Simply put, the reconsideration line is a path to specialized agents that can check your application status for a new card, see if and/or why you were rejected, and recommend to underwriting that they reconsider your application, if they feel it is warranted. New Chase Reconsideration Phone Number: Chase changed the phone number for personal cards. You can call during general working hours 7 days a week. Please call us as soon as possible at 1-800-243-6010 Mon-Fri 8am to 10pm EST to discuss your application with a Customer Support Specialist. Press 3. You can call during general working hours 7 days a week. © Copyright 2020 MilesTalk. It also doesn’t matter if they’re all Chase cards or from different companies like American Express, Capital One, Mastercard, or Visa. Chase business reconsideration line phone number The Chase business reconsideration line phone number is: 1-800-453-9719. Hi all, I just applied for a Chase Freedom card and am now regretting the decision, as I don't think I will be approved due to my lack of credit history. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. What to Say During a Reconsideration Phone Call. If you don’t, ask if they can look you up using your social security number. Opinions expressed here are the author’s alone. That said, if you get denied a second time, it’s time to lick your wounds and see what you can do to have more luck the next time. A few years ago I realized many of my friends actually thought I was paying for these!! Remember, don’t be pushy and don’t sound like you’re just there for the sign-up bonus. Let them know that you’re on their team. Sorry, your blog cannot share posts by email. Choose from our Chase credit cards to help you buy what you need. The 2/30 rule means that Chase can only accept no more than two credit card applications in a 30 day period. Listen Money Matters is reader-supported. Personal: 800-695-5171 8am-Midnight everyday The calmer you are, the better you’ll do in making your case. This post details the best practices to negotiate a call with Chase. You’ll find out what the issue is right away and have a chance to help the representative go to bat for you by answering any questions they may have. They imposed new guardrails and added new sets of restrictions. and would like to check on your application status. The old number 888-245-0625 has been disconnected and replaced with 888-270-2127. If you recently applied for a Chase credit card and received a message that your application is pending review, here is a guide on how to check your Chase credit card application status and how to call the Chase reconsideration line to ask Chase to reconsider their decision (if you are denied) or to ask them for an immediate decision (if your application is still being reviewed). The Chase reconsideration line for personal cards is 888-270-2127; for business cards, it’s 800-453-9719. Take a minute before your call to look over your other Chase credit cards and their credit limits. My “introduction to miles and points” book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers. Used the last 4 of a different Chase card and got to Lending Services. $0.015 single point value per dollar spent when redeemed through Chase. The MilesTalk Facebook group is a great place to ask for that help. And I've stayed in some of the finest hotels - all for free! Ask the analyst how their day is going. Occasionally, they’ll approve an application for an additional card if you’ve been pre-approved. In May of 2015, Chase created the 5/24 Rule, which stipulates you can’t open more than five credit cards within twenty-four months. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. First, remember that you want the representative to be on your side. You have to decide whether you want to stop applying for any rewards cards until you no longer violate the 5/24 Rule, or if you’ll live with the credit card offers other companies provide. Called the old reconsideration #s for business and personal. So I started sharing my tips. Many people find themselves in a situation where Chase rejects them because of the 5/24 Rule. Advertiser Disclosure: MilesTalk has partnered with CardRatings for our coverage of credit card products. You want to see if you can help in the process or answer any questions. These are some of the steps you can take to be ready to make the call. This site does not include all financial companies or all available financial offers. Lowering credit limits (before applying). Credit Line Issues. Determine where you need higher credit limits and where you can reduce your available credit. The third is that they will review your application in 7-10 days. Generally, in my experience, a review in “7-10 days” is the worst message and tends to correlate to a denial. Credit card companies use algorithms to determine who is and who isn’t a worthy candidate to carry their rewards cards. This site does not include all financial companies or all available financial offers. Don’t lie about it; just have an answer prepared. Denied Then Approved: Chase Sapphire Preferred Credit History Issue. For Business Chase cards, call 1-800-453-9719. Let me know below in the comments, on Twitter, or in the private MilesTalk Facebook group. Currently, the statistical odds imply a net savings rate of between around 1% and 3% - at a time when banks like Marcus are offering a paltry 0.5%. If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. With Chase credit cards, for example, you’re probably heard of the unofficial 5/24 rule that limits new accounts for consumers who have had 5 or more new credit cards within the last 24 months. Make sure you know which credit card you’re willing to lose if it comes to that. Before you agree to close one, tell them again about why each rewards credit card is so important to you. Make a little bit of small talk. So now it’s time to plead your case for why you’re the perfect candidate to win the Chase credit card application lottery. They want you to be a long-time customer, not someone who just wants a free flight. 3x points on travel after earning the travel credit and dining1x points on all other purchases, Point Redemption No matter what, don’t get combative – even if they don’t tell you what you want to hear. When you get rejected, it’s hard to feel confident about yourself. Number of cards: 2 Age of oldest card: 11 months FICO score: 755 Annual Income: $15,000 Do I have any chase accounts? Maybe you already have three Chase rewards cards, and they’re hesitant to grant you another one because they feel this would give you too much available credit. Reconsideration (Personal): 888 … Plus, it's fun! Apply for a Lower Tier Credit Card: You can reapply from scratch but this option is also available as one of the negotiating offers in a credit card reconsideration request (you could propose to downgrade to a lower tier credit card from the same bank issuer with similar features). Can do you are, the information outlined here applies to most other issuers... Many of my friends actually thought I ’ ve called outside of hours! A pleasant human, not a robot - all for free or rejected is often a call! Prepared will put you on hold for a card personal cards within a month, but it s! By the analyst is having a bad day ; perhaps they aren ’ t tell the that. 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