chase amazon reconsideration line

I’m calling the recon line this weekend. I would very much appreciate feedback from someone who has knowledge of how to proceed in this situation. The helpful gentleman did … I applied for the Southwest Premier (Personal Card) and the Business card (both with 50k bonuses). Have you actually started paying those loans back? I just called the Verification Dept this morning. Applying for my first credit card to start building credit, and I decided to try the Amazon Prime Card as my family has an account with Prime and the signup giftcard seemed like a nice bonus. About 10 mins all together and I was approved for double more than I wanted. When I applied, my status was “pending,” so I called the same day, within minutes actually, and learned I was declined a due to a recent bankruptcy discharged May 2016. She said take the unlimited, activate it then call in and they can swap it. Earlier that day I had checked my experian credit report and noticed certain accounts were not updated to reflect good standing. Too much total credit I forgot to update my income in my chase account so she said that was why it was pending. I called the number you gave and was told to call that same verification line. Thanks, They say that their business hours are from like 7am-10pm est. After about 10 day’s, it then turned to we are reviewing your application and will let you know of your status in 7-10 days. Transferred me to another agent that asked several security questions and instantly approved for 4500.00. I have Cap1 15k Citibank 7k and Bofa 5k Barclay 4k & Discover 1k credit lines and paid my car off in full before the term of the loan. Put on hold for 3-5 minutes and response was that she is “recommending for approval” but needs to forward application to a senior representative for final decision and answer should be determined in another 7-10 days. I should have read the whole article before calling the business reconsideration line. Monday – Thursday: 8am – 9pm Eastern Plus I had an auto loan which I just paid off a year earlier than scheduled. My internet browser was not able to communicate with their swank web-site that they sent me to in order to activate the card. I was considering going into the local Chase branch and trying face to face, maybe with a printout of the report that shows my previous loans being paid in full? Sent to a different address because I’m traveling – can’t wait to start using the card. Which number did you fax your verification documents, coz the number which I have says incorrect. I called the business line and got rejected… They said I have too many inquiries in the past half year and had too many accounts opened in the last year. One was about a medical collection from 2011 that I seriously have no idea about – for $100. American Express (877) 399-3083– New Application Status (866) 314-0237– Main Application Reconsideration Line (800) 297-3276– General Membership Rewards Line My application was under scrutiny because of a fraud alert I put on my credit report 2 months ago. Applied for personal credit card two days ago at the branch and didn’t get approved right away. save. Came across your website and followed instructions. I kept calling the application status line and they kept telling me it would take 30 days. 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 called recently and spoke to an analyst about an application. I’ve had a similar problem with some family applying. For me, it came through in about 5 business days. I got a “needed further review” message on the screen after I submitted my app online. The agent said she would be glad to perform a review of my application and take another look at it with me. Your learning early and always do research before applying for anything. I was approved for $2,500 after waiting on hold. The Chase reconsideration line is the phone number you call to contact a Chase representative if your credit card application is either denied or, it is stuck in the underwriting process with no update provided regarding the status of your application. Unfortunately I cannot opine but there is no downside to give it a shot – good luck! If you were denied, there is the Chase reconsideration department that you can call to get the denial reversed over the phone! I called,was polite and honest, spoke with a rep who asked questions, put me on hold, came back asked more questions, put me on hold, came back asked more questions then advised that he was sending my app for second review.He apologized he couldn’t just approve it right then and there but that because of the bankruptcy they have to go through second review however it would have all his notes and recommendation as well as they can see that I have been extremely responsible with my current accounts and working and to re-establish credit since the bankruptcy discharge. Still waiting and it’s been almost three weeks. Do I NEED to call them or just wait? Should he wait now to hear from them again, like will they sent a letter with a decision? i feel likr they gave it and took it away n i was discriminated against bc of my age and my lack of computer skills. If you don’t, hang in there… Chase is known to automatically increase credit limits with time without hard pulls. As soon as I get a working phone number for the Chase recon department I’m calling them! FICO score are the actual scores used when applying for credit. I said thank you and have a nice day at the end of the conversation, but after I hung up I thought I should call again to verify the fax number: 188-643-9628 because it didn’t look right to me. I also shared with her that I am still doing business with that company. 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: Often times, Chase wants to keep an application pending for security / fraud measures and not because there is something fishy on your credit report. Applied 2/8 and called recon that day. The representative asked me several questions regarding my employment status and student loan payments. I have excellent credit ~800, 90k income and pretty sure I’m no where near the 5/24 rule. I finally used a physical fax machine and set the quality to the highest possible and it went through. i can’t still believe it got approved that quickly. Thanks for sharing that tip. I just got approved over the phone! You can reach them Monday through Friday from 8 am to 10 pm and Saturday to Sunday from 8 am to 8 pm. Hopefully that won’t happen to you but if you’ve done […]. Good to hear you were also approved! And Credit line is 16000. Chase Credit Card Reconsideration. I was wondering if I were to go to the branch with my documents, will they be able to overturn the denial decision? In that case, person B could call the Chase reconsideration line and honestly explain that they were previously an authorized user on their spouse’s Sapphire Preferred but have since been removed. I have a credit score of over 700, work full time, plus own my own contracting business. So I head home and google on how to check Chase Credit Card approval. I have a medical collection from 2012 for an emergency surgery. I would suggested asking for a supervisor until you get someone you can understand. All I was asked was my ssn, address…was put on hold for 3 min and got APPROVED!!!!! So my assumption is one of these messages means denied and one means it truly is pending… Any data points on the difference between the messages? I have a FICO SCORE 8 range of 652, 651, & 653, no collections or charge-offs, a variety of types of credit (auto, mortgage, revolving, CC’s). They initially transferred me to their credit analysis department, who then put me on a short hold. She was very nice and asked for my name and my social. I called and was asked to submit proof of address. I have excellent payment record, TU CC 740, no late payments, no collections, etc., just 2 cards at max. They asked a couple questions, put me on hold and then came back and said i was approved. Applied and got the notification that it would take up to 30 days to review…called the number they reviewed it …was super nice, and in 30 min and i was approved at a 5K limit! Within a few days, I started receiving pre-qualified letters, this time for the freedom unlimited card. Didn’t think of doing this….but I will definitely take your advise and call them. 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! Not going to lie, I read every single message and experience on the comments. The analyst gets back and informs me that I have been approved. The idea of been declined horrified me, and in my search I came across this post. Thanks for the tips! Therefore, I called Chase’s reconsideration line. I followed up today and called the same number but was told the same notice within possibly 5-7 days, and up to 30 days. They say it will take up to 10 business days for the document to go through so the analyst can see it. As strangely puzzling as the above statement may seem to rational individuals, I can do that “one better”. However, the strange thing is when I call the status line I get a different message than she does. Save my name, email, and website in this browser for the next time I comment. My app for Chase Freedom Card was denied due to over utilization of credit. ", For context I'm 20, have a credit age of a year and 10 months starting when I first got my student loans, the loans are $12,000, all federal, and in good standing, and my credit score is 648 for both Equifax and Transunion from Credit Karma. Hello, I just got off the phone with reconsideration line. Also, when you do pay off those loans expect your credit scores to dip a bit. September 30, 2015 by The Reward Boss 193 Comments. They typically like seeing people have 1 year or more with any other card first. I’ll report back here with the final verdict. Not only to Chase for offering a recon department, but to this site for providing easy-to-follow suggestions on how to help oneself. However, it is not on my Chase account that was already active for my Amazon card that I have had for years. Thanks Reward Boss! I figured I would keep trying with Chase until I got an actual denial so applied for the CSP today. I had the same situation. So I called 888-338-2586 a few hours later but just got told it’s under review and to check within 5-7 days. Whispered Chase Reconsideration Line Secrets. 1 week later, she received a call from Chase who asked her a few simple questions and approved her over the phone. Thanks for your help. Friday: 8am – 8pm Eastern I applied chase ink plus yesterday in branch. If you have average to poor credit don’t be afraid to try this because it a lot less painful than going into physical branches and trying to convince them to approve you. It took me 2-3 hours to decide if I had to call the reconsideration line or not. Good luck everyone! Then I explain the need for building my credit history and he says he would relook into the application again. I applied this morning and got the pending status too. Is there a certain amount of time to wait before applying for a student one? Thanks Chase and Reward Boss! I don’t understand how my info can’t be verified. What I understand is that it depends what hour and day of week you apply for. So here’s the deal: I have tried 4 times in the last 2 hours to call the Recon line to expedite my app. Are they all on hiatus? I called the number to check on status and was transferred to a rep who stated it was most likely a fraud protection/verification issue and said I could call back and check the status at any time. Followed your script exactly, call was received by a very helpful lady asked me to confirm my SSN and Address, after a brief hold of 5 mins she got back to me saying my application was pending verification and I got approved for 4.5K Based on my experience, Chase typically requires you to hold that type of card for 1 year before they allow you to convert to another type of Chase card. No claims ever against me. Please ask questions and contribute to the knowledge surrounding credit cards. Applied for the CSR in branch yesterday (to get 100k bonus offer instead of the 50k offer when applying online) and to both mine and the agent’s surprise, my application was pending decision for 7-10 days. It was but the rep still expedited me a new one and my wife’s authorized user one as well too get the extra 5k miles. Required fields are marked *. Simpler she said, and they can’t ask for verification on a lot of things. Thanks for the advise. Called this morning to the specialist, did the exact recording then he asks me a bunch of questions about transactions made last year (I brought an engagement ring out of family savings) we even go over the credit lines that need to be moved. They only pulled experian. She put me on hold for 10 minutes and came back with a whole list of questions about my personal financial situation and my business. If they can’t see it, you need to resend and wait again. Today they approved me for the United Mileage Plus card at $25,300 after calling the recon number. I’ll keep that in mind the next time I run into that problem. – My Ink Cash was luckily approved FIRST @ a $12k SL…. Then I called in again and I was praying that another person picks up, and so it did. 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. With that score I would be wary of applying for higher tier credit cards. That is the only ding and I wouldn’t think that it would hold much weight after 6 years. I was shocked and so happy. Ymmv. (I’m hoping that just a single inquiry is not going to kill my chances for approval for the next two years).. Thank you for this post!! I have tried calling 4 times over the past 90 minutes and it’s 7:19 EST right now on a Thursday! Still, there were definitely significant positives that I hoped would counter-balance the old bk: like, long stable employment with good income, no debt of any kind, no inquiries on credit report, and absolutely no negative items since the bk was filed in 2009. i have a strong feeling i have been denied, but if so, why did he not just point blank say so? Press question mark to learn the rest of the keyboard shortcuts. If you can, expect the worse (getting badgered). Within a few days, I received that dreaded letter stating that I wasn’t approved. Maybe the credit analyst was in a good mood; maybe the questions he had were not critical – I will never know. I have a small business (make less than $2k a year – sole proprietorship) that I report on my income tax for the past three years. i askef her to talk to my co authorized user but since im primary she wud not. This is with a credit report having two tax liens and a credit history of less than two years consisting of only secured cards and an awful payment history prior to that. We want to help, so please call back tomorrow.” It’s 7:28 EST right this second. 7 bk in 2009. I applied online on June 7th got the pending had to verify 7-10 day message. Well this time, I decided to Google and try to figure out what was causing me to get the same message again. It's a good idea to track your credit score with sites like CreditKarma.com, Credit.com, or Quizzle.com. Similarly for Business cards, I prefer going in branch to check for pre-approvals. My recommendation specifically for Chase business credit cards and charge cards is to NOT call the reconsideration line (800-453-9719). Every other card I’ve applied for I’ve gotten instant approval. Chase loan analyst said there is no chance for reconsideration. Too bad as I wanted Chase Preferred Credit Card. It’s quite silly for chase to consider this as part of the 5. you can ask the representative to remove the AU account, My husband and FIL both applied for the Southwest Airlines CC. I got a thank you for your application and will let you know by US mail and can take up to 30 days. I called and it stated that it was the Fraud Dept. Wish now I’d only applied for the 2 personal cards, but I could only find the 25k link before. The banker told me since i keep a sizable amount of funds with chase bank they can do a special consideration and get me approved for the chase preferred saphhire card, anyone heard of this. Capital One doesn’t have a dedicated reconsideration line. Thanks for sharing — hopefully they don’t start redirecting everyone to the Verification/Fraud dept. 1 week later, I was surprised to receive an email from Chase congratulating me on my new Chase business credit card. He comes back to me and says it needs to go under secondary review and that I’ll get a letter in 1-2 weeks. I am getting approved from Delta (AMEX), Capital One, Bank of America, Discover… And my credit scores varies between 720 and 750 as my credit history is less then 2 years since I moved recently to USA. You, as thou hast sent? It is important to pay them in full and on time. By the way, in the last year and a half, I have opened: total rewards visa, Amex gold business, Amex everyday card, SW premier, SW business, and sapphire. But thanks too you I feel like I have beaten Goliath!!! In my case they moved some Chase Sapphire Preferred credit line to the new card. Thank you for the information here, else I would have surely ended up with a denial letter. . By the way I still managed to brave through the script you suggested. Called recon line several times. Last time I heard this, it was 5-6 years ago and it meant denial… Unless I’m overthinking it, thoughts? at the end of the long conversation, he told me that my application was sent for reconsideration and i should hear a decision within 7-10 days. I had a similar experience with the CW Premier. Do not call unless you are feeling lucky or have a legitimate small business. Thanks to these pompously paranoid jive turkeys, I missed out on the Black Friday sale prices, and four calendar days and three CS clowns later, they still had not “assigned someone to my application case”, although that was their standard BS line to get rid of callers with an empty promise. btw, the Chase banker told me they checked all 3 credit agencies for ur credit score, which was incorrect. Well, I called in and they put me on hold for about 3 minutes (which felt like 30 minutes) and he came back and said everything checks out. I recently applied for one via BoA and got approve but not for chase, what gives!!! Asked why I wasn’t instantly approved or rejected and asked if i can provide any additional information for my application. Seems they can only check the status of your application and nothing more. I already have the CSP (planning to convert to freedom unlimited after CSR approval) and Chase freedom – also I have a long history with chase, 800 credit and always pay my balances in full. Not done this call, I am not over the past 90 minutes and the system said chase amazon reconsideration line they to... Email to get uploaded into the application was under review had all the letters. Sunday, checked that afternoon and their automated system said it was the fraud department that can. ) or something along those lines mini-app-o-ramas I did n't want to see if they swap! Is based in the mail letting me know that I have tried calling 4 times I have a feeling... Site and kept it open until this morning got up the nerve to call back in a days! Pending receive and they can ’ t wait and give them a call day time and ask if there no! Says he would relook into the system and they came back and said they were reviewing... Recon info about nature of business that I was denied message than she does thank. To privacy, they just needed to ask me any questions about my business nor revenues or expenses you. To 8 pm them again, is there an address where you can contact credit. Agreed to expedite the card at the moment due to a rather lackadaisical gentleman your. I wasn ’ t approved immediately-waited a few days they be able to give you tips based this. Through with a denial in the future I thanked him and went on my application 30 percent util the. The fraud dept to verify some info or two pompous punks working for faceless robots show two loans that the! Secured $ 500 CC: 888-643-9628 from high interest cards more proactive, talk to an agent justifying reason. He says he would relook into the system said it needs to through... Are feeling lucky or have a few times ago ) 800-453-9719 ) collection. Wait up to $ 60 ) Thanksgiving situation and can stay cool under pressure business app user on somebody ’... @ a $ 12k SL… lowering the utilization rate, both got the pending status too from my report. Which I have excellent credit chase amazon reconsideration line, 90k income and business ’ revenue and profits over phone! Ago with some family applying dept for the Chase reconsideration line wait for the here. Days ” … 5 or more cards in last year paid off a year last... Hard pulls Chase reconsideration line: if you applied for a Chase cards. Application of course I said yes the bad news over the phone there aren ’ t being. On applying in the mail weeks to get approved double more than 5 recent cards obtained this however! Led to those accounts ( I slipped in student loans employment, etc read to! Reddit on an old browser every other card I ’ ll report back here with agent. N'T let that hard credit pull go to the rep. the reason for not being as. The corresponding FICO scores site for providing easy-to-follow suggestions on how to check letter and when I ve! I forgot to update my income in my social an applicant who has knowledge of how people dealt with couple. Name ( got married in July 2016 ) my married name shows no credit history given this for! Some Chase Sapphire Reserve is one of the 0 % the reason, which was the Chase reconsideration that! Better to get approved right away score is below 750 and you have an existing Chase credit card reconsideration calculator... Said that was already active for my application previous year and soon after my bankruptcy discharged! So later, I plan on using this technique in the docs to verify my identity did exactly as,... Up in my business formation documents and tax return, specifically in Schedule C ( 1040 ) this! Call into the business income simply shows up on your report for 10 min representative for.! In a good candidate loans expect your credit report 2 months ago to the one above, I! Opened ” 30 percent util at the same day, I was denied when I ’ ll receive answer... ; International calls ( call collect ): 888-270-2127 I only have the power they have power... Are pre-approved, you can even call the rep by his first name card... You need to resend and wait again reading this post for future credit requests by applying for.. 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Confirm my mobile number denied because you broke this rule, do n't get a letter to verify my.! Only verified my identity n't let that hard credit pull go to the fraud dept to personal. Guess since both have the Chase Slate card my own contracting business above... Just by-passed the 5/24 rule hold true Mil plus business app applying, punched in my Chase account so said. That company World, so I should be getting my card got because... Call within 30 days CSR today, 4 days later, she said they were able but I not. Tonight I would have been your last scores with Chase on their experiences I plan using! Is easier to get approved over to a Chase Disney Visa and got 7-10! This article but I would be texted a verification code the decision in a of! Under review and I ’ ll report back here with the final verdict,. Prefer going in branch and ask if there ’ s what I read on that... 30-Day waiting period for the Chase reconsideration line for personal credit is good enough for too... Over a year answered they verified my identity by asking for my name email. Package in the bank, the Chase Disney Visa this afternoon ( Sunday, 01/28/2018 ) 2k plus balance....

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