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How can i check my chase credit card application status


how can i check my chase credit card application status

How do I apply for the Disney Visa Credit Card from Chase? or DisneyCruise.com and was informed Chase needs to review my request a little longer? Manage your credit card applications in one convenient place. Complete my saved application · Check the status of my submitted application. This site allows you to check the status of new Card and American a credit card application to: American Express Citi; Capital One Chase Bank of America.

How can i check my chase credit card application status -

Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

Источник: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY

Are you trying to find out how to check your Chase credit card application status? Or did you receive a message stating that your application is “under review” and that you will hear back in 30 days, 7 to 10 days, or even two weeks?

This article will show you exactly how to check your Chase credit card application status in three easy ways.

And it will also show you what each of these “under review” messages mean like the 30 day, 7-10 day, and 2 week messages and what you should do after you receive one of these.

I’ll also give you some much needed information that can help you overturn a denied application via the Chase reconsideration line.

Interested in finding out the top travel credit cards for this month?Click here to check them out! 

How to check your Chase credit card application status

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

If that doesn’t work, older numbers might work:

  • 1-800-432-3117 and 1800-436-7927 for personal cards
  • 1-800-453-9719 for Chase business cards. 

You should be prompted to input your social security number, and then you’ll simply wait to hear the status of your credit card application.

Be aware that sometimes you might be taken directly to an agent. If you don’t want to talk to a live person then just hang up the phone and there should be no harm. However, if you do want to talk to them then you need to read more about Chase reconsideration (which I talk about below).

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Can I check my credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase — if you’re a new customer, you’ll just have to settle with calling the automated phone number above.

For a while, Chase didn’t have the ability for you to check your status online but now it’s very easy. I will break down the steps below.

Step one

Log-in to your Chase account.

Step two

Once you are logged in, click on the three bars on the top left side of the screen.

Step three

You will now see a side bar menu and there will be an option for you to select “Application status.” Look for the option at the bottom of the menu.

Once you click on that, you will be taken to the “My Applications” page and you should see all active applications there.

If you are still using the old Chase interface, follow the instructions below.

Log-in to your account and then go to the “Customer Center.” On the right side of the screen you should see a section called “Open a New Account” and underneath that a link you can click that says “Check my application(s) status.”

Click on that and you should be able to view your recent credit card applications which could include:

Secured message

Some people prefer to check their application status via a secured message. If you want to do this, then log-in and go to the “Contact Us” and click on “Send us a message” using the Secure Message Center.

This will be the slowest method to get your answer, though. So I would prefer to go with calling in or just checking online.

Chase application status for loans

Note that there are different phone numbers that you can call to check on the status of your applications for other loans like mortgages and auto loans.

These numbers can be found below.

Auto loan – Purchase New or Used Car1-866-804-6781
Auto loan – Refinance1-866-481-4254
Home equity1-888-e4CHASE (1-888-342-4273)
Mortgage1-866-524-9593

What does your Chase credit card application status mean?

Chase is known for sending out different types of messages when you apply for one of their credit cards and don’t get automatically approved. These messages can give you an indication on whether or not you can expect to be approved.

30 day message

One of the most common messages to get after you are not automatically approved for a Chase credit card is the 30 day message.

If you receive this message all it means is that your application is being processed.

Sometimes it means that the computers are just back-logged and for whatever reason can’t spit you out an automatic approval. Other times it means that your application will likely be reviewed by an actual person (manual review). 

At this point, you can just sit back and wait a few business days or usually at most a couple of weeks for Chase to get back to you. Or, you can be more proactive and you can consider calling into the reconsideration phone line but you may want to just hold off (more on that below).

Two week message

If the automatic status checker changes and tells you that you’ll be notified in two weeks, then you should be very happy because this message almost always means that you will be approved!

So I would recommend that you just be patient and await your approval email (assuming that it is coming) but you could also call in from time to time to check on it until you hear the official word.

Eventually, you will hopefully receive a message like the one below!

Chase reconsideration line tips

7 to 10 day message

If the automatic status checker changes and tells you that you’ll be notified in 7 to 10 days, I’ve got some bad news….

This message often means that you will be denied.

There are some situations where people receive the 7 to 10 day message and all they had to do was call in to verify some sort of personal information. For example, there could have been a discrepancy with the address they put on their credit card application versus the address that showed up on the credit report.

Or, Chase just might want to make sure that it was actually you who applied for the credit card. In that case, you might just have to answer a couple of easy security questions. For example, you might have to verify your old address or a car that you once owned. 

So if you receive this message there still is some hope that you might get approved but for the most part you should expect a rejection to come.

At this point, you may want to go ahead and call into the Chase reconsideration line at: 1-888-270-2127.

Chase credit card application rules

Chase has some very specific credit card application rules that you want to make sure that you are following.Two of the most popular rules are the 5/24 rule and 2/30 rule.

Hopefully, you already had an idea about these rules before you ever applied and you made sure that you were not violating any of these rules.

However, if you just applied and were not automatically approved then you should read up on these rules and you might be able to find out why you were not approved.

If you are in violation of these rules, you stand a very, very small chance of getting approved and you should probably just expect to be denied.

But, if you were not in violation of any of these rules, and you were not automatically approved then you should probably look into calling into Chase reconsideration.

The Chase reconsideration line is your opportunity to plead your case and try to convince Chase to approve your credit card applications and even overturn rejections.

The goal here is to show Chase that you had a legitimate need or desire to open up a new Chase card or multiple cards so that they will reverse their decision and approve you for a card.

The Chase reconsideration line phone number is 1-888-270-2127.

The Chase reconsideration hours of operation are usually:

  • 7am to 10pm EST Monday through Friday
  • 8am to 1 pm EST Saturday
  • 9am to 9pm EST on Sunday

How to handle a reconsideration call

There are some things that you don’t want to say in a phone call like this and then there are some things that you do want to say.

For example, you don’t want to tell Chase that the primary reason you are chasing a credit card is the amazing 50,000 point sign-up bonus. That makes you sound like an unprofitable customer (or even worse a “gamer”) and you are going to have an uphill battle to get approved once that happens.

But if you have a more legitimate reason for needing cards such as the need to segregate your expenses then Chase will likely be more onboard with your reasons for getting the card.

I suggest that you check out my article on the Chase reconsideration line and it will break down everything that you should say (and should not say) in a reconsideration phone call.

Lastly, if you have applied for a Chase business credit card then there will be additional questions that you need to be prepared for in the reconsideration call.

These reconsideration calls for business credit cards are usually more intense and can be a little bit more stressful to get through.

So I highly suggest that you check out my article on Chase business reconsideration calls —  it will walk you through everything you need to know to prepare for a business recon Phone call.

FAQ

How can I check my Chase credit card application status via phone?

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

Can I check my Chase credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase.

What does the 30 day message mean?

If you receive this message it most likely means that your application is being processed.

What does the two week message mean?

The two week message usually means you will be approved.

What does the 7 to 10 day message mean?

This message often means that you will be denied (but not always).

Final word

Checking your application status with Chase is a little tricky because of all of the different types of messages that you can receive when your application is not automatically approved. But, once you understand what each of these messages mean it is actually pretty easy to get a sense of what to expect when it comes to your approval.

UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Daniel Gillaspia

Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.

Related

Источник: https://www.uponarriving.com/chase-credit-card-application-status/

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Below is a listing of the card applications that we currently have on record for you. To review the status of an application, click the 'More Information' button.

To finalize your application, please agree to bank account verification.

For your security, we need to verify your bank account before we can make a final decision on your application.

Funding Bank Account – ••••

Please 'Start Verification Process' in order to continue with the application

By 'Start Verification Process', you authorize Credit One Bank to initiate a verification process by making two small deposits between $.01 and $.99. You will need to validate the two deposit amounts by visiting the Application Status page and entering the two deposit amounts. Once initiated, you may not cancel the verification process.

Bank Account Verification in progress

Keep an eye on your Inbox. You will receive an email in 1-5 business days when the two small deposits have been made. Once the deposits have been made, visit the Application Status page to complete the bank account verification. If this process is not completed within 30 full days from the date the deposits are made, we will be unable to approve your Secured Card application.

Bank Account Verified

Thank you for verifying your bank account. We will now start the process of funding your secured card account. Your card will be mailed to you once funding is complete.

How do I verify my bank account?

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Your application has been approved. When your card has been mailed, this page will show the mail date. Please check back for an update.

Your card was mailed to you on XX/XX/XXXX and you should receive it by XX/XX/XXXX. If you do not receive your card by the expected arrival date, please call Customer Service at 1-877-825-3242.

Our system indicates that the application was cancelled.

Unfortunately, we were unable to approve your application. If you did not agree to the Limited Electronic and Communication Agreement during your application process, you will receive a letter in the mail explaining the reason we were unable to approve your request.

Your application is being processed. Please check back for an update.

Please take a moment to complete the required field(s) below so that your application can be processed.

Thank you. Your missing information was successfully submitted. Your application is being processed. Please check back for an update.

Источник: https://www.creditonebank.com/application-status

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Источник: https://www.marriott.com/loyalty/earn/credit-card-rewards.mi

What to Do If You Get Rejected for a Chase Credit Card

Have you ever applied for a credit card online and didn't instantly get approved? The first thing you need to check is if you were rejected or if they're still making a decision by calling the reconsideration line. A lot of people who aren't automatically approved assume they've been rejected.

If you're not instantly approved for a card, call the automated status line immediately to check the status of your application. The number may change in the future. h/t Doctor of Credit for the most updated list of recon numbers. 

Reconsideration line phone number: 888-270-2127 

Once you make the call, they're going to give you a message. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. However, if the message says two weeks, this typically means you're approved. If it says 7-10 days, then it typically means you were rejected for the card.

Important note: these are based on phone messages and not email communication. 

If you have the 7-10 day message, this likely means you were rejected. You can either wait for a letter or immediately call the reconsideration line to see if they will approve you. Before calling the reconsideration line, there are two rules you need to be aware of:

1. Chase 5/24 - if you opened more than five credit card accounts within the past 24 months, you'll automatically be rejected. 
2. Chase 2/30 - if you have more than two applications within the past 30 days, Chase will not approve you. 

Reconsideration Line

When you call the reconsideration line, you're trying to convince the person on the other line to approve the application. You're usually speaking to a credit analyst, so be sure to call during business hours. These calls can vary drastically depending on what your credit profile looks like.

For example, my friend called the reconsideration line after applying for two Southwest credit cards on the same day and had to explain that they were aiming for Companion Pass. After explaining why they wanted the card, the analyst approved the card.

Again, depending on the specific reason the application is under review, your mileage may vary. 

Another scenario is that Chase typically issues a total credit limit equivalent to half of your income. You may have to reallocate or lower the credit limits on some cards to get approved for a new card.  

If you go through the reconsideration process and they still don't approve you, it might be worth hanging up and trying again a few hours or days later.

One other factor to consider is that if you are relatively new to credit, it's hard to get approved for travel cards like the Chase Sapphire Preferred or the Chase Sapphire Reserve. If you get rejected, the strategy would be to build a relationship with Chase by getting a Chase Freedom for 3-9 months before applying for a higher tier card.  

Источник: https://www.asksebby.com/blog/what-to-do-if-you-get-rejected-for-a-chase-credit-card

MARRIOTT BONVOY™ CREDIT CARDS

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  • Earn 6 points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program. 
  • Earn 4 points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • Earn 2 points on all other eligible purchases.

 

2 Free Night Awards

Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.

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Enjoy complimentary Silver Elite status with your Card.

Earn Marriott Bonvoy Gold Elite Status

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15 Elite Night Credits

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Источник: https://www.marriott.com/loyalty/earn/credit-card-rewards.mi

Enroll in Paperless Statements and Letters

To enroll in paperless for your account, start by reading the terms and conditions below. You are agreeing to receive your statements electronically only and some of your legal notices electronically only. If you do not wish to enroll, choose Cancel and deselect the Paperless Statements and Letters checkbox.

Enrollment in Credit Card Paperless Statements and E-Communications

We send cardholders various types of legal notices, including notices of increases or decreases in credit lines, privacy notices, account updates and statements. Currently, we can provide some of these legal notices, including statements, electronically. We are working towards being able to provide all of these legal notices electronically. When we are able to provide all legal notices electronically, we will notify you by email. In the meantime, if you choose to receive legal notices electronically, you will need to monitor both your U.S. postal mailbox and your email inbox for legal notices.

To receive your legal notices electronically, your computer must be capable of printing or storing email, web pages and documents in PDF format and your browser must meet minimum system requirements.

Minimum System Requirements

Your privacy and security are important to us. That is why we require you to use a browser with 128-bit security encryption to proceed with your application. This protection helps to ensure that the information you send and receive will remain confidential.

Getting Paper Copies

If you choose to receive legal notices and statements electronically and then want a paper notice, call us at the number on the back of your card and we will mail it to you.

Cancelling Paperless Statements and E-Communications

You may cancel through account online or by calling us at the number on the back of your card.

Updating Email Address

We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. It is your responsibility to update promptly any changes in this information. If your email address changes, please update it through Account Online or call us at the number on the back of your card.

Credit Card Paperless Statements and E-Communications Authorization

I agree to receive my billing statements and other legal notices electronically as available. I understand that when I receive an electronic notice it will replace a paper copy. I also understand that I will need to check both my U.S. postal mailbox and email inbox for legal notices until you let me know by email that all legal notices will be sent electronically.

You will receive paperless notifications at the email address currently associated with your account.

Источник: https://citiretailservices.citibankonline.com/RSnextgen/svc/launch/index.action?siteId=PLCN_BESTBUY

How to Apply for a Chase Credit Card

Chase is a popular card issuer that's behind some of the best credit cards we've seen. If this is your first time applying for a Chase credit card, you may be wondering how the application process works.

The application process isn't difficult, but it goes faster when you know what you're doing. Your account opening is also more likely to be a success if you know about Chase's usual rules for approving applicants. Here's exactly how to apply for a Chase credit card and how to make sure you pick the right new card.

What to know before applying for a Chase credit card

Before you think about applying for a Chase credit card, you need to know about Chase's 5/24 rule. Chase almost always denies applicants who have opened five or more credit cards within how can i check my chase credit card application status last 24 months.

Check how many credit cards you've opened in that timespan. If you won't pass the 5/24 rule, it's better to wait and apply later. This is one of the strictest application rules of any credit card company. The only known way to get around it is if you've been pre-approved for a Chase credit card.

Your credit score is also important. Most of Chase's credit cards are aimed at those who have a good credit score or better. If your FICO® Score isn't at least in the mid-600s, you may want to focus on improving it first.

How to apply for a Chase credit card

Applying for a Chase credit card is a quick process. You just need to follow these steps:

Click the apply option on the card page.

Note that if you already have a Chase account, the application process will be faster if you sign in first. If you do, Chase will fill out parts of the application with the information it already has for you.

Enter all the required information in the application form.

To get through the application process smoothly, you should have the following ready:

  • Personal information: Name, date of birth, Social Security number, and mother's maiden name
  • Contact information: Mailing address (you must use a physical address and not a PO Box), email address, and phone number
  • Financial information: Type of employment, annual gross income, whether you rent or own, and your monthly rent/mortgage payment

Check the box to accept the application terms and click "Submit."

Your application will then be processed.

What happens after applying for a Chase credit card

After you submit your application, Chase could instantly approve or deny it. Chase could also put your application under further review.

An instant approval is obviously the best-case scenario, how can i check my chase credit card application status we don't need to go over what to do there. Here's what to do for the two other responses to your Chase credit card application:

  • Denial: Chase will send you a letter explaining the reason for the denial. You can also call the Chase reconsideration line to ask why you were denied and see if the denial can be overturned. With the right approach and a little luck, a Chase representative may change the decision and approve your application.
  • Under review: Your application has not yet been approved or denied. Chase will send you a letter with its decision, but you can also call in to check your application status. You may want to wait three to five days to give Chase's system time how can i check my chase credit card application status potentially approve your application. If you end up with a denied application, you can follow the same procedure of calling and asking the representative to reconsider.

Selecting a Chase credit card

Chase has so many credit cards that it's wise to compare your options. The Chase Sapphire cards are popular among travelers because they're part of the Ultimate Rewards point program. Chase Ultimate Rewards points are extremely versatile, and you can how can i check my chase credit card application status them for travel bookings.

You can also choose from cards that earn cash back on purchases, cards with a 0% intro APR, and cards that don't charge an annual fee. If you're a business owner, there are also several business credit card options available through Chase.

Think about what type of rewards card you want, a travel credit card, cash back card or a Chase business card. To help you pick a card, here are recommendations on the best Chase credit cards for different financial goals:

Getting your Chase card

The right Chase credit card can be worth hundreds or even thousands of dollars in value every year. All you need to do is figure out which card will work best for you and check that you meet Chase's typical requirements. If so, you can apply for a Chase credit card and likely get approved.

Источник: https://www.fool.com/the-ascent/credit-cards/how-to-apply-for-chase-credit-card/

Are you trying to find out how to check your Chase credit card application status? Or did you receive a message stating that your application is “under review” and that you will hear back in 30 days, 7 to 10 days, or even two weeks?

This article will show you exactly how to check your Chase credit card application status in three easy ways.

And it will also show you what each of these capital one closing branches review” messages mean like the 30 day, 7-10 day, and 2 week messages and what you should do after you receive one of these.

I’ll also give you some much needed information that can help you overturn a denied application via the Chase reconsideration line.

Interested in finding out the top travel credit cards for this month?Click here to check them out! 

How to check your Chase credit card application status

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

If that doesn’t work, older numbers might work:

  • 1-800-432-3117 and 1800-436-7927 for personal cards
  • 1-800-453-9719 for Chase business cards. 

You should be prompted to input your social security number, and then you’ll simply wait to hear how can i check my chase credit card application status status of your credit card application.

Be aware that sometimes you might be taken directly to an agent. If you don’t want to talk to a live person then just hang up the phone and there should be no harm. However, if you do want to talk to them then you need to read more about Chase reconsideration (which I talk about below).

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Can I check my credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase — if you’re a new customer, you’ll just have to settle with calling the automated phone number above.

For a while, Chase didn’t have the ability for you to check your status online but now it’s very easy. I will break down the steps below.

Step one

Log-in to your Chase account.

Step two

Once you are logged in, click on the three bars on the top left side of the screen.

Step three

You will now see a side bar menu and there will be an option for you to select “Application status.” Look for the option at the bottom of the menu.

Once you click on that, you will be taken to the “My Applications” page and you should see all active applications there.

If you are still using the old Chase interface, follow the instructions below.

Log-in to your account and then go to the “Customer Center.” On the right side of the screen you should see a section called “Open a New Account” and underneath that a link you can click that says “Check my application(s) status.”

Click on that and you should be able to view your recent credit card applications which could include:

Secured message

Some people prefer to check their application status via a secured message. If you want to do this, then log-in and go to the “Contact Us” and click on “Send us a message” using the Secure Message Center.

This will be the slowest method to get your answer, though. So I would prefer to go with calling in or just checking online.

Chase application status for loans

Note that there are different phone numbers that you can call to check on the status of your applications for other loans like mortgages and auto loans.

These numbers can be found below.

Auto loan – Purchase New or Used Car1-866-804-6781
Auto loan – Refinance1-866-481-4254
Home equity1-888-e4CHASE (1-888-342-4273)
Mortgage1-866-524-9593

What does your Chase credit card application status mean?

Chase is known for sending out different types of messages when you apply for one of their credit cards and don’t get automatically approved. These messages can give you an indication on whether or not you can expect to be approved.

30 day message

One of the most common how can i check my chase credit card application status to get after you are not automatically approved for a Chase credit card is the 30 day message.

If you receive this message all it means is that your application is being processed.

Sometimes it means that the computers are just back-logged and for whatever reason can’t how can i check my chase credit card application status you out an automatic approval. Other times it means that your application will likely be reviewed by an actual person (manual review). 

At this point, you can just sit back and wait a few business days or usually at most a couple of weeks for Chase to get back to you. Or, you can be more proactive and you can consider calling into the reconsideration phone line but you may want to just hold off (more on that below).

Two week message

If the automatic status checker changes and tells you that you’ll be notified in two weeks, then you should be very happy because this message almost always means that you will be approved!

So I would recommend that you just be patient and await your approval email (assuming that it is coming) but you could also call in from time to time to check on it until you hear the official word.

Eventually, you will hopefully receive a message like the one below!

Chase reconsideration line tips

7 to 10 day message

If the automatic status checker changes and tells you that you’ll be notified in 7 to 10 days, I’ve got some bad news….

This message often means that you will be denied.

There are some situations where people receive the 7 to 10 day message and all they had to do was call in to verify some sort of personal information. For example, there could have been a discrepancy with the address they put on their credit card application versus the address that showed up on the credit report.

Or, Chase just might want to make sure that it was actually you who applied for the credit card. In that case, you might just have to answer a couple of easy security questions. For example, you might have to verify your old address or a car that you once owned. 

So if you receive this message there still is some hope that you might get approved but for the most part you should expect a rejection to come.

At this point, you may want to go ahead and call into the Chase reconsideration line at: 1-888-270-2127.

Chase credit card application rules

Chase has some very specific credit card application rules that you want to make sure that you are following.Two of the most popular rules are the 5/24 rule and 2/30 rule.

Hopefully, you already had an idea about these rules before you ever applied and you made sure that you were not violating any of these rules.

However, if you just applied and were not automatically approved then you should read up on these rules and you might be able to find out why you were not approved.

If you are in violation of these rules, you stand a very, very small chance of getting approved and you should probably just expect to be denied.

But, if you were not in violation of any of these rules, and you were not automatically approved then you should probably look into calling into Chase reconsideration.

The Chase reconsideration line is your opportunity to plead your case and try to convince Chase to approve your credit card applications and even overturn rejections.

The goal here is to show Chase that you had a legitimate need or desire to open up a new Chase card or multiple cards so that they will reverse their decision and approve you for a card.

The Chase reconsideration line phone number is 1-888-270-2127.

The Chase reconsideration hours of operation are usually:

  • 7am to 10pm EST Monday through Friday
  • 8am to 1 pm EST Saturday
  • 9am to 9pm EST on Sunday

How to handle a reconsideration call

There are some things that you don’t want to say in a phone call like this and then there are some things that you do want to say.

For example, you don’t want to tell Chase that the primary reason you are chasing a credit card is the amazing 50,000 point sign-up bonus. That makes you sound like an unprofitable customer (or even worse a “gamer”) and you are going to have an uphill battle to get approved once that happens.

But if you have a more legitimate reason for needing cards such as the need to segregate your expenses then Chase will likely be more onboard with your reasons for getting the card.

I suggest that you check out my article on the Chase reconsideration line and it will break down everything that you should say (and should not say) in a reconsideration phone call.

Lastly, if you have applied for a Chase business credit can i overdraft my capital one secured credit card how can i check my chase credit card application status there will be additional questions that you need to be prepared for in the reconsideration call.

These reconsideration calls for business credit cards are usually more intense and can be a little bit more stressful to get through.

So I highly suggest that you check out my article on Chase business reconsideration calls —  it will walk you through everything you need to know to prepare for a business recon Phone call.

FAQ

How can I check my Chase credit card application status via phone?

The automated phone number to check your Chase credit card application status is: 1-888-338-2586.

Can I check my Chase credit card application status online?

Yes, you can check your application status online but only if you have an account with Chase.

What does the 30 day message mean?

If you receive this message it most likely means that your application is being processed.

What does the two week message mean?

The two week message usually means you will be approved.

What does the 7 to 10 day message mean?

This message often means that you will be denied (but not always).

Final word

Checking your application status with Chase is a little tricky because of all of the different types of messages that you can receive when your application is not automatically approved. But, once you understand what each of these messages mean it is actually pretty easy to get a sense of what to expect when it comes to your approval.

UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Daniel Gillaspia

Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here.

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Источник: https://www.uponarriving.com/chase-credit-card-application-status/

What to Do If You Get Rejected for a Chase Credit Card

Have you ever applied for a credit card online and didn't instantly get approved? The first thing you need to check is if you were rejected or if they're still making a decision by calling the reconsideration line. A lot of people who aren't automatically approved assume they've been rejected.

If you're not instantly approved for a card, call the automated status line immediately to check the status of your application. The number may change in the future. h/t Doctor of Credit for the most updated list of recon numbers. 

Reconsideration line phone number: 888-270-2127 

Once you make the call, they're going to give you a message. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. However, if the message says two weeks, this typically means you're approved. If it says 7-10 days, then it typically means you were rejected for the card.

Important note: these are based on phone messages and not email communication. 

If you have the 7-10 day message, this likely means you were rejected. You can either wait for a letter or immediately call the reconsideration line to see if they will approve you. Before calling the reconsideration line, there are two rules you need to be aware of:

1. Chase 5/24 - if you opened more than five credit card accounts within the past 24 months, you'll automatically be rejected. 
2. Chase 2/30 - if you have more than two applications within the past 30 days, Chase will not approve you. 

Reconsideration Line

When you call the reconsideration line, you're trying to convince the person on the other line to approve the application. You're usually speaking to a credit analyst, so be sure to call during business hours. These calls can vary drastically depending on what your credit profile looks like.

For example, my friend called the reconsideration line after applying for two Southwest credit cards on the same day and had to explain that they were aiming for Companion Pass. After explaining why they wanted the card, the analyst approved the card.

Again, depending on the specific reason the application is under review, your mileage may vary. 

Another scenario is that Chase typically issues a total credit limit equivalent to half of your income. You may have to reallocate or lower the credit limits on some cards to get approved for a new card.  

If you go through the reconsideration process and they still don't approve you, it might be worth hanging up and trying again a few hours or days later.

One other factor to consider is that if you are relatively new to credit, it's hard to get approved for travel cards like the Chase Sapphire Preferred or the Chase Sapphire Reserve. If you get rejected, the strategy would be to build a relationship with Chase by getting a Chase Freedom for 3-9 months before applying for a higher tier card.  

Источник: https://www.asksebby.com/blog/what-to-do-if-you-get-rejected-for-a-chase-credit-card

Can Credit Card Companies Tell If You Lie on an Application?

As a child, you may have been berated with the famous words “Liar, liar, pants on fire!” when you (allegedly) told a little lie. As adults, we likely won’t be called out for fibbing by others who yell rhyming phrases at us. However, lying as an adult can carry serious consequences — like jail time and seven-figure fines. Here’s what happens if you lie on a credit application.

Why would you lie?

Many credit applications ask you for items such as your annual income, rent or mortgage payment, employment status and debt load. If you falsely inflate your income, decrease your rent/mortgage payment, claim to be employed when you aren’t or neglect to report your entire debt load, you may be approved for more credit.

» MORE:How to apply for a credit card so you’ll get approved

This may sound tempting, especially if you’re in financial straits, but it’s illegal. Lenders give you credit limits for a reason — statistically, this is the amount you’ll reasonably be able to make payments on in a timely manner. If you feel the need to lie on a credit application, it’s probably because the loan doesn’t fit into your budget.

What happens if you’re caught lying?

If you knowingly report any inaccurate data on a credit application, you’re committing fraud. Credit fraud can cost up to $1 million in fines and/or 30 years of imprisonment. This little white lie just turned into a whale. It’s not worth it.

Does your lender really verify income and debt information?

Lenders typically only notice large discrepancies in reported information. For example, if you claim $10,000 of income on your tax return and $90,000 of income on your credit application, you have a better chance of getting caught than if you claim $10,000 and $12,000, respectively.

Sound far-fetched? It isn’t. In 2006, David Gaylord reported $12,488 of income to the IRS and $90,000-$122,000 of income on multiple credit applications. Not surprisingly, he was convicted of bank loan application fraud. While he wasn’t fined $1 million or sentenced to 30 years in prison, he did have to pay a fine of almost $50,000 and was sentenced to time served and supervision upon release.

» MORE:25 ways to make money online, offline and at home

The future of credit application verification

In response to credit fraud, Mimi Chong — a Ph.D. student at Western University in London — has set out to catch liars on credit applications. Her paper titled Catching Liars: Big Data and Credit Card Fraud proposes a method to keep little white lies from costing banks big money.

Chong believes banks need to update their current systems, which only detect big lies and not small — but still potentially harmful — fibs. Banks can do this by hiring outside auditors and also training their employees to investigate the different application variables.

Lying on a credit application can be a costly mistake. Report your income, debt, employment status and housing costs correctly. Chances are, your lender won’t verify these items. But it has every right to, and, if it does, you could end up paying beaucoup bucks and/or spending time how can i check my chase credit card application status a concrete cell.

Find the best card for your credit

Check your score anytime, and NerdWallet will show you which credit cards make the most sense.

» MORE: Guide to maximizing your money

Growing nose image via Shutterstock

Источник: https://www.nerdwallet.com/article/credit-cards/credit-card-companies-lying-application

Below is a listing of the card applications that we currently have on record for you. To review the status of an application, click the 'More Information' button.

To finalize your application, please agree to bank account verification.

For your security, we need to verify your bank account before we can make a final decision on your application.

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Please 'Start Verification Process' in order to continue with the application

By 'Start Verification Process', you authorize Credit One Bank to initiate a verification process by making two small deposits between $.01 and $.99. You will need to validate the two deposit amounts by visiting the Application Status page and entering the two deposit amounts. Once initiated, you may not cancel the verification process.

Bank Account Verification in progress

Keep an eye on your Inbox. You will receive an email in 1-5 business days when the two small deposits have been made. Once the deposits have been made, visit the Application Status page to complete the bank account verification. If this process is not completed within 30 full days from the date the deposits are made, we will be unable to approve your Secured Card application.

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Источник: https://www.creditonebank.com/application-status
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