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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 2374459 times)

Online AsherO

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Re: Chase Reconsideration
« Reply #980 on: March 06, 2012, 07:43:01 PM »
The CL is the amount of revolving credit available, anything over that must be paid by bill due date. I believe it is stated somewhere on Chase's site

EDIT: yup it's on the bottom of the "My Accounts" page

But that doesn't make it NPSL. I don't remember how it's reported on my credit.
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Offline Chaikel

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Re: Chase Reconsideration
« Reply #981 on: March 06, 2012, 07:45:15 PM »
But that doesn't make it NPSL. I don't remember how it's reported on my credit.
I think one of us is not understanding the other
Quote
If your account currently has no pre-set spending limit, the "Available credit" is the amount of your "Credit Access Line" currently available for use, and your "Total credit limit" is the total amount of your "Credit Access Line" as defined within your Cardmember Agreement.
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Re: Chase Reconsideration
« Reply #982 on: March 06, 2012, 07:48:33 PM »
I think one of us is not understanding the other

Quote
If your account currently has no pre-set spending limit, the "Available credit" is the amount of your "Credit Access Line" currently available for use, and your "Total credit limit" is the total amount of your "Credit Access Line" as defined within your Cardmember Agreement.

Does that mean that if I don't have a "Total credit limit" then it isn't NPSL? Because I don't see anything like that on my statement.
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Offline HelpMe

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Re: Chase Reconsideration
« Reply #983 on: March 06, 2012, 07:48:40 PM »
EDIT: yup it's on the bottom of the "My Accounts" page
Is this for your personal card or just business?
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Online aryeh1

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Re: Chase Reconsideration
« Reply #984 on: March 06, 2012, 08:22:39 PM »
lol I called a few times for my wife and they wanted to know why I keep calling and dont take NO as an answer.

Offline Jkhein

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Re: Chase Reconsideration
« Reply #985 on: March 07, 2012, 03:01:52 AM »
It's called a "Credit Access Line". I'm quite confident it's not an NPSL (Charge) card, since it doesn't require payment in full, it has the regular minimum payment due verbiage, and only requires a small fraction of the statement balance to be paid in full by the due date.
Only if you go over the access credit line, do you than have to pay that overage in full, otherwise you indeed have to pay just the small minimum payments.

Offline Jkhein

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Re: Chase Reconsideration
« Reply #986 on: March 07, 2012, 03:02:51 AM »
credit limit
well MAYBE the difference is indeed if they exceeded their credit limit or credit line, which as CS told me is no problem at all as long as its paid in full by the due date, VS. Passing a credit limit, which is also possible, but not allowed. 

Offline Chaikel

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Re: Chase Reconsideration
« Reply #987 on: March 07, 2012, 03:23:17 AM »
Is this for your personal card or just business?
I dont have any Chase biz cards
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Offline db123

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Re: Chase Reconsideration
« Reply #988 on: March 07, 2012, 09:22:41 AM »
did a 2bm sapphire and explorer, sapphire instant for 10k, 10 days later called recon for explorer a few questions and had option to close a  ba card or move 5 from new sapphire took 2nd option. will use ba card as leverage later on as annual fee is due in a month or 2 either way. first time applied for more than 1 card at same time. thx dan for all ur info!

Offline DevoiriS

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Re: Chase Reconsideration
« Reply #989 on: March 07, 2012, 10:27:41 AM »
when doing a chase recon, is it better to ask for a higher or lower credit line? also with the 3bm, you do it so they pull the report once (if i am not mistaken), so would i get declined because of too many requests for credit? (I applied for 3 chase cc (continental, united and sapphire). Also, she was not too happy that I said i wanted the bonus miles (I had read somewhere here that someone did it but i guess that was a no. it worked when i said i needed a visa and mastercard.) Either way, she was only able to approve one she said so i went for the continental at a 20k credit line. what are your thoughts and opinions?

Online aryeh1

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Re: Chase Reconsideration
« Reply #990 on: March 07, 2012, 10:57:20 AM »
If I would close my card to get a new card before the bonus posted will I still get it?  Because  it says after the first purchase.

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Re: Re: Chase Reconsideration
« Reply #991 on: March 07, 2012, 11:08:18 AM »
If I would close my card to get a new card before the bonus posted will I still get it?  Because  it says after the first purchase.

Which card do you want to close? I doubt you would. You MIGHT depending in the timing.
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Re: Re: Chase Reconsideration
« Reply #992 on: March 07, 2012, 11:11:57 AM »
Which card do you want to close? I doubt you would. You MIGHT depending in the timing.

I got approved for the co opp card 2 weeks ago, statement closes in a week but cant get them to open the united card unless i would close down the co opp. Thinking of waiting after the statement closes and calling back. Im also wondering if i would still be able to match on the co opp as they will only match once i receive the initial bonus.

Offline Saver2000

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Re: Chase Reconsideration
« Reply #993 on: March 07, 2012, 11:14:49 AM »
Recon just told me that I'm not allowed to have two united cards even though the one I have is a visa and the app is for a MasterCard. How do I tell her that she's misinformed?

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Re: Chase Reconsideration
« Reply #994 on: March 07, 2012, 11:16:26 AM »
Recon just told me that I'm not allowed to have two united cards even though the one I have is a visa and the app is for a MasterCard. How do I tell her that she's misinformed?
call again

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Re: Chase Reconsideration
« Reply #995 on: March 07, 2012, 11:19:31 AM »
call again

I sure will. I'm just nervous that she noted the account and the next rep will see her notes.

She offered to swap the cards but I didn't get the bonus yet on the first card.

Offline JEWDA

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Re: Re: Chase Reconsideration
« Reply #996 on: March 07, 2012, 11:33:08 AM »
Which card do you want to close? I doubt you would. You MIGHT depending in the timing.
And what if the statement closed already but points didn't post yet?
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Re: Re: Chase Reconsideration
« Reply #997 on: March 07, 2012, 11:41:29 AM »
And what if the statement closed already but points didn't post yet?
dont they post when closes?

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Re: Re: Chase Reconsideration
« Reply #998 on: March 07, 2012, 12:00:29 PM »
dont they post when closes?
On statement not on mileage account
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Re: Re: Chase Reconsideration
« Reply #999 on: March 07, 2012, 12:12:51 PM »
On statement not on mileage account
right so on mileage acct 2 days later?