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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 2416419 times)

Offline Boruch999

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Re: Chase Reconsideration
« Reply #6480 on: October 20, 2014, 04:02:37 PM »
I froze my EX to apply for the Ink Plus 70k. (My EX is around 700 with lots of pulls. My TU is 752 and less pulls.)  Recon says the only way they can look at the app is if I unfreeze EX. They say the cannot pull another bureau.   Any ideas?

Bump

Offline Yitzshpitz

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Re: Chase Reconsideration
« Reply #6481 on: October 20, 2014, 05:58:12 PM »
Everytime I call Chase they keep referencing my previous calls and are giving me the same answer that I have gotten 2 cards in last 6 months and my credit history with Chase is not long enough. What do I do? I dont want an empty pull.

Offline TimT

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Re: Chase Reconsideration
« Reply #6482 on: October 20, 2014, 06:01:28 PM »
Everytime I call Chase they keep referencing my previous calls and are giving me the same answer that I have gotten 2 cards in last 6 months and my credit history with Chase is not long enough. What do I do? I dont want an empty pull.
This is standard. Lots of people get that answer. Read upthread a little. Did you apply for anything else at the same time ?

Offline Yitzshpitz

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Re: Chase Reconsideration
« Reply #6483 on: October 20, 2014, 06:09:13 PM »
This is standard. Lots of people get that answer. Read upthread a little. Did you apply for anything else at the same time ?
Yes. Also applied for a chase sapphire (not preferred) and that one is pending. Is a diff rep going to give me a diff answer?

Offline TimT

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Re: Chase Reconsideration
« Reply #6484 on: October 20, 2014, 06:11:48 PM »
Yes. Also applied for a chase sapphire (not preferred) and that one is pending. Is a diff rep going to give me a diff answer?
One way to find out. But call about each card separately.

Offline Yitzshpitz

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Re: Chase Reconsideration
« Reply #6485 on: October 20, 2014, 06:31:40 PM »
One way to find out. But call about each card separately.
Will it be any easier once I am formally denied in the mail (they told me via phone i am rejected) to then get reconsideration or is there no difference? Thanks for your replies.

Offline TimT

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Re: Chase Reconsideration
« Reply #6486 on: October 20, 2014, 06:33:29 PM »
Will it be any easier once I am formally denied in the mail (they told me via phone i am rejected) to then get reconsideration or is there no difference? Thanks for your replies.
No difference.

Offline Yitzshpitz

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Re: Chase Reconsideration
« Reply #6487 on: October 20, 2014, 06:56:43 PM »
Ok I got the sapphire, now I need to work on the Ink! I guess just keep on calling (that seems to be what everyone says on this thread)

Offline clear thinker

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Re: Chase Reconsideration
« Reply #6488 on: October 20, 2014, 07:06:49 PM »
Ok I got the sapphire, now I need to work on the Ink! I guess just keep on calling (that seems to be what everyone says on this thread)
Good luck!
Try finding an excuse why ur calling back ie the previous rep didn't really wanna reconsider & said right away no.

Offline TimT

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Re: Chase Reconsideration
« Reply #6489 on: October 20, 2014, 07:10:40 PM »
Ok I got the sapphire, now I need to work on the Ink! I guess just keep on calling (that seems to be what everyone says on this thread)
Start talking before they put you on hold.

Offline Yitzshpitz

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Re: Chase Reconsideration
« Reply #6490 on: October 20, 2014, 07:20:17 PM »
Ok I will try these ideas. Thanks!

Offline DoGo

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Re: Chase Reconsideration
« Reply #6491 on: October 20, 2014, 07:35:47 PM »
Start talking before they put you on hold.
At that point they seem like they want to help, but then they put on hold and give the too many cards in the past 1.5 years excuse..
(ps I got approved for the United but not Ink, even though I had asked for the opposite... Then on 2nd phone call she offered to cancel the United for the Ink, so I said go ahead.. but she came back saying she won't be able to approve the Ink due to too many cards...)

Offline TimT

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Re: Chase Reconsideration
« Reply #6492 on: October 20, 2014, 07:40:13 PM »
At that point they seem like they want to help, but then they put on hold and give the too many cards in the past 1.5 years excuse..
(ps I got approved for the United but not Ink, even though I had asked for the opposite... Then on 2nd phone call she offered to cancel the United for the Ink, so I said go ahead.. but she came back saying she won't be able to approve the Ink due to too many cards...)
The united approval was automatic or through recon ?

Offline DoGo

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Re: Chase Reconsideration
« Reply #6493 on: October 20, 2014, 08:43:51 PM »
The united approval was automatic or through recon ?
Originally the United was pending and Ink was denied, when I told the first rep I would rather the Ink, she resubmitted both, the United was approved, Ink denied.

Offline TimT

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Re: Chase Reconsideration
« Reply #6494 on: October 20, 2014, 08:45:19 PM »
Origanaly the United was pending and Ink was denied, when I told the first rep I would rather the ink she resubmitted both and the United was approved.
Why did she resubmit both if you asked for the ink ?

Offline DoGo

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Re: Chase Reconsideration
« Reply #6495 on: October 20, 2014, 08:46:12 PM »
Why did she resubmit both if you asked for the ink ?
good q..
I said I would love to have both, but would rather the ink..

Offline lechatchileh ariber

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Re: Chase Reconsideration
« Reply #6496 on: October 21, 2014, 04:05:27 AM »
What does it mean "too many accounts with balances"?
That I have too many credit cards? I only have 4.
That I don't pay on time? I do.
Just got the recon paper and trying to make some heads and tails of what they learnt from experian.
I don't sin, I give myself opportunities to repent.

Offline eli.f

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Re: Chase Reconsideration
« Reply #6497 on: October 21, 2014, 04:07:08 AM »
What does it mean "too many accounts with balances"?
That I have too many credit cards? I only have 4.
That I don't pay on time? I do.
Just got the recon paper and trying to make some heads and tails of what they learnt from experian.
What's your utilization?

Offline lechatchileh ariber

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Re: Chase Reconsideration
« Reply #6498 on: October 21, 2014, 04:10:30 AM »
What's your utilization?
I have a prg (charge with no limit), 2 cards with 7k and 1 with 19. The most I ever recall finishing a month with, was like 500.
Thanks
I don't sin, I give myself opportunities to repent.

Offline eli.f

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Re: Chase Reconsideration
« Reply #6499 on: October 21, 2014, 04:13:38 AM »
I have a prg (charge with no limit), 2 cards with 7k and 1 with 19. The most I ever recall finishing a month with, was like 500.
Thanks
As PRG is a charge card, it may not have it's own utilization ratio, but it would still count toward the total credit/total debt ratio.

Either way, call recon. Explain that your balances are actually low.