The Best Tips on Getting a Credit Card When Contacting the Chase Reconsideration Line
If you applied for a Chase credit card and your application was denied, there’s still a way you may be able to get approved. The Chase reconsideration line is a number you can call to talk with a real person about your credit card application, address why it was denied, and ask for it to be overturned.
Most credit card applications by Chase are approved or denied by an automatic system leaving room for errors and misinterpretation of information. In order to access the line, call 1-888-270-2127 for personal accounts and 1-800-453-9719 for business.
When To Call the Chase Reconsideration Line
The primary reason to contact the line is that your application for a credit card has been denied. In some cases, you may receive an alert that something isn’t right with your application, and you can access it by calling the application status number. Checking to see if you’ve received an alert could save you the time it takes to call the line. If you were still denied and didn’t receive a notification, it’s time to call reconsideration.
Once you get notified that your application has been denied, you have 30 days to contact the Chase credit card reconsideration line. If you fail to do so, you’ll have to submit a completely new credit card application.
What Happens After You Apply
Checking your application status and taking note of alerts can give you insight into whether you can expect approval or not. Remember, response times vary regardless of your financial status. Here are the following options that can occur after you submit your application.
1. Chase will notify you of the status of your credit card application within the next 30 days.
(UponArriving)
In most cases, applicants will receive this message when they submit a Chase credit card application. You can look at it as an automated confirmation that your application was received. In a few weeks, you should receive the answer from the bank.
2. Chase will notify you of your application within the next two weeks.
The two-week message almost always means your credit card will be approved, and you probably don’t need to prepare for the Chase card reconsideration line.
3. Chase will notify you of your application within 7 to 10 days.
The 7 to 10-day message usually means your credit card application will be denied, and it might be time to start preparing for making a call.
There is a chance that there’s an error in your application and that the bank will need to verify your ID to grant you a new credit card. Businesses often receive this message on their Chase credit card application status as the bank can take time to verify business operations and records.
Reasons Why Chase Denies a Credit Card Application
If Chase has already denied your application, you might be wondering why. Before you contact the reconsideration line, here are some common reasons applications get rejected.
1. You made a mistake in your application.
(BankBazaar)
If you were certain that your credit card would be approved, but Chase denied your credit card application, the problem might not be too complicated. In many credit card rejections, making a mistake on the application is the reason.
Sometimes someone from the bank will reach out to you to ask for the correct information, but it’s not a guarantee. Contacting the bank is an easy step to finding out more about what happened.
2. You broke the 5/24 rule.
(CNBC)
Another common reason for an unfavorable Chase application status is the broken 5/24 rule. Chase is well known for this regulation. It states that you can’t get a credit card if you have been approved for five or more personal credit cards in the past two years. These credit cards can be from any banking institution and count even if you cancel them.
In that case, there’s not much you can do except wait for the 24 months to pass. You can try calling the Chase credit reconsideration line, but you’ll likely get rejected again. Alternatively, you can apply for another credit card from somewhere else with fewer regulations.
3. You broke the 2/30 rule.
(Points Navigator)
Chase has another rule similar to the 5/24 rule, but it’s less known. The 2/30 rule means you can’t get more than two credit cards within 30 days. Instead of calling the Chase business credit card reconsideration line, simply wait a few weeks and reapply for a Chase credit card.
4. You have applied for too many credit cards in a short period.
(Chase)
Even if you didn’t break the 5/24 or 2/30 rules, your credit card application could be denied if you opened too many accounts recently. Experts recommend that users wait at least three months between applications. If you’ve been checking more than just your Chase card application status, it’s likely it was rejected because you have too many approved or submitted applications.
5. You have a bad credit score.
(BadCredit.org)
The majority of applications get denied because of poor credit scores. While there is some variation in the score required to receive credit, the general rule is that a score of over 700 is credible. If you have a score below this, the status of the credit card application for Chase won’t be positive.
To improve your credit score, the best thing to do is try and pay off loans on time and stop accumulating any more debt. Having an account for an extended period is also beneficial, so don’t cancel any old cards you might have.
6. You are a new client.
(The Points Guy)
It’s possible to check the status of your credit card application with Chase and get denied because you’re a new client. Establishing a trusting relationship with the bank by opening an account is an excellent way to prove financial legitimacy. Especially if you applied for a large limit or a business account right off the bat, the bank would likely want to get to know you first.
How To Prepare for a Reconsideration Call
Before calling the Chase reconsideration line phone number, it’s smart to prepare beforehand. Providing financial information like your SSN, employment and salary, outstanding loans and accounts, and clear reasons why you need a credit card is expected during the call.
1. Go through your documentation and credit reports.
(Forbes)
If you’ve made a mistake in your application, it shouldn’t be hard to overturn the bank’s decision. By going over everything you sent to the bank before calling the reconsideration line, you might be able to find the error and quickly resolve your account.
In case the bank’s explanation of the refusal seems illogical, it might be best to call the Chase credit analyst number to review your credit reports. Receiving conflicting information from banks and creditors is one of the first signs of fraud.
2. Be polite and open to discussion.
(NextAdvisor)
The reconsideration process will depend a lot on the person you’re talking to. If you’re helpful and polite, there’s a huge chance that they’ll be willing to renegotiate your terms or discuss possible solutions with you. Leaving a good impression with Chase while you check your credit card application status can never be a bad choice when you’re looking for approval.
3. Think about the ways to make your case.
(RewardExpert)
Providing both practical and personal reasons that you require a credit card is important when speaking to the reconsideration line. If the agent sees that you could be a potential long-term client, they may be more inclined to reverse the decision to reject your application. If possible, paying off all outstanding debts before calling the Chase backdoor number can help change your status immediately.
4. Move your credit from another card.
(Experian)
If you already have a credit card with Chase and you’ve been refused because of the credit limit you want, you can ask to transfer your other card’s limit to the new account. You usually need to have a good reason, but it allows you to combine the credit you already have with the credit you want.
This doesn’t apply to the Chase business reconsideration line or any business-related applications. Transferring credit between personal and business accounts is not allowed.
5. Opt for a lower credit card limit.
(NerdWallet)
If the above option isn’t available to you and you’ve been rejected for the amount of credit you want, asking for a lower limit is one way to have the decision changed. Asking the Chase reconsideration line to reconsider your application with a lower limit often results in approval.
Other Credit Card Reconsideration Lines
Our tips will work for other banks as well! Here are the numbers you can contact:
- American Express reconsideration line: 1-800-567-1083
- Capital One reconsideration line: 1-800-625-7866
- Barclays reconsideration line: 1- 866-408-4064
- Bank of America reconsideration line: 1-866-422-8089
- Citibank reconsideration line: 1-800-695-5171
- Wells Fargo reconsideration line: 1-800-967-9521
- US Bank reconsideration line: 1-800-947-1444
- Discover reconsideration line: 1-800-347-2683
Final Thoughts
The process of getting a credit card can last just a few days for some and be extremely frustrating for others. By regularly checking your Chase credit card application status, you can gain insight into why your application might be rejected.
Just because your application isn’t automatically accepted doesn’t mean it won’t be. Still, knowing about what each status alert means can help you prepare. If your application was denied, calling the reconsideration line may help change that. Knowing the problems with your application in the first place can help you prepare for the call.
FAQ
When to call the Chase reconsideration line?
You should call the Chase reconsideration line as soon as your credit card application gets denied. According to Chase regulations, you have 30 days after the rejection of your application to contact the reconsideration line. Most experts recommend calling immediately to ease the process of finding your information.
How long to wait before calling the Chase reconsideration line?
Some might say to call sooner, but waiting for your application to be outright rejected is a good time to call the reconsideration line. Beforehand, check for reasons why you may have been denied, such as making an error on the application or having a low credit score. Chase allows you to call the reconsideration line up to 30 days after the application has been denied, so don’t wait too long to make your case.
How long does Chase take to approve a credit card?
Depending on your application, the approval wait time can vary. For those with exemplary credit and financial history, applications can be proved instantaneously. Many applications are accepted within a few days of submission, but Chase gives itself 30 days to respond. If you’re unsure of the status of your application, call the application status number or check online.
What is the 5/24 Chase rule?
The 5/24 rule is a common reason for Chase’s credit card denial. According to the regulation, the bank won’t approve any application holder who has had more than five new credit cards within the past two years. If the bank rejects your application based on this rule, you can call the Chase reconsideration line, but there isn’t much you can do about it.
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