Topic Wiki

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 2414545 times)

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22692
  • Total likes: 7191
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Chase Reconsideration
« Reply #7200 on: January 26, 2015, 09:07:55 PM »
Even if I am not using that credit?
Why aren't you using that credit ? Swipe for a few dollars here & there.

Offline etech0

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 12921
  • Total likes: 3383
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: Chase Reconsideration
« Reply #7201 on: January 26, 2015, 09:08:41 PM »
Even if I am not using that credit?
Part of your credit score is based on what percentage of the credit you have, you are actually using. So if your total credit limit goes down, but you still spend the same amount, your credit score may go down. People like to pay off most of their balance before their statements close, to avoid that.
Workflowy. You won't know what you're missing until you try it.

Offline Maurice

  • Dansdeals Silver Elite
  • **
  • Join Date: Dec 2014
  • Posts: 50
  • Total likes: 6
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: United States
Re: Chase Reconsideration
« Reply #7202 on: January 26, 2015, 09:09:25 PM »
They said I wasn't utilizing a high enough percentage of the overall credit.  I normally spend ~5000 a month and total credit was 60k across all cards

Offline Maurice

  • Dansdeals Silver Elite
  • **
  • Join Date: Dec 2014
  • Posts: 50
  • Total likes: 6
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: United States
Re: Chase Reconsideration
« Reply #7203 on: January 26, 2015, 09:16:11 PM »
Real time status update.  Called Chase (on phone right now) to tell them I wanted to cancel application for United card, explained I didn't want to give up the credit line, I asked him to reconsider but he said it had been decisioned and then he asked me to hold.

Comes back 1 min later... Uh sir, I'm going to see if I can actually approve that.

1 min later offered to move credit from an existing credit line as opposed to lowering it!  First guy had told me it was impossible. 

Should have just HUCA in the first place.


Offline etech0

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 12921
  • Total likes: 3383
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: Chase Reconsideration
« Reply #7204 on: January 26, 2015, 09:17:45 PM »
Real time status update.  Called Chase (on phone right now) to tell them I wanted to cancel application for United card, explained I didn't want to give up the credit line, I asked him to reconsider but he said it had been decisioned and then he asked me to hold.

Comes back 1 min later... Uh sir, I'm going to see if I can actually approve that.

1 min later offered to move credit from an existing credit line as opposed to lowering it!  First guy had told me it was impossible. 

Should have just HUCA in the first place.
Nice!!

These reps are consistently inconsistent.
Workflowy. You won't know what you're missing until you try it.

Offline TimT

  • Dansdeals Lifetime 20K Presidential Platinum Elite
  • ********
  • Join Date: Dec 2013
  • Posts: 22692
  • Total likes: 7191
  • DansDeals.com Hat Tips 12
    • View Profile
Re: Chase Reconsideration
« Reply #7205 on: January 26, 2015, 09:20:37 PM »
Nice!!

These reps are consistently inconsistent.
+1

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8302
  • Total likes: 2745
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: Chase Reconsideration
« Reply #7206 on: January 26, 2015, 09:21:32 PM »
Nice!!

These reps are consistently inconsistent.
i think now is a good time to call if you need a recon i got a nice rep too although she didn't approve on the umpteenth HUCA it was the first in a while to actually reconsider it and not just say sorry was reconed too many times
I wonder what people who type "u" instead of "you" do with all their free time.

Offline etech0

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Dec 2013
  • Posts: 12921
  • Total likes: 3383
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: not lakewood
  • Programs: DDF
Re: Chase Reconsideration
« Reply #7207 on: January 26, 2015, 09:23:11 PM »
i think now is a good time to call if you need a recon i got a nice rep too although she didn't approve on the umpteenth HUCA it was the first in a while to actually reconsider it and not just say sorry was reconed too many times
Can I lock in a good recon, and use it during my next AOR?
Workflowy. You won't know what you're missing until you try it.

Offline Club2000

  • Dansdeals Platinum Elite
  • ****
  • Join Date: Jul 2010
  • Posts: 312
  • Total likes: 2
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: CH
  • Programs: Delta P, AA Gold 4 Life, Starwood Gold
Re: Chase Reconsideration
« Reply #7208 on: January 26, 2015, 11:59:18 PM »
Chase ba says bonus only for first time

- Is it really happening are you are still getting it ?

- How long need to wait to reapply for other card
It used to be 60 days ?

Offline mawmaw

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Jun 2013
  • Posts: 1252
  • Total likes: 0
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase Reconsideration
« Reply #7209 on: January 27, 2015, 12:14:26 AM »
Can I lock in a good recon, and use it during my next AOR?
lol

Offline eli.f

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2013
  • Posts: 1140
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: TLV
Re: Chase Reconsideration
« Reply #7210 on: January 27, 2015, 01:39:29 AM »
Chase ba says bonus only for first time

- Is it really happening are you are still getting it ?

- How long need to wait to reapply for other card
It used to be 60 days ?
Why here? There's a dedicated thread.

Offline smaxber

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Mar 2013
  • Posts: 1432
  • Total likes: 3
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Chase Reconsideration
« Reply #7211 on: January 27, 2015, 04:16:09 PM »
Called recon bunch of times but didn't request new letter so I called on 35th day from original letter and they told me can't access app. Truth to it?

Offline eli.f

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2013
  • Posts: 1140
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: TLV
Re: Chase Reconsideration
« Reply #7212 on: January 27, 2015, 04:34:47 PM »
Called recon bunch of times but didn't request new letter so I called on 35th day from original letter and they told me can't access app. Truth to it?
Yes.
Like everything else, HUCA won't hurt, but it seems to me it's a waste of time.

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8302
  • Total likes: 2745
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: Chase Reconsideration
« Reply #7213 on: January 27, 2015, 04:36:10 PM »
Called recon bunch of times but didn't request new letter so I called on 35th day from original letter and they told me can't access app. Truth to it?
when i called the rep misheard my social and nothing showed up so i asked her what she put in and realized she made a mistake
I wonder what people who type "u" instead of "you" do with all their free time.

Offline eli.f

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2013
  • Posts: 1140
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: TLV
Re: Chase Reconsideration
« Reply #7214 on: January 27, 2015, 04:39:04 PM »
when i called the rep misheard my social and nothing showed up so i asked her what she put in and realized she made a mistake
Interesting story. Does it have anything to do with what you quoted?  :)

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8302
  • Total likes: 2745
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: Chase Reconsideration
« Reply #7215 on: January 27, 2015, 04:41:45 PM »
Interesting story. Does it have anything to do with what you quoted?  :)
is it possible that that happened to him too?
I wonder what people who type "u" instead of "you" do with all their free time.

Offline eli.f

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Nov 2013
  • Posts: 1140
  • Total likes: 0
  • DansDeals.com Hat Tips 0
  • Gender: Male
    • View Profile
  • Location: TLV
Re: Chase Reconsideration
« Reply #7216 on: January 27, 2015, 04:48:14 PM »
is it possible that that happened to him too?
Doesn't sound like it. The 30 day issue is something else.

Offline avromie7

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Feb 2014
  • Posts: 8302
  • Total likes: 2745
  • DansDeals.com Hat Tips 6
    • View Profile
  • Location: Lakewood
Re: Chase Reconsideration
« Reply #7217 on: January 27, 2015, 04:49:21 PM »
Doesn't sound like it. The 30 day issue is something else.
Maybe he thought it had to do with 30 days like I did on mine
I wonder what people who type "u" instead of "you" do with all their free time.

Offline mord1

  • Dansdeals Platinum Elite + Lifetime Gold Elite
  • ******
  • Join Date: Feb 2013
  • Posts: 901
  • Total likes: 9
  • DansDeals.com Hat Tips 0
    • View Profile
Re: Chase Reconsideration
« Reply #7218 on: January 27, 2015, 07:44:21 PM »
I applied last night for an Ink and a United card and was approved for United with a $25,000 line and called recon to find out what the story on the ink was- and the rep said- Since I have been approved for 3 (BA and Sapphire preferred and now united) cards in the past 6 months they cannot approve me for another because the promotions are to steep and if they keep giving me points they will lose to much money. He said it was not an issue with my credit. Anyone have this recently? Tips on what to say when I call again?
Thanks

Offline Marco Polo

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: Jul 2012
  • Posts: 13126
  • Total likes: 49
  • DansDeals.com Hat Tips 104
  • Gender: Male
    • View Profile
Re: Chase Reconsideration
« Reply #7219 on: January 27, 2015, 08:37:02 PM »
I applied last night for an Ink and a United card and was approved for United with a $25,000 line and called recon to find out what the story on the ink was- and the rep said- Since I have been approved for 3 (BA and Sapphire preferred and now united) cards in the past 6 months they cannot approve me for another because the promotions are to steep and if they keep giving me points they will lose to much money. He said it was not an issue with my credit. Anyone have this recently? Tips on what to say when I call again?
Thanks
Half those cards are personal, you need business cards.

HUCA
Quaerite et Invenietis.