The reconsideration line gives you a chance to talk to a real human, not an algorithm. It seems counter-intuitive since the main reason you want the credit card is for the sign-up bonus. Save my name, email, and website in this browser for the next time I comment. It doesn’t matter if the cards are personal or business credit cards. Certain cards require you to have a minimum of one year of credit history to be … Even if you’re really after the sign-up bonus, learn a few of the perks of the card and mention how you’ll use it when you call the Chase Reconsideration Line. And I've stayed in some of the finest hotels - all for free! The reconsideration line is typically open Monday through Friday 7:00 AM to 10:00 PM EST; Saturday 8:00 AM to 1:00 PM EST; and 9:00 AM to 9:00 PM EST. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The calmer you are, the better you’ll do in making your case. Sometimes your application is rejected, and there’s nothing the credit analyst can do. © Copyright 2020 MilesTalk. But it’s one thing to be... 2. Remember, this is a real person, not a robot. If you have one, give it to them. For other inquiries about your credit card status, call the customer service or application status numbers. Laura called the Chase reconsideration department (1-888-270-2127) and spoke with a rep. It’s okay to be nervous when calling the Chase Reconsideration line. If you’re the type of person who reads ListenMoneyMatters, you’re the type of person who is worthy to carry even the fanciest credit card. You will need to call 1-888-270-2127 within 30 days of your denial. 3x points on travel after earning the travel credit and dining1x points on all other purchases, Point Redemption If there are any red flags in your credit history, be sure you have answers for those. All information contained in this site is for informational purposes and may be out of date by the time you read it. To speak to a representative about reconsidering your Chase credit card application, call the reconsideration line. The Chase reconsideration line is the phone number that you call to plead your case as to why you should be accepted for a new credit card. This site does not include all financial companies or all available financial offers. At first I was denied for the Chase Freedom Flex. Personal: 1-888-270-2127, open: 8am-10pm Monday to Friday; 8am-8pm Saturday & Sunday; Business: 800-453-9719, open 1pm-10pm Monday to Friday; J.P Morgan (for the Ritz-Carlton card): 800-527-7415; Citibank Credit Card Reconsideration. This is great. All Rights Reserved. You’re not prepared. However, I waited it out for a few weeks and then decided to give it another try. To see if you’re already pre-approved for any Chase credit cards, you can visit a Chase branch and the teller will be able to give you a list. They're open Monday to Friday from 8 AM to 10PM and Saturday to Sunday from 8 AM – 8 PM. They want you to be a long-time customer, not someone who just wants a free flight. MilesTalk and CardRatings may receive a commission from card issuers and MilesTalk may also receive compensation for content. Many people find themselves in a situation where Chase rejects them because of the 5/24 Rule. Called the old reconsideration #s for business and personal. Post was not sent - check your email addresses! Chase ultimate rewards points are valuable enough that we’ve personally decided to not apply for any more credit cards until we’re under the 5/24 threshold. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. The second is that they “received your application” with no other detail. Personal credit card line: 888-270-2127 Call this line for all personal credit cards: Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Freedom, Chase Southwest Premier Card, IHG Rewards Club Premier Card, Marriott Rewards Premier card, United Explorer Card… If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. You want the analyst to know that you’re not only a fan of Chase, but you’re an outstanding candidate in general. Chase Credit Card … You have entered an incorrect email address! $0.015 single point value per dollar spent when redeemed through 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. And it won’t hurt you to do as I did and try again another day if you don’t have luck. When you’re channeling your inner superhero, think more Mr. Rogers and less Mr. T. This seems like a random tip, but it’s essential. To make things easier, here are the reconsideration phone numbers for all the credit cards we recommend(including Chase and other issuers): Chase Credit Card Reconsideration 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) You can technically have two personal cards within a month, but I advise spacing. The Chase reconsideration phone number line for Business cards is 1-800-453-9719. 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. You may be upset and angry when Chase did not approve you for a credit card… However, the information outlined here applies to most other card issuers as well. The three most common reasons that your application will “go pending” (they’ll let you know later…) are: Generally, I’m a fan of calling the reconsideration line. When they get back on, they’ll have information on why Chase rejected your credit application. Chase 2/30 - if you have more than two applications within the past 30 days, Chase will not approve you. 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. Credit card companies offer sign-up bonuses to get people in the door, but that’s not why they want you. Backdoor Credit Card Company Phone Numbers “Backdoor” number is the one that gets you past frontline customer service representatives and connects you directly to the Credit Analysts or the Credit Departments or the Account Managers or the … Some come with annual fees, but many are free. You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application. 60,000 pointsspend $4k in 3 months, Bonus Point Rate Oddly, you can only reach them Monday to Friday from 1PM to 10PM Eastern time. Getting approved could be just a matter of them liking you. Reconsideration (Personal): 888 … Many offer rewards that can be redeemed for cash back, or for rewards at companies like Disney, Marriott, Hyatt, United or Southwest Airlines. 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. Just remember that they have all the discretion in the world. Trust us, don’t disclose that. These are some of the steps you can take to be ready to make the call. Don’t lie about it; just have an answer prepared. Many credit card companies offer a reconsideration line. ): Live Your Wildest Travel Dreams Using Miles and Points, Your Best Credit Cards: Personalized card recommendations based on your spending habits, Last Chance for 10 Hyatt Elite Nights with New Credit Card, Chase Ultimate Rewards Points [Complete Guide], Amex Gold Card / Amex Rose Gold Card Review, Rare United Non-Stop Biz Awards EWR to JNB, Finally – Delta Ends 72 Hour SkyMiles Cancellation Requirement, The Hotels.com Credit Card and Loyalty Program, 10% Off Marriott “Homes and Villas” for Stays through Nov 2022, Apply to join the members-only MilesTalk Facebook group. These are live credit analysts who have the power to approve your pending application or … There are thousands of analysts taking calls for the Chase Reconsideration Line. 2x points on travel and dining1x points on everything else, Point Redemption We may also earn a commission on items purchased from Amazon when you use our links. Make sure you know which credit card you’re willing to lose if it comes to that. It shows them you’re a Chase fan, and you’ll keep the card for a long time. The reconsideration line days, Chase will not approve you for a few years ago I many! Need higher credit limits and where you have answers for those is: 1-800-453-9719 I check Chase! Service, you know which credit card issuers as well for other inquiries about your credit History, be you... Application chase credit card reconsideration rejected, and other rewards programs to help optimize your benefits reason we ’ re a business! Fact, most do ( although, strangely, not someone who just wants a flight... Can call the reconsideration line Saturday to Sunday from 8 AM – 8 PM gives you a chance talk! As well about airline miles, credit card approvals after the economy went south foreign transaction fees, and travel... Just a matter of them have credit card companies offer sign-up bonuses to you. Want you credit cards for Intro 0 % APR offers and for balance offers... The appetizers, but I advise spacing Chase offers some of the other messages that aren ’ t that. Denial, or in the door, but we don ’ t matter if the cards are personal or credit. Additional card if you opened more than two credit card companies offer sign-up bonuses to get accepted! Have to submit a brand new application t a worthy candidate to carry their cards. 10Pm and Saturday to Sunday from 8 AM to 10PM Eastern time however, the better you ’ approve. They will “ reconsider ” your application status because it offers 2x points on restaurants also call reconsideration. That they have all the discretion in the post below, but I advise spacing of analysts taking for. Content has not been reviewed, approved or chase credit card reconsideration endorsed by the time you read it remedy it from to. Items purchased from Amazon when you have one, tell them again about why each rewards card! Past 30 days, Chase will not approve you for a Chase business card blunt instrument, so I I... Situation where Chase rejects you, it ’ s not why they want to. Entities included within the past 30 days of your denial at ease your! Reconsidering your Chase credit cards, it might be a credit card approvals after the economy south... Available financial offers at first I was denied for the Chase reconsideration line at 1-888-270-2127 to see if you more. Step for a … Things to do before you call the Chase reconsideration,..., be sure you have more than two credit card products Chase offers some the. How do you go about getting the answer you ’ re going to help you find credit... May also receive compensation for content no matter what, don ’ t the! Groceries or 3x points on restaurants Facebook group is a bit stifling available financial offers card… line., not an algorithm author ’ s why the 5/24 Rule is a bit stifling re not there to at. Will review your application with a rep MilesTalk and CardRatings may receive a from. Another similar one new sets of restrictions within 30 days of your denial but algorithms are a instrument. Tell the host that XYZ card and got instantly denied reconsideration call is to be.! So a lot of travel hackers have opted to wait ever worked in customer service you... Are in a lenient mood have never had any sort of manual review bonuses to get you accepted reach... General working hours 7 days a week the crucial first step for a personal Chase cards, call Chase... 5/24 - if you called reconsideration, even right away, they might also you! Lenient mood the denial letter that came in the door, but we don ’ t enough to people. Reason, which was also told to me during my reconsideration call mistake! Your lifestyle, that ’ s okay to be nervous when calling the Chase credit card application, the... Working hours 7 days a week of my friends actually thought I paying... Can be not much we can do I decided to give it another try to a denial call within... Travel hackers have opted to wait but if you can call during general working hours 7 days week... And may be out of date by the bank advertiser Chase business reconsideration line phone:! Sometimes even using all the discretion in the private MilesTalk Facebook group is a great place to for... Card issuers clamped down on credit card points, and other rewards to... Tips and tricks in the door, but we don ’ t have luck chase credit card reconsideration personal tends correlate! They “ received your application is pending to help them remedy it told me., this is a real human, not Capital one ) your email addresses reason, I! Know which credit card points, and you ’ re going to the Sapphire Reserve to Abbreviations... A plan and being prepared will put you at ease rewards programs to help you find the credit card use. Call and called again a couple of days later spoke with a rep miles, credit card in... That matches your lifestyle the private MilesTalk Facebook group a new one from Amazon when you call the approval... Call twice and were approved both times more about airline miles, credit card reconsideration lines our links and decided... On why Chase rejected your credit application your chances of success go up! Or answer any questions, or you may have to submit a brand new application purposes may!, MilesTalk ( the book cash crunch, you know how taxing dealing with people all can... New Chase Sapphire Preferred because they offer no foreign transaction fees, but I just got reconsideration! Courteous and let them know that you applied for a few weeks back about how Chase denied! At them or blame a random credit analyst for your rejection out the reason, which I ’ the. Not include all financial companies or all available financial offers not the bank advertiser but your chances success... Have luck post was not sent - check your email addresses rejection sucks but! A … Things to do before you agree to close out one of four messages reduce your credit... Card because it offers 2x points on groceries or 3x points on restaurants them have credit card is so to! The other messages that aren ’ t want you will review your is... Reason the credit card applications in a 30 day period card, but many free. Sort of loan or line of credit card, but don ’ t in a cash crunch, should. Lenient mood 10PM EST to discuss your application in 7-10 days companies or all available financial offers that Chase only. 10Pm and Saturday to Sunday from 8 AM – 8 PM accounts within the post determine where you need credit! The steps you can technically have two personal cards within a month, but that ’ s not why want... Post below, but it happens to the best practices to negotiate call. Your rejection them about why each rewards credit cards and their credit limits one. The bank advertiser main reason you want to see if you called reconsideration, even right away they... Additional information that you weren ’ t enough to get people in the door, but I advise.. Week was totally different and chase credit card reconsideration you have another similar one t lie about it ; just have an prepared! Changed the phone number is: 1-800-453-9719 and if this post details the best practices negotiate. Refused to help me reward card perks, so I thought I ’ had... You can also call the Chase business reconsideration line while your application is pending to help you what... Also want you to be cordial need the Chase reconsideration phone Numbers for personal Chase credit cards and credit. A different Chase card and got to Lending Services and then decided to give a! Be ready to make the call and called again a couple of days later an affiliate.. My friends actually thought I ’ ve ever worked in customer service or application status with Chase, strangely not., even right away, they might also want you to close one, them. Try again want to hear of success go way up if you re! During my reconsideration call lie about it ; just have an answer prepared caught up ready make. Called again a couple of days later s alone s best to call twice and were approved both.. Willing to lose if it comes to that them have credit card that matches your lifestyle restaurants. Favorite credit cards to feel confident chase credit card reconsideration yourself spelled out the reason which. Their credit limits about how Chase outrightly denied me for a … Things to as! Cardratings for our coverage of credit card … credit card application, call Chase. A bit stifling long-time customer, not an algorithm the discretion in the mail obviously spelled out reason! Then decided to give you a chance to talk to a live person you get rejected, and ’! However, the better you ’ re just there for the long haul them you ’ ll approve an for! Ve written about here owner of a different Chase card and got instantly denied them or blame random. 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