If you are looking for the highest possible scores you need 3 credit cards and an installment loan. Thank you for the information. BofA Business recon for once had almost no wait today. [someone] (https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/) just did one for citi recentlyif you were a Chase reconsideration rep yes people would love an AMA. An algorithm not a human will decide whether you meet certain credit card application requirements. How do I get my username and password if I dont have my debit card yet? All Rights Reserved. For other inquiries about your credit card status, call the customer service or application status numbers. Chase Credit Card Reconsideration 1-888-270-2127 (personal cards) 1-800-453-9719 (business cards) American Express Credit Card Reconsideration 1-877-399-3083 (new customers) 1-866-314-0237 (existing customers) Capital One Credit Card Reconsideration Capital One doesn't have a dedicated reconsideration line. I recently applied for the chase freedom and was denied due bk. After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status. The person helped me get a credit limit increase. Business card status can be checked here. Never had a late payment, always paid in full. haha, I don't know man. what number are people calling for bofa business recon? This information may be different than what you see when you visit a financial institution, service provider or specific products site. That number still works for me. , your application is at the mercy of robots. I never did get an inquiry alert. You should call these numbers if you apply for a credit card and arent instantly approved. I told him it wasn't necessary, but if it was possible to have an answer going into the weekend I'd appreciate it. Recon Solution: Click to return to the main Recon Solution page. I called this number and waited for 2 hours but nobody picked up my call. Because they said the address on the card is for Names and date of birth Verifications. Might need some type of proof so people believe you but yes there would definitely be a lot of interest, did this ever happen, link would be appreciated. Honestly I would just leave it alone. You can call any time for an automated status check (option 1 then option 1). BofA is the only bank recon line that has ridiculous hold times every time. They will also not look into your application until youve received an e-mail for them on the status of your application. I called the reconsideration line today (the day after) and the rep placed me on hold and did the processing then and there, at which time I was immediately approved. I told him it should be only 2% give or take thinking . Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration. Chase wasn't burned and I'm 4 years out. Im afraid we are not able to assist with this as we are not Chase. Unless shaving $600 off your TCL would push you over a util threshold, closing the Cap1 secured shouldn't have an effect on your credit score. To check the status of personal credit cards using the automated system, call the status line phone number: 1-800-432-3117. You're entitled to one free report a year from each of the major credit bureaus. I would recommend you keep checking every day or every other day. almost guaranteed you're approvedthat "we'll let you know in 1-2 weeks" would change to approved on automated status line in a couple days if not less. I currently applied for the chase sapphire reserve, now I am in the pending status. 4,198,925 reviews on ConsumerAffairs are verified. Why do you want the Freedom? is the number below the best one to call its the same one i called last time. If the conversation isn't going as you'd hoped, you may have room to negotiate. I asked him if my current banking relationship was taken into consideration and he said it didnt matter, that a credit card was pretty much impossible with a BK reporting. This isn't always possible. The good news is, Customer Service (Personal): 800-432-3117, Customer Service (Business): 888-269-8690, Check Application Status (Personal): 888-338-2586, Check Application Status (Business): 800-453-9719. in that case, call back again, and get a different rep in the back door #'s. It could be due to something as simple as a small typo on your application. They can help you with whatever is reasonable. Ive only found a few mentions of my current status message when searching around. (800) 481-8277 Business Application Status Line, Barclaycard Credit Card I will give them a try on monday. I would call reconsideration. Ive had a line of credit for 13 years. Chase was great in telling me their reason for denial.BK and not listing auto denial reasons. You never know what Chase is going to do with your credit card application but it surely helps to know how to navigate through the post-application process. Before they called I checked the automated status line and it said they will get back to me after 2 weeks. This website uses cookies to improve your experience while you navigate through the website. Currently 4/24 before this card (though I have some store-only cards so I've had to plead my case before.). What card did you apply for? Wow, IT for Bank of America customer support service is really bad. If you have experienced something different please feel free to PM me or comment and I can make edits as needed if it makes sense to do so. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. Reconsideration is a way for denied credit card applicants to request further review of their application and potentially get their denial overturned. Thanks for all replies. EDIT: Thanks to whoever gilded me! Is that mean approval? Any DP on what this means, i offered to move credit from my one business account to the new one i applied for. I forgot to mention in my original post that my utilization during the app was 38% according to them. Cardholders who are part of Bank of America's Preferred Rewards program can earn even greater rewards of 25% to 75% more. Business cards fromCapital One,Discover, and some other banks. It will NOT be published. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. . Two months ago I downgraded my old Sapphire Preferred to a Freedom card in anticipation of applying for a new Sapphire Preferred to get the 100k sign up bonus. I got that message in my browser after applying, along with an email telling me I'd get a decision within 30 days. Chase: 888-245-0625 (Credit Analyst - Recons). According to most recent data points, you will not technically be below 5/24 until the first day of the 25th month after your fifth account was opened. Were reviewing your application and will send you our decision as soon as possible. This bonus value is an estimated valuation. Thanks for Applying. Open 8am Midnight everyday. Further information is available in our FICO Data Privacy Policy. Have you called for any sort of status update? Its free and will help you optimize your rewards and savings! Most blogs say if its 7-10 days, its a decline. Called the recon number and he said the real reason was due to my utilization was boarderline to high. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. 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. I'm just curious when to cancel the card and get my deposit back? They would call Lending Services but probably not be in a position to assist further. I've done a lot of lurking here over the years tho. This cookie is set by GDPR Cookie Consent plugin. Freeing up credit lines might increase the odds that Chase will auto-approve you since they already approved you in the past for that same amount of credit. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Still pre BK I had a great relationship with them. We use intelligent software that helps us maintain the integrity of reviews. If you receive this 30 day message, you should try calling in to the automated status line at: 800-432-3117. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. Press J to jump to the feed. Learn more. Check Your Status Online You can check your application status online if you are already a Chase customer. To get in touch with a person who can help, find the number for the bank's reconsideration line. Is there an automated/online method? For specific credit line questions, try the dedicated number. My wife received this letter the other day as well. Thanks for Applying. when he comes back he said in 1-2 weeks i should get a letter from them as he needs the application to have another set of eyes on it. This is yet another thing you absolutely should do before you apply for a Chase credit card. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. So from what I've read on these forums they never graduate you more than likely to an unsecured card and if they do it's random, And they give you a one-time courtesy credit line increase which they already have They doubled it. LatterManufacturer65 . We have received your request for a Chase credit card. Thank you. I already have two chase cards, the freedom and the slate. Per a conversation with a Chase CS supervisor this past Friday, Chase does not do a PC before the 1 year mark. At a certain point, youll just have to accept defeat if multiple calls dont work, though. Bottom Line: Opening too many cards in a short period is one reason you might not be immediately approved for a Chase credit card. If there is another bank youd like to see added, let us know in the comments below. Unless the BK is too recent for Chase, they may as well just tell you that then instead of the utilization line. That sucks since I had 0 revenue with no real business and was approved just by waiting it out. Economics. Your number to check the status is useless. Can I call to recon and ask them to convert the chase mastercard I have to a freedom? This information may be different than what you see when you visit a financial institution, service provider or specific products site. I applied online for a Chase Marriott card. You can also call the reconsideration line while your application is pending to help speed up the approval process. I called the business line number and they gave my ref # and a code to confirm who I was and said the card was approved on the 10/ 25/ 19. To return to the main recon Solution page to something as simple as a typo... Date ( ).getFullYear ( ) ) Fair Isaac Corporation most blogs say if its days. Telling me I 'd get a decision within 30 days ) 481-8277 business application status Online you can your. For once had almost no wait today youve received an e-mail for them on the card is Names... Past Friday, chase does not do a PC before the 1 year mark,... Are from credit card status, call the customer service or application status numbers point, youll just to... Would recommend you keep checking every day or every other day birth Verifications said address... 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