Everyone at one point gets denied or not automatically approved for a credit card. If this happened to you with Chase, here’s how to fix it by calling the Chase Reconsideration Line.
What’s The Chase Reconsideration Line?
Whenever you fill out a credit card application and hit submit, the banks have an algorithm that it goes through to check and see if it can approve you. Every bank is different and Chase’s has some of the most specific rules in the game.
Automation, of course, can have its flaws so the algorithm might see something in your application that can flag yours to be manually reviewed. If this review ends up a certain way you end up calling the Chase Reconsideration Line.
This might be why you’re here now.
The Chase Reconsideration Line Phone Number is 1-888-270-2127.
This is not a 24 hour service so make sure to call around business hours during the week. Also this is the number for personal cards only. The phone number for the business line is 1-800-453-9719. Business reconsideration is a lot more in depth so we won’t talk about that today.
When’s the Best Time to Call?
As of September 2019, there are really only three possible messages that could come up when you submit an application and don’t get automatically approved. I’m going to show you what those are and the tips to follow if you received that message.
Within the Next 30 Days
90% of the time, you will get this message immediately following an application that isn’t approved right away. This is kind of their message letting you know they are going to manually review your application.
This does not mean you were rejected and you actually shouldn’t call in to reconsideration line yet. Sometimes, calling in at this point just puts unnecessary eyes on your account that aren’t needed. Just move on to the next step.
Calling Chase’s Automated Application Status Line
This is the easiest way to check your application status over the course of these “30 days”. It’s unnecessary to call immediately after getting your 30 day message so wait a day at least before checking.
This process could take a day or it could take a couple weeks so don’t use up your unlimited minutes calling all the time to check your status.
Once you call, you’ll have to enter the necessary numbers to get to the status check option and then enter your social security number. This is how they check to see who they’re talking to and what credit card you are looking for.
Just like earlier, there are a couple different messages that could be automatically messaged back to you.
More 30 Days Messages
Just like before, all this means is that your application hasn’t had any decisions made for it yet. They either haven’t gotten to yours yet or they haven’t come to a decision. Just call back on another day and don’t worry about the Reconsideration Line for now.
If the message says that you’ll be notified in two weeks, this almost certainly means that your application has been approved! Congratulations!
7 - 10 Days
If you get his message, I’m sorry to say you’ve almost certainly been denied. This is when you would want to get ready to call the Chase Reconsideration Line but before you do let me give you some tips on what to say.
5/24 & 2/30 Rules
Before we call in, let’s make sure that we are following those specific rules for Chase I mentioned earlier.
Now this is mostly hard-coded into the algorithms and shouldn’t be the reason for your denial, but just to make sure, you want to check to make sure you are abiding by the 5/24 rule and the 2/30 rule.
The 5/24 rule means that you won’t get approved for any Chase card if you’ve added five new credit card accounts to your credit report within the last 24 months. This is total new credit cards, not just Chase credit cards.
The 2/30 rule means that Chase can only accept no more than two credit card applications in a 30 day period. This means if you apply for a card on the 4th and the 12th and get approved, but then apply again for another card on the 19th, you’ll get automatically denied for that third card.
These rules could shut down any chance at reconsideration so might as well get those out of the way early.
Tips to Get Approved
When your calling the Chase Reconsideration Line here are a couple tips that can help you out.
Keep in mind that 90% of these phone calls are probably people just yelling at them angrily, so just being courteous to them on the phone call can go a long way.
Give A Specific Reason for the Card
This is probably the thing I would recommend has the most potential to say when talking to the representative. These banks don’t want to just hand out credit cards for no reason but if you give them a reason, it’s more justified for them to approve you.
If you’re applying for a hotel or airline card, tell the representative that you want to start staying with them more and create a relationship.
If you are getting something like the Sapphire Preferred, tell them that the extra points in travel and dining would go a long way for you.
Even if you just say, I have a big purchase coming up and wanted to put it on this new card, I’ve found this even works for me in these situations.
Moving Credit from One Card to Another
One of the main reasons this manual review might happen in the first place is because you already have a specified amount of credit with Chase and they don’t want to justify giving you more.
It’s not officially stated anywhere but people speculate that you could only get around 50% of your income you put on your application in credit with Chase.
Sometimes the representative will tell you to do this and then they can approve you or sometimes you have to suggest it.
Hang Up and Call Again
If you go through these two things and the representative tells you that they can’t approve you, just say thank you for your time and try again later. Give it a couple hours or another day.
All these analysts have different thoughts and some might be more lenient and some might be more strict. Just keep in mind that these guys probably have some notes on the account saying that you called yesterday or whenever.
Just say that you wanted to see if there’s any other chance and then give your reasons again from above. It can’t hurt to try again.
To Wrap It Up
If you start signing up for more credit cards, you'll eventually get the dreaded review message.
The key is not to panic and just follow the steps I outlined in this post.
Have you ever got this message? Did you do the steps I stated here?
Let me know in the comments down below.
If you’re interested in learning everything about travel hacking, I have a post on the Ultimate Guide to Travel Hacking for 2019 that will surely help you out so be sure to check that out.
And if you know someone that would enjoy this resource on the Chase Reconsideration Line, please share it with them because it will probably help them out. Thank you!