummer! 🙁

    My app for Chase Freedom Card was denied due to over utilization of credit. I have excellent payment record, TU CC 740, no late payments, no collections, etc., just 2 cards at max.
    Was looking to balance transfer those cards to help with lowering the utilization rate. Disappointed!

  70. I applied for the Chase Ink Business plus card and got the 30 day message. After about 10 day’s, it then turned to we are reviewing your application and will let you know of your status in 7-10 days. From what I read on the blogs, the 7-10 message means a denial. So I waited a few days and decided to call in. I have a valid business with an EIN. I figured if I was denied I’d ask them to reconsider me and I could explain the revenues and expenses of my business. I read the scrip and had all my numbers prepared for the call. Well, I called in and they put me on hold for about 3 minutes (which felt like 30 minutes) and he came back and said everything checks out. You are approved. They didn’t ask me any questions about my business nor revenues or expenses. One thing I did do was open a Chase business checking account about 2 weeks prior, so I’d already be in their systems. Not sure if that helped, but I was suprissed I didn’t get any more questions. I am not over the the 5/24 and currently have two Chase cards (SW Personal and Chase Sapphire). It can be easier than you think. In my experience, the 7-10 message does not mean a denial. They only pulled experian.

  71. Hi guys

    I just called the Business Credit line after applying and getting a pending status. They transferred me over to the fraud dept to verify my identity. Asked me a few questions and sent me over a text with a code to read back to them while I was on the phone. About 10 mins all together and I was approved for double more than I wanted.

    Thanks, guy!!!

    Just one question. I want to be sure that my card will only show up on my Business credit and NOT be reporting to my personal. My personal credit is good, but I want to keep my business expenses and profile seperate and away from the personal

  72. Hello guys,

    I just applied today for Slate credit card with a TU648 and got the pending message saying that I will get a letter within 7-10 days.
    I called the automated line and pending time was extended to 30 days. Not knowing what to do I made some searches on the internet and came across this page. It took me 2-3 hours to decide if I had to call the reconsideration line or not.
    I followed the script and was approved with CL of 2k plus balance transfer at 0%. The agent told me that my app was on hold for verification. All I was asked was my ssn, address…was put on hold for 3 min and got APPROVED!!!!!
    They are even going to overnight my new card !!!!
    It doesn’t hurt to call and it might avoid you some unnecessary delay.

    Thank you for all these information.
    I usually just come for help and never post anything but today I felt like I needed to share my experience.

    Good luck!

  73. Hi i applied for the chase marriott rewards card along w a ffamily member as authorized user. she helps me with my bill etc as i am retired and older and we travel and i need my grandson to be taken care of in case im not nearby so she aldo got a card. based on my credit which is very good we got a fairly.
    high limit and got the cards 1 day. before we traveled out of syate. I activated my card and made a $300 purchase then stopped at a bank to get a lil cash since i had set up a pin on activation. well since i was in a diff town several miles away it got immediayely flagged for fraud & as i wad speaking w the fraud specialist she was not undetstandable bc she was foreign and blurred and i had hard time understanding her. i askef her to talk to my co authorized user but since im primary she wud not. i gave het both of my phpne #s and she proceeded to try to tell me that if my family member helpef me w my applicatipn it easnt valid and now idk wat to do nect bc i have already used it once fot $300 But now it seens she plaved iit in a revirw szatus again. i wad told to wsit few days and call bal bc at that point no one cud see my acct? Wat shud i do next? Im bak home and itd been two dayss. i feel likr they gave it and took it away n i was discriminated against bc of my age and my lack of computer skills. anx suggestions how to proceed?

    • I would suggested asking for a supervisor until you get someone you can understand. If you still can’t understand, ask for a rep who is based in the United States. Also, you can put the call on speakerphone and your family member could help you out without dealing with them directly.

      In the past, my parents have added me as an authorized person to manage my account. This would allow me to call on my own whenever I need to take care of anything and never had a problem with this.

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