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Chase Recon #1: 1-888-270-2127 or 1-888-245-0625 (no longer in service) 1-800-527-7419[Mon-Fri 7:00AM-10:00PM Sat 8:00AM-5:00PM Sun 9:00AM-5:00PM ET]
Chase Recon #2: 1-888-609-7805 [Mon-Fri 8:00AM-5:00 PM ET]
Chase Business Recon #: 1-800-453-9719 [Mon-Fri 8:00AM-5:00PM ET]

Chase Fraud # 1: 1-877-470-9042  [Mon-Fri 8:00AM-8:00PM ET]
Chase Fraud # 2: 1-800-278-8830
(If you have a fraud alert on your account, recon will instantly transfer you here for verification, so you might as well call directly)

To fax in verification documents:
#1: 888-643-9624
#2: 888-643-9628
#3: 201-328-3289 (according to a rep from this dept, it's quicker than the other listed numbers)

Chase CS #: 1-800-432-3117

To know whether your application is pending or declined:
Call CS 1-888-338-2586 or 1-800-432-3117 and press # or 1. (If it's asking for your full 16 digits account number, it's 1. If it's asking for only your last 4 digits, it's #)
Press 3, then 1, then key in your SSN.
If you hear:
This application is being reviewed. You will be notified in writing of our decision, in approximately 2 weeks
It's pending.
If you hear:
This application is being reviewed. You will be notified in writing, within 7 to 10 business days, of our decision
It's been declined.

Business cards application status: call 800-453-9719.

7-10 day message on the business application line does not mean a denial.

No matter what the status of your app is or what the page said after you hit submit or what Chase emailed you, etc... CALL TODAY! Any "pending" issues can either be addressed once you get your letter in the mail in 2 weeks, or you can JUST CALL TODAY!
And if at first you don't succeed HUCA, HUCA, HUCA etc. If they tell you there's a max of 2 cards per 30 days, HUCA!
PS: If the reason you were declined on a 5/24 card is 5/24, and you are indeed 5/24, YOU WILL NOT GET APPROVED.



Author Topic: Chase Reconsideration  (Read 2374559 times)

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11660 on: January 15, 2018, 07:38:58 PM »


So, I (stupidly) applied for 3 Chase cards last month (I didn't realize at the time the Amazon Prime card was issued by Chase ::) ) and trying to recon now. On the automated check, robo-lady was giving me the "2 weeks" message for one of them, the other two give "7-10 days". I called today backdoor # to recon (very friendly rep) and now the robo-lady gives "7-10 days" for all 3 :-X

I have 3 other Chase cards with combined limits less than what I have with other issuers. I also just PIF all of my existing Chase cards last week. I think I am getting declined because I was 2/30 ... or maybe just because they saw the number of recent inqs that look like I was doing an AOR. I am only at 4/24 FWIW.

Anyway, I ended up PC-ing another Chase card to get one of the 3 I wanted. Can they cancel or withdraw that app? Does that help my case at all?

I plan on HUCA for the Amazon Prime card (I don't need "more" credit, I just want the 5% back) but I wanted to ask the experts here for any negotiating tips first. TIA.

They are all declined, so recon what you want most, (shouldn't be amazon card), if you have three cards you may be able to get an approval by transferring credit
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline possum

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Re: Chase Reconsideration
« Reply #11661 on: January 16, 2018, 11:14:48 AM »
Florida... welcome to ddf

Thanks!


They are all declined, so recon what you want most, (shouldn't be amazon card), if you have three cards you may be able to get an approval by transferring credit

"shouldn't be amazon card" - fair enough! Since I wanted it *just* for Amazon, I'll probably just go for the Synchrony store card instead.

The other card I app'd for is CSR, which I think will be a harder sell (Chase's scoring model put me at only 675  >:( ), and has too much overlap for me with AmEx Plat and Citi AA World Elite (Citi loves me for some reason). I'll keep HUCA and report back.

Offline possum

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Re: Chase Reconsideration
« Reply #11662 on: January 17, 2018, 02:14:30 PM »
I'll keep HUCA and report back.

So, I ultimately gave up. About 5x HUCA and went in branch also (branch banker and manager were not helpful, they just called backdoor# and handed me the phone).

They did not like my high util (0% BT offers) and recent inqs (on EQ at least, also Chase was one of the last ones I app'd this time). They also didn't like that I'd only been making minimum payments on my Chase cards (again, 0% offers).

Offline a good yeshiva bachur

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Re: Chase Reconsideration
« Reply #11663 on: January 18, 2018, 01:46:13 AM »
So, I ultimately gave up. About 5x HUCA and went in branch also (branch banker and manager were not helpful, they just called backdoor# and handed me the phone).

They did not like my high util (0% BT offers) and recent inqs (on EQ at least, also Chase was one of the last ones I app'd this time). They also didn't like that I'd only been making minimum payments on my Chase cards (again, 0% offers).
HUCA again! It works! I’ve done 10 times before getting approved!

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11664 on: January 18, 2018, 07:54:55 AM »
HUCA again! It works! I’ve done 10 times before getting approved!
Sometimes you can sense after 5 HUCAs that you aren't getting too far.
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch

Offline US

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Re: Chase Reconsideration
« Reply #11665 on: January 18, 2018, 04:23:33 PM »
Sometimes you can sense after 5 HUCAs that you aren't getting too far.
And i think i'm feeling this :'(,
They keep on telling me that i didn't establish enough history to get approved for a card with 5k CL,
my freedom currently only has CL of $1300, so shifting credit not really an option here,
any advice? any Hopes?

How about requesting CL increase!? i'm only scared that then they'll tell me we've just approved you for CL increase, will sound like i'm desperate for credit.
any advice appreciated.
TIA

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11666 on: January 18, 2018, 04:38:45 PM »
And i think i'm feeling this :'(,
They keep on telling me that i didn't establish enough history to get approved for a card with 5k CL,
my freedom currently only has CL of $1300, so shifting credit not really an option here,
any advice? any Hopes?

How about requesting CL increase!? i'm only scared that then they'll tell me we've just approved you for CL increase, will sound like i'm desperate for credit.
any advice appreciated.
TIA
Don't request an increase, it's a hard pull, maybe update your income and hope for an automatic increase, are you an AU on a card for longer? If you say you are responsible for it that can help
« Last Edit: January 18, 2018, 04:43:40 PM by davidrotts63 »
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Offline a good yeshiva bachur

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Re: Chase Reconsideration
« Reply #11667 on: January 18, 2018, 05:01:01 PM »
Sometimes you can sense after 5 HUCAs that you aren't getting too far.
Not true every rep is different I thought the same and proved my self wrong

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11668 on: January 18, 2018, 05:04:26 PM »
Not true every rep is different I thought the same and proved my self wrong
The see the notes of the last rep, and if one rep caught something that others may not all afterwards will see it, so as I said sometimes you can sense when it's like that, and whatever reason you were declined will keep coming back up.
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Offline shapsam

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Re: Chase Reconsideration
« Reply #11669 on: January 18, 2018, 05:47:23 PM »
The see the notes of the last rep, and if one rep caught something that others may not all afterwards will see it, so as I said sometimes you can sense when it's like that, and whatever reason you were declined will keep coming back up.
Not all reps go through all the notes.

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11670 on: January 18, 2018, 05:56:23 PM »
Not all reps go through all the notes.
IME, each call takes longer then the one before, and even if they read just the last one they'll usually have that reason.
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Offline US

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Re: Chase Reconsideration
« Reply #11671 on: January 18, 2018, 07:32:29 PM »
Don't request an increase, it's a hard pull, maybe update your income and hope for an automatic increase, are you an AU on a card for longer? If you say you are responsible for it that can help
I am AU on AMEX with CL of $12,000, didn't help.
I'm not really worried about another pull, it's just what they'll think about it, don't want them to say "hey you seem to be desperate for some money"...
« Last Edit: January 18, 2018, 07:43:12 PM by US »

Offline possum

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Re: Chase Reconsideration
« Reply #11672 on: January 18, 2018, 08:10:23 PM »
IME, each call takes longer then the one before, and even if they read just the last one they'll usually have that reason.

Yeah, I knew it was a long shot in my case anyway since I my util was high. The 5 calls I had also included 3 appeals to the customer resolution team, so at least 8 actual people looked at it and wouldn't budge. Maybe had I kept going I would have lucked out, but I really just wasn't feeling it!

Offline yhalps

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Re: Chase Reconsideration
« Reply #11673 on: January 19, 2018, 02:50:05 PM »
was on the phone with recon for biz ink for over 35 minutes, when they left off they said i can either call back within 24-48 hours or they will write to me within x biz days. any opinions?

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11674 on: January 19, 2018, 02:50:59 PM »
was on the phone with recon for biz ink for over 35 minutes, when they left off they said i can either call back within 24-48 hours or they will write to me within x biz days. any opinions?
What was x biz days? Did they resubmit it? Call the AS. See if the message changed.
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Offline yhalps

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Re: Chase Reconsideration
« Reply #11675 on: January 19, 2018, 02:52:32 PM »
What was x biz days? Did they resubmit it? Call the AS. See if the message changed.

AS didn't change, don't remember if they said 5-7 or 7-14

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11676 on: January 19, 2018, 02:53:11 PM »
AS didn't change, don't remember if they said 5-7 or 7-14
What does the AS say?
Did they say anything about resubmitting it?
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Offline yhalps

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Re: Chase Reconsideration
« Reply #11677 on: January 19, 2018, 02:55:14 PM »
What does the AS say?
notify in writing in approx 2 weeks, it was the same before i called recon

Offline davidrotts63

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Re: Chase Reconsideration
« Reply #11678 on: January 19, 2018, 02:59:41 PM »
notify in writing in approx 2 weeks, it was the same before i called recon
Did they reconsider it?
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Re: Chase Reconsideration
« Reply #11679 on: January 19, 2018, 03:06:12 PM »
she said they will do a further review and make a decision within the next 24 to 48 hours.