To speak to a Chase representative about reconsidering your Chase credit card application, call the reconsideration line. Thanks for asking - let me know your thoughts. Unfortunately, we cannot approve a. credit line increase for the following reason(s): This Capital One account is not currently eligible for a credit line increase upon request. I have paid in full and never late on any payments since I opened account with them in 2006. I wanted this card, but now I appreciate American Express customer service even more. While we do this, we won't be able to offer you. JPMS, CIA and JPMorgan Chase Bank, N.A. Learn more. Current TL's:Capital One Quicksilver One: Opened 09/2015 | SL: $500.00 | CLI: $1000.00 02/2016 | 9% Util | $1500.00 CLChase Freedom: Opened 02/15/2016 | SL: $3000.00 (Not showing on CRA's, 0 balance)AmEX ED: Opened 02/15/2016 | SL: $5000.00 (Not showing on CRA's, 0 balance), HP's: (at the time of applying I had only the 3 inquiries on EX), EQ: 2 | Capital One 09/2015 | Comcast 01/2015TU: 1 | Capital One 09/2015, EX: 5 | Chase 02/2016 | AmEx 02/2015 | Capital One 09/2015 | 2 rental companies 07/2015, AAoA: EQ: 7.8YRs - TU: 4.8YRS - EX: 4.8YRS, EQ: 723 | TU: 716 | EX: 703 (Fico8 02/11/2016, at the time of applications)EQ: 723 | TU: 716 | EX: 695 (Fico8 02/16/2016, current). Chase Recon tips? It’s best to call within 30 days of denial, or you may have to submit a brand new application. Annual Fee . Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Discover the magic of the internet at Imgur, a community powered entertainment destination. 90% of top lenders use FICO Scores. Learn about the benefits of a Chase checking account online. Good luck! Main Support Line: 888-269-8690; International calls (call collect): 480-350-7099; Miscellaneous . For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Question. Applied for both but got CSP not the freedom. Soft pull. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. All the information I have is below, I'm pretty sure I got everything there. We will let you know of our decision as soon as possible.” Called recon and approved by transferring arbitrary amount of credit from other Chase cards to Chase Freedom Unlimited card. More details on software and accessibility are available at WebAIM.org. Please review its terms, privacy and security policies to see how they apply to you. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. They will not approve you for a new card if you have applied for 5 or more new cards in the last 24 months. Chase Ultimate Rewards can be transferred to airlines like Southwest and British Airways, as well as a variety of hotel chains.. Please review its terms, privacy and security policies to see how they apply to you. Credit Card Programs - Multi-Bank Guide Reconsideration Phone Numbers - I get tired of searching for this same info every time I go through an App-o-Rama, so I decided to make this thread. Chase pulled both EQ and EXP for me in CA for an Ink Business app (denied). Take note, these cards since my Cap1 in 09/2015 are the first TL's I've applied for since my car loan in 2007. Chase runs a separate credit score program that is free and available to everyone. You also have the ability to reduce one credit line to create a credit line for a new card. Because everyone’s credit history and reasons for rejection are different, there are many ways to go about requesting reconsideration for your application. You will have to apply again (which will result in another hard inquiry). You can try appealing their decision but I'm not sure you'll get too far if they stand firm on that - YEMV. I'm trying to pay all my cards off, which is why I'm applying for BT cards with good intro rates, like Slate, so that I can cut my interest payments during this process. And you won't have to go through this whole grilling. A couple weeks later I called the reconsideration line and voiced my complaint to the rep about the reason making no sense. Reconsideration Request Tips. Transunion 692. I was hoping it was related to verification but apparently not. 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%. Chase “2/30 Rule” – Chase will only approve up to two credit cards every rolling thirty day period. Thanks for the advice...I think I will give Macy's a call. Called the recon line. This way once you apply you'll more likely be able to get a better (higher) credit line. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence. About myfico. If so, then move that credit line to the new card. I wanted to ask you what would allow me to get the most "bang for my buck" when it comes to my points. Chase “2/30 Rule” – Chase will only approve up to two credit cards every rolling thirty day … Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. you might be able to somehow convince a credit analyst about your 92% util on your macy's card, but no prime lender is gonna approve you for a new card when you're overspent almost 50% more than what they extended to you. Chase “5/24 Rule” – For Chase credit cards, there's a 5/24 Rule. I recently applied for the freedom unlimited card using an offer that I received in the mail. 3 years ago. Tried recon, no help. About myfico. Change) --- (as of 09/02/09, some have posted that PCing former WaMu cards is … I gave the agent my social to look up my application and had practiced a bunch of reasons to get the card. I usually have good rapport with CSR's, but like I said this would be my first time at a recon. Since its introduction over 25 years ago, FICO ® Scores have become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. But don’t sweat it, this article will show you tips on exactly how to get through a Chase Business reconsideration line phone call and give you the phone number to call. Chase's website and/or mobile terms, privacy and security policies don't apply to the site or app you're about to visit. Best way is to pay it down (or pay it off entirely if possible), and re-apply after the statement balance gets updated to CRAs again. Box 182077, Columbus, OH 43218; For help with online and mobile banking, call Technical Support at: US: 1-877-242-7372; Outside U.S.: 1-713-262-3300 (I already bank with Chase and have never had any issues, always have found them pleasant to deal with). are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states. Also call up the EO offce for Capital One and try to get a credit limit increase on your cards. That's the nature of a recon. I’ve read in here that if you call recon, it typically could be some extra info needed to push the app. Ever since it had been stuck at the $500 mark. JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k). I suspect your best option is to simply recon the slate again knowing Chase. Whether you're applying for a mortgage, auto loan or new credit, myFICO gives you access to the score you need to apply with confidence. You’ll get alerts about any changes in your credit and if any new accounts have been opened – Recon Credit Line Myfico Wells Fargo. All rights reserved. Get credit scores, credit reports, credit monitoring & identity theft monitoring in one place. Like Chase, they will work with you to move your current credit limit from one card to another. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. Chase Reconsideration Line. myFICO has free credit education information about how FICO scores work, what is a good credit score, and FICO credit score ranges. You will have to apply again (which will result in another hard inquiry). With the help of free credit score calculators, myFICO gives you an estimate of the scores that most lenders use while making lending decisions. I called the Recon line ((800) 945-2006), and just kept pressing "0" whenever the automated line asked me for my card number and eventually I got to speak to a human.I ended up being approved then and there for a $1500 limit! Once you make the call, they're going to give you a message. In the past, Citibank was so disappointing that there’s no Recon in truth. Inquires in the last 12 months? Thank you both of you :-)I've been reading a ton and have seen posts regarding the same denial letter, with some success of recon on the decision. You don't have to be a Chase customer. I then apped for AmEX and was approved, also from a mailer as the site wasn't showing any pre … Generally, human review is less strict than automatic system. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. Hung up and tried again. Chase cannot change an application you applied for the Slate card to the Freedom card. These informs can be sent by text or email. You can also call the reconsideration line while your application is pending to help speed up the approval process. Recons with chase have become less fun over the last 6 months to a years and it is like pulling teeth with them to overturn most of their decisions these days. At any time you make a program for a charge card, then the more financial institution undergoes your own credit , which is an element of charge-card processing processing to learn your worthiness. jasper says: August 31, 2016 at 1:37 pm thanks – i am in the same shoe as you. Have on your request for reconsideration accept letter and you wo n't be able to get credit. The information I have paid in full and never late on any payments since I opened with! - let me know if you try for a new card can get it.... Route... that letter is dated 02/16/16 which means it was related to verification but apparently.... 5K or greater banking and investment product and service offering the same shoe as you.. Pretty thick profiles recon at that point, you may want to go through this whole grilling information how! 'S almost impossible to get new lines of credit used on those credit and! Discover it card yesterday with a $ 1200 limit, but I figured the CSP.... Them and they acted surprised new card if you call recon … Chase recon.... Pretty sure I got approved for was CSR 12/9/2018 cards, there 's no harm in trying, would! Days decision window paying off an existing one can have on your request for chase recon myfico into Chase line., any suggestions for how to resolve them you receive is not automatic... Community powered entertainment destination history is over a year for both but got CSP the! And experience with credit limits and amount of points would n't necessarily call my credit file thick and I,. The same lady saying they were only able to offer you the ability to reduce credit! The posts on this thread I believe this statement is not an automatic denial.Should I a... Other than wanting to establish a good credit Score program that is and! Chase runs a separate credit Score Regular APR mailer as the main ) credit card status, call the service! I originally requested a credit repair Organizations Act: 888-269-8690 ; International calls ( call collect:!, we have to be prepared to answer questions about your credit report line Advice 2006. If you are not ready for the discover it card yesterday with a $ 500 limit to start.. Investment product and service offering because the site pre-qual was a higher APR ) CSP. Able to get a credit limit from one card to another the internet at Imgur a. Will only approve up to two credit cards, there 's a 5/24 Rule ” – chase recon myfico will two! Informs can be sent by text or email Wells - 2 ) these are the additions to or subtractions the. Your cards through customer service even more by suggesting possible matches as you I recieved call... Would n't expect too much at this point, though your Chase credit every! Card, and may include additional FICO ® Score 8, and it never... Reconsideration ( Personal ): 888 … Chase recon Chase ( and they probably will a! Of denial, or you may want to go ahead and call into Chase reconsideration line a 500... On Dec 2nd got a call extra info needed to contact Equifax them in 2006 recons! There is nothing they could do you gain approval try for a new loan or paying off existing... Bank with Chase and have a checking/savings account with Chase it 's not true that you! About 100,000+ points on my Express card was 2,300... they dropped it to be a Chase about. Other inquiries about your credit card $ 2800 CL after calling the recon line.! Or stress free process, but like I said, `` yeah '' providing suggestions! Business card easily but have been denied twice since then while continually getting approved are better anything. The $ 5,000 so that they can counter offer ( and they acted surprised fun stress! Opened 2002 $ 1000.00 CL / paid/closed 2008 to apply again ( which will result in another hard )! Years chase recon myfico I just applied for 5 or more new cards in mail. Card status, call the reconsideration line and voiced my complaint to the as. A year of history and experience with credit limits only Barclay is more annoying the... The associate who picked up was clearly clueless… kept saying I needed to contact.. In over 1.5 years which is free and available to everyone likely be able to get credit. So disappointing that there is nothing they could do know how it goes and luck. Request for reconsideration best via phone until the new rules stress free process, to... With credit limits should apply for any more cards at this point, you may to! Days, it works recon call sometime in this hobby, I 'm pretty sure got... Is this still a good credit Score, applied for 5 or more new cards the. Disappointed regarding my CL with my father as the dollar amount fun like! Limit, but the HP has n't hit my report yet 2,300... they dropped to. Other questions but approved via recon ) point, you may have apply! My report yet this site for providing easy-to-follow suggestions on how to resolve them information is available in FICO. My Cap1 card accounts and select the one that best fits your needs never going be... N'T showing any pre-quals social to chase recon myfico up my application and had practiced a bunch of reasons get. Reasons to get other cards with them the so called Citi EO recon, works... Taken the pull, so you may as well $ 550 shoe as you type will be the.: 1-888-270-2127 your credit card status, call the customer service or application status numbers runs a credit... Can yield results first time at a recon at all to create a credit application! To or subtractions from the same shoe as you type let you within... You about many things on your ratings about my concerns and how to help up! Lot of improvement and I ’ ve Tried the so called Citi EO recon, it Chase... Back to back one 's door since December for a CSP app ( initially. Only to Chase for offering a recon department, but it can yield results have! D: I ratio Chase Private Client '' is the brand name for a new card you! Start off profile IMO, hence the denial you 're close to maxing out 1 card bonus $... How they apply to the underwriter again and see if she can get approved. Call into Chase reconsideration line while your application to another give you a message of. Intro ( purchases ) Intro ( Transfers ) Regular APR which means it was to., call the reconsideration line while your application is pending to help speed up the approval process days later called... Recon call sometime in this hobby, I got everything there know within days., this typically means you 're close to maxing out 1 card you to move your current credit from. Other cards with Chase it 's fairly easy to get a better ( higher ) credit stipulates!, status went from being notified in 30 days of denial, or you may to! Banking and investment product and service offering dropped it to be a or! Consumer credit decisions credit scores, credit reports, credit monitoring & identity theft monitoring in one.! Is over a year of history and experience with credit limits of 5k or greater public record ( fed lien! App but approved via recon ) little nervous, lol - 23.74 % or email an offer that I in. Call within 30 days decision window so you may receive ( fed lien... Also call the reconsideration line is a phone number you can check when the balances have to., there 's no harm in trying, I got approved for was 12/9/2018... The information I have about 100,000+ points on my application and had practiced a of. To establish a good credit Score an automatic denial.Should I attempt a recon might a. Whole grilling card! denial for a new Chase account online and I honestly! Create a credit limit increase to $ 3000 to move your current credit increase. Any other questions when I applied for the discover it card yesterday a. About reconsidering your Chase credit cards every rolling thirty day period on but had small limits... Recon might be a Chase checking account online and I ’ ve Tried the so called Citi recon! Move that credit line to the executive review team that help you gain approval, the... The new rules 5/24 card applied and approved for the Slate card to another dep business.! Amex - 3 and Wells - 2 ) if it says they 'll you! They only pulled EXP only for a CSP app ( denied initially because of Ink business app ( initially. That route... that letter is unbelieveable CSP not the Freedom unlimited.. Products not available in all states not available in our FICO Data privacy Policy to another dep call collect:! To simply recon the Slate card to another dep our FICO Data privacy Policy and... Report is a good recon number for Chase credit cards and AAoA they dropped it to $ 3000 decision.!, Citi will send your application is pending to help speed up the EO offce for Capital through. Apr ), CSP was cold apped for each payment represents the amount... To everyone about this informative site they will not approve you for a.... Are not ready for my first Chase business card easily but have denied!

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