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 call the Chase Application Status Hotline and enter your social security number to check your status through the automated system:
- Chase Application Status Hotline: 888-338-2586
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:
- Last payment amount
- 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. If you don't get a desired outcome, HUCA (Hang Up & Call Again). Then comes the approval email:
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.
Proof of Identification
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.
In-Branch Pre-Approvals Bypass 5/24 Rule
If you applied online for the Chase Sapphire Reserve 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.
Similarly for Business cards, I prefer going in branch to check for pre-approvals. Even if the in-branch application goes pending, I find the call to recon to be much less inquisitive.
What about Bankruptcy (Chapter 7 and Chapter 13)?
You may have been rejected due to a bankruptcy on your credit report. When is a bankruptcy deleted from my credit report? According to Experian,
- Chapter 7 stays on your report for 10 years
- Chapter 13 stays on your report for 7 years
Chapter 7 stays on the report longer because there was no repayment of the debt. Here are some useful datapoints of how people dealt with a BK on their credit report. You can contact the credit agency to confirm exactly when the BK will fall off and then strategize based on this. It's a good idea to track your credit score with sites like CreditKarma.com, Credit.com, or Quizzle.com. If you get rejected, you can help rebuild your credit with a secure credit card (you deposit some $ with a bank and that becomes your credit limit).
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.