What to Do If You Get Rejected for a Chase Card
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- čas přidán 20. 05. 2024
- Apply for a card and didn't get instantly approved? Try calling the reconsideration line.
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I swear every youngster in highschool or college should change Netflix for these type of videos
I just called up Chase for a reconsideration. Thank you so much! I applied for the Freedom Student card, but because of my income and new credit, they had assumed I wasn’t a full time student. After talking with the rep and explaining that I work full time and go to school, he redid my application and I got approved!
Perfect timing on this video!!! Thanks again for all the great info
I hope my new card applications are helping your channel
Was at 4/24 and Applied the advice you gave on combining hard inquires. Used my last slot to get approved from the Chase Freedom. Leaving me with the CF and CFU. Used a targeted pre-approval offer by Chase to Apply for Chase Sapphire Preferred. Initially got denied and I used this video for reconsideration line. After using the strategies in the video, I got APPROVED! I'm now at 6/24 and have my CHASE TRIFECTA. Thanks Ask Sebby, will definitely use your website for my next credit card and return the favor. (Didn't use it for the Preferred because I needed the Pre-approval to bypass 5/24).
I just learned a new trick !! I didn’t know anything about reconsideration. 😅👌🏼
I followed your instructions and it worked! Thank you!
I really appreciate your advice. .i have my children watch all of your videos..you have greatly augmented my financial lectures that i frequenly bombard them with ..you lay a very nice foundation of monetary policy and credit knowledge in an easy to understand manner...which is no small matter. .finance is a very big deal and keeping constant vigilance on ones credit score etc as well as credit cards is a real task ..thank you sincerly
It's funny that you made this video, because I just applied for the IHG card and received that 30 day email. I coughed it up to a decline and just applied for the Surpass Hilton and got approved. I'll wait awhile and see what happens with IHG.
Always...Great information. Thank you
Thank you! I was denied during my application for a Chase freedom unlimited card, and after giving them a call I was approved. Thanks again!
Old video but wanted to add my quick story. I have a 10 year credit history with scores of about 790. I was at 4/24 and so I wanted to get my first Chase card and went for the freedom since traveling is so up in the air right now (pun intended). I initially got the message saying we will notify you ASAP regarding a decision. Called the reconciliation number the next day since they were closed when I applied. Within 5 minutes was approved! Gonna wait a few months and get the Saphire preferred! Thanks Sebby!!!
Congrats on the approval :) If you want to talk strategy moving forward: www.asksebby.com/free-card-consultation
Thanks Sebby! I got the "we'll let you know in 30 days" message after I applied for the Freedom card. Called the reconsideration line, he asked a few questions, and approved me with an $18K CL. They also expedited the shipping at my request and I got the card a couple days later. I didn't know anything about reconsideration lines until your videos. I'll establish a relationship with Chase and go for the CSR in a year. You've got some great content on your channel. Keep up the good work sir!
Congrats :)
I gotta give it to you sebby you help us so much , I did this for my csp and they changed their mind , I was over 5/24 but they pre approved me in the bank and I was like I would have never did the app if I wasn't pre approved , so they was like I see and they chanced their mind 😁 I think that's the only way around the 5/24 for the csp and csr
I saw this video last night, and I was scared because I thought it was an omen for my CSP. Luckily, I got a call today, and I was approved. This would have been great information though. Thanks :)
I applied for a chase card as my second card. A year after my first. Got rejected. Waited a couple of weeks and applied for an Amex BCE and was approved. Since then I have the PRG, Discover IT, and I'm just waiting to see if I can justify the platinum card. Chase can kiss my ass.
People should never take credit card denials personally; the banks don't really know you. It's just your credit profile doesn't fit their standards at the time. Your profile will change a lot within a year. Chase is probably the best credit card bank there is, you're really limiting yourself.
@Asif Hussain 3-5
Chase is the best so far! I got denied too but I called them and it was fine.
Got approved on the 1st card but got rejected on the 2nd card got a latter reason why i got rejected was because i applied the same day for 2 cards applied 60 days laters got approved
Just got approved for 10k CSP. I called the reconsideration line once I received the letter in the mail. They ask a couple of question then congratulations.
Congrats!
What was your credit score at the that time
Real helpful video, man. Thanks
My wife got approved yesterdey. At first she was denied because of the 5/24 rule even though she was only a authorized user of the 4 credit cards. We called the reconsideration line and got approved. Thanks for the infos.
GalaxyStar:3 Wildfree that’s great to know!
Awesome I applied for freedom flx and was denied due to I applied for 2 cards within 30 days but im also at a 5/24. Called right after I was denied. First rep told me the reason them I asked to be transferred to the support team and in 15min approved 👌.
I was told I had to wait 30 days because they had to process my request. So I called to get an answer.after the analyst reviewed my file he said I was denied due to the fact I had to many request for credit recently. Length of time since oldest card was opened is too short?
This video is a life saver. It worked for me thank you!
I was denied for the ink business card because of the 5/24 and of course when I called the reconsideration line they were totally oblivious of the 5/24 rule. kinda sucks but amex gave me the business platinum
Great advice! Thanks
If I am a authorized user on a CSR can I or should apply for the CSP? Plus I already have a CFU card with them.
I applied for the Freedom and IHG Premier on the same day. I got approved for the Freedom by checking the auto status but 7-10 day for the IHG. I called the reconsideration Line and they said it was because of a short time has passed before my last opened a Account with them. So how do you get 2 cards at the same time if they say I have to wait and reapply to get the second ? I only wanted 1 inquiry
Is the reconsider line the same as application status line? No where can I find the application status line either on yours or doctor credit post. Only reconsideration line.
I have two cards recently got rejected. I had a bk 7 4 years ago and have maintained my other three credit cards since then always on time and excellent payment history. So I have Citi, discover, and capitol one. with each cards limits are over $15000 per credit line.. so no I don't need more credit cards but I was trying to apply for two more cards so chase and Wells Fargo rejected me.. what can I do?? suggestions please...
Thanks for the info
I tried to apply with Bank of America, the worst experience ever! Capitol One also gave me a bad time and never considered opening an account.. American Express approved me instantly, US Bank approved me in 2-3 days, and Chase also approved me after removing a security freeze from Equifax.. I don't know why BOA & Capitol One refused to work with me and were argumentative citing lack of recent installment credit, unable to contact me and other excuses. My credit file looks good and has a decent score with several tradelines, my student loans are also satisfied.
Thank you so much !
Earned a new subby today! I used your advice today and I went from declined to approved for my first business card. Personal Credit score 693 inquiry dropped my score only two point to 691. I was told I was declined due to credit reporting everything that was said was wrong 😑 after hours on hold and a few business related questions I’m approved with a 5k limit 🥳 Thanks I would have never known about this if I didn’t find your video
Congrats on the approval!
I called the "reconsideration line" I asked if this was the reconsideration line and they were like" we don't have a reconsideration line..." I was like ok why does it say that online. Credit Karma said I had a good approval odds on the CF card and I got denied and dont know why. Do you know if they changed their line number?
So I just applied for the Chase Sapphire Preferred and a screen loaded stating that more time is needed for a decision. When I called the application status number, I was told that I will get a notice in the mail in 2 weeks. Based on what you mentioned, I should be approved?
Hello Sebby ,my score is 670 and utilization is 50% i have 7 accounts(cards) i would like to get a freedom card wich do u reccomend first freedom reg. or Freedom Unlimited? and what are my probabilities you think? Thank you in advanced for your respond.
Sebastian I was approved for CFU for 10K, but denied days later for C Freedom Flex what do you suggest for this?
I called them! Thks! My application was denied because I have to much credit available...but I have no balance. So I transfer some money to the new IHG card and I ll get my CC in the mail soon. Yay!
Great video
What would you say the “safety” is in applying if you have extra CL on other cards you could move? So if I’m at 4/24 but got a couple new cards a month ago. Is that basically a guaranteed approval if you just say “move some CL over?”
Didn't know about the 2/30 rule when I applied for the CFR CFU AND CSR all in the same week.! Got the first 2 but not the 3rd one which was the CSR because of that rule. I'll wait 30 days and reapply.
I applied for SW Chase card. Got the 30 day msg followed by 7-10 day msg. I called reconsideration line and they requested address verification. I submitted documents. Msg then said 30 day for response... a day or so later, I was approved!!!
what did you say after reddit at :48 ?
I recently called and was denied again but they gave me straight forward answer. I’m still rebuilding my credit and was recently approved for a different card so they said they wanted to see more time from that card opening.
I screwed up. I didn’t know about the 2/30. I applied for the discover in March 3/14 then I applied for the sapphire preferred and got it but I also applied for the freedom and got denied. 🙁 now just wait 30 days
Sebby, do you have any advice if rejected for a Capital One card?
Great info
What's the recommended credit score before applying with Chase
Hello Sebby, thank you very much! I called chase reconsideration line and they asked me for my address and I was approved!
thanks for the video. i got that 30 day message and the next day got approved. weird but i guess i cant complain.
Hi Sebby. Any tips if I get rejected for a Barclays card? Do they have a similar system as chase? Will they reconsider? I have 6 new accounts this year (not Barclays). Applied for the Aviator red card and denied. Thx.
I'm guessing most were recent? You have too many new accounts. hey have a soft 6 inquiries / 6 new accounts rule in the last 6 months. I would just wait it out (a recon typically ends up being another hard pull here - and for no reason).
Tried to get both southwest cards got approved for one they said I had two many cards in the last 30 days but I only applied for these 2 card all year. Any help I would like to get that companion pass or which card should I product change to if I can't get the other southwest card
HUCA (hang up and call again).
Hey so a little update on my new card and a question. I got my chase card to buy a pair of $2000 tickets ($4k) knowing that I had the money to pay off the tickets immediately. I called in to get confirmation that this wouldn't cause a problem, and the customer care rep said it was all fine. I bought my tickets and paid off the card over the phone, and the next day chase put my account on a hold for review. Should I be worried and what steps do I take because all I wanted was to get that 50k UR bonus and I thought this would be the fastest way?
They'll probably unfreeze your account after the payment goes through. It really depends on how much spend you typically put through Chase. I ran into the same problem when I wanted to buy some tech stuff after getting a new card and they were concerned that someone stole my identity.
Ask Sebby thanks for the advice. I just got cleared with Chase
What would you consider young credit history? How much of an impact does credit age have? Thank you!
@asksebby When considering chase you said they are on the 5/24 rule. I got my first cc in 12-2016, a new care in 06-2017, capital one cc in 06-2017 and forever 21 cc 06-2017, a personal loan in 02-2017 (which I paid in full after 6 months. Will I automatically get denied?
You're either at 4/24 or 3/24 (depending on whether you can use the Forever 21 card in other stores). The personal loan isn't a credit card so it doesn't count. If you want to optimize your last slot, fill in a "free consultation" on our website.
I got a 7-10 days message. Does this always mean I'm being declined? I have a 765 FICO score and a low utilization. (I applied to the Amazon Prime Visa Card issued by Chase)
Chase does not want me... I have a card from evwrywhere but chase, wvwn with my 757 still can't get me approve :(
Hey Sebby! I just applied for the Chase Freedom Visa credit card. My credit score is 737. I was denied based on "not enough accounts opened long enough to establish a credit history". I called for reconsideration. I was denied again. I have a Discover It card that I got in January 2017. Which cards would be the easiest to get? I am trying to build up more accounts. Are there any secured cards with cash back bonuses? At this point, what would you recommend?
Is the Discover It a secured card? If it isn't, it doesn't make sense to suddenly go from unsecured to secured. I would look into the Citi Double Cash (long-term keeper card with good benefits). If you're bonus hunting, there's a few $150 for $500 spend ones, but you really want to minimize cards until you tackle Chase (due to the 5/24 rule).
Each non-Chase card you get is a 5/24 card you won't be able to get.
Thanks for your help. No, the Discover It is not secured. I got it when I was a student, so approval might have been easier. I will look into the Citi Double Cash card.
In my case they denied me and sent me a letter saying that they couldn’t confirm my information they gave a number to call when I called they asked me my job and 2 more other things then they resend my application to be reconsidered for the card .... they told give it 2 weeks
I took your advance and made a phone call for reconsideration and got approved.
Great information Sebi, just got an approval after being denied! You’re the man!!!
How, what did you do? Reapply or call in?
The Bed Doctor I called in and they asked me questions about somethings on my report and they reviewed it and approved me
10/10/17 applied and approved CSR
10/12/17 applied and approved for Ink Cash
10/19/17 applied and originally denied for Freedom. Reconsideration moved some credit limit from CSR.
Future cards will be Marriott personal, Freedom Unlimited and Ink Business. How soon is too soon to apply? 30 days from 10/10 or 30 days from 10/19? Apply for Marriott and Unlimited the same day?
Keep up the good work. You’ve got me glued to CZcams.
I would wait 30 days from 10/19/17 and do both on the same day to combine HPs.
Hey bro thanks for info. I recently got the 30 day notice and then a few days later it was two weeks and then a day later it was 7 to 10 days. I called the back door number and they wanted to verify my identity and upon verification they approve me for $17,000. Appreciate the information it led me to the back door number which I knew nothing about but I seen a couple people speak on it so I used it. Thank you again.
Marcus D hello, what’s the back door number?
Hi, I want to apply for the Chase freedom Unlimited Card. I’m new to having credit so I opened a Discover it card that’s been working pretty good. With a credit score around 700-720. I had the card for about four months now but I’m going to wait for an even six months and then I’m going to apply for the Chase freedom Unlimited at the end of the year is that good?
Tyree T once you have over 6month history and a score over 720, it should be fine.
Thanks 👍🏼
Where do you go to check to see if your pre-approve?
Thank you so much. I wanted to ask if you could do a application recommendation order for students with new credit?
1) Secured card (if you don't have credit)
2) Chase Freedom
3) Chase 5/24 cards
I’m a first year college student never had a credit card before because started working after high school anyway I applied for Chase freedom unlimited is that for college students ? I there a certain credit card for students ? Because I got rejected 😔
Can anyone tell me why my application buffers for 10 minutes at a time but it never tells me if I’m approved or not ? It just stays loading ? Does anyone have this issue ?
This is what exactly happened to me. I applied for the chase freedom unlimited at May 2017 and got a 16k credit limit, then I believe 3 weeks later I applied for the chase ihg card and got approved for 2k. I'm afraid to apply for the chase hyatt card, but I'm really afraid that I would get denied. Any suggestions or advice on what to do Seb? Thanks! 👍on the video!
Decrease your FU's limit from $16k to $10k. That way, you can offer to move $5k over to get the card opened.
Just sent a secure message. Downgraded my unlimited to 2k, and upgraded my IHG card from 2k to 6k. Will have 10k left over. Will probably apply for the hyatt card in November during the holiday season. Thanks for the advice Seb!
Hey Sebby I have gotten rejected twice by Chase, both times it was because they didnt think i had a long enough history. The most recent time that i applied my oldest individual account was 8 months old and two acounts that are 4 months. How long do u suggest i should wait so that length of history is no longer an issue, i also have a credit score of 740
They like to see 1 year of personal history (not AU history): www.asksebby.com/free-card-consultation/
I'm relatively new to credit (10 months since the first card), FICO 720, but I bank with Chase and got their FU 3 months ago. I pay off my debt on a weekly basis. If I apply for CSR right now and get rejected, is it possible for me to phone the reconsideration line and ask if it's possible to get preferred instead?
www.asksebby.com/free-card-consultation/
Hey Sebby. I could really use your advice. I applied for freedom flex and have been waiting four days. They finally accepted, but sent me freedom unlimited. I sent them a secure message and told them I have pictures proving I was applying for freedom flex and that I didn't want the unlimited card as I was thinking of future downgrade of CSP to unlimited and getting or upgrading to CSR after 4 year bonus delay. They didn't ask me and canceled card after two days of being active as that's how long they took to respond. I asked about if this affected my credit score or 5/24 rule and they said this doesn't exist and gave me worst answers. I opened 2 cards past 24 months. 3 if you include unlimited. I have great credit score and I got rejection saying too many cards. What should I do? Thinking of calling reconsideration line, but should I wait a month?
Should have been content with what they gave you lol now you have nothing.
With the 5/24 rule does Chase look at just the cards opened with them or cards opened with other issuers as well? Thanks.
www.asksebby.com/blog/the-definitive-guide-to-the-chase-5-24-rule
Thank you
I got approved somehow at a 692 Credit Score and a Chapter 7 bankruptcy from 3 years ago with a short history banking with Chase. I credit this vid for it. My friend got denied and he has good credit and more years than me banking with Chase and he got denied cause of the 5/24 thing and he had the longest argument and still didn't get approved when he called customer service. Thank you so much again for your video
Which Chase card did you get approved for?
@@suncat9 Was just a Chase Freedom but any rewards at this point, is a good reward lol
I recently had 2 applications that weren’t automatically approved, but they got approved within a few days without my having to do anything (unless the very act of calling the automated status line counts positively in some way).
It seems strange that an application would need more time or a manual review. From the start, don’t they have all of the information they need to make a decision? In the case of a manual review, the credit specialists must be following some guidelines, so why not just program that into their software?
I’m curious to know what’s going on behind the curtain.
It usually means a risk analyst needs to look into it. Maybe you're nearing the "cap" for that specific issuer? www.asksebby.com/blog/why-you-should-consider-lowering-your-chase-credit-card-limits
Sebby I recently tried chase freedom and got denied..... but a couple days prior I was approved for discover it and quicksilver card. What should I do next should I called back for reconsider or try something eles
Let your stuff age so you don't get locked out of 5/24. Wait for oldest non-AU card to hit 12 months old.
After getting approved for the CSR and freedom unlimited, not knowing about the 2/30 rule, I applied and got declined for the freedom card. Since I applied for it already after I’m out of 2/30 I should call instead of reapply, correct?
Probably worth a call.
Applied for the Hyatt card (based off of your videos, thanks) and got the 30 day pending decision notice. Called the applications status IVR and got the "2 week" message. I was shocked as I hold a CSP card, which I had planned on upgrading, as well as Citi and other cards. A Google search indicates that they likely need to verify that I applied. Which do you think may be occurring, Sebby? and when should I call to speak with an agent? Thanks!
2 weeks typically means approval.
Thanks, Sebby. Call today to the applications IVR and the message is 7-10 business days now. Fingers crossed that it's just verification!
Received the "Fraud Dept -- Verify Application" letter on Sat. Called this morning and after a OTP text, the agent came on the line with the approval!
Ask Sebby were you approved? The same thing has happened to me.
just called and got approved 🙏🏼
Does a chase business CC application create a hard pull that negatively affects your credit score like normal cards?
Yes, all credit cards = seeking credit = hard pull.
As long as you have a good base of cards, hard pulls should only cause a 1-2 point drop (from my experience anyways).
Hi Sebby, is 2/30 rule apply to personal only, or both personal & business cards? Thanks.
Just Reviews from my understanding it applies to both but seems to have some other algorithm involved since the 3rd application is sometimes put into pending and not auto-denied if one the applications is a business card.
So the 3rd one will be approve or denial? (if one is business and another one personal)
Can’t help you there. Forum reports are variable. Some manage to get approved while others do not.
I wasn't approved immediately, and rep called me a week later asked a few additional questions then approved the card
Just got the two week message when I called in .. Think I should be good right ?
I got denied about 2-3 weeks ago they told me immediately that I got rejected to the Chase Freedom Flex. They gave me the reasons why I got rejected.
-“Insufficient balance in deposit and investment accounts with us
-Length of time since oldest credit card was opened is too short
-One or more credit cards have a high balance compared to the credit line
-One or more recent requests for new credit.”
I was thrilled wondering how it is possible when my credit score says it’s 753.
Anyways, I did what Sebby says to do in this videos and explained my situation with them. I told them that yes I owed some money (which I payed right away) but the the credit score read it like I still owe money but that up to this point I don’t owe anything in my credit cards. I told them I didn’t bank with them anymore because their bank is 1 hour 30 min away from me.
So I asked, if their were anything they could do.
• They verified my income
• They asked me if I rent or own. I answered I owned
After this questions they put on hold for a couple of minutes and they reviewed my application.
They ended up approving me!!! I know as amazing it sounds they did it!! Thanks Sebby!!
Hope my story helps someone. Don’t be afraid to call. What’s the worst thing that can happen?
This is pretty much my exact current issue. I got denied 2 days ago and my score dropped from 745 to 737....I've been hesitant to call them but I'll try it out at least. Thank you
I got APPROVED!!! 👑
You’re welcome! Welcome to the crew 🤙🏽
Nice! I did the same thing for the CSP but to avail - wouldn't approve me. Understandable.
Hi, i have a question. If i used csr primary car insurance, does it affect my credit score or relation with chase? I got into an accident, which total the rental car, i got hertz's loss damage waiver, but im not sure will it cover it all.
MrAznToki it will not affect your credit score in any way unless you have an unpaid bill related to the accident. They are laws that prevent random none credit related stuff from being inserted into your credit report. Using Chases insurance should not cause any problems unless it becomes a regular occurrence.
If you got Hertz loss waiver, CSR insurance does not activate or apply. It’s spelled out in the guidelines on how to use the benefit. You’ll need to use your own insurance or pay out of pocket.
So if hertz loss damage waiver doesnt cover everything. Chase insurance would not apply?
MrAznToki if you use any other insurance from the rental company, all credit card rental insurance that I’m aware of will not be considered active. You can try to call the back of the card and try but I’m doubtful they’ll allow it. Sorry.
It’s been a pain in the ass trying to get the most basic card with Chase they needed proof of my address, so I sent them my utility bill then after that they wanted a copy of my social and now I’m not sure what’s next 🙄
I recently applied for the freedom card and was denied on line it said you’ll get something on the mail 7-10 days. After few days I called to check status of application not the reconsideration line and the representative said my application was still in process??? They checked my Equifax report then two days later they pulled my Experian report all hard pulls... is this means I’m approved??? Do I still wait for a response and then call again to their consideration line?? Thanks Sebby for all the information
got a letter denying me today probably since i started 7 months ago having a credit card. but my fico score supposedly is 738 so im going to give it a shot tomorrow
Did you get approved?
What would you say about applying for 2 chase cards at the same time. Example chase freedom and freedom unlimited?
That's fine. It's called combining hard inquiries: czcams.com/video/xtW8Mqls8R4/video.html
Thanks
Does ombining hard count as one or 2 ?
andy minier It counts as 1.
I applied online for the Chase freedom card and got the 7-10 days response. So I called the reconsideration line and gave my plee but they still denied me because of a bankruptcy 7 years ago. My score is 69, with income over 60K, a secured capital one card I have hand and used for 2 years with no late payments and under 10% utilization and a chase car loan with on time payments. Sebby what should I do now?
Your score is relatively low. I would try again when you're 700+, given your track record (BK, etc.)
Does the Chase 5/24 rule also apply to installment loans like auto loans?
Nope.
Sebby does the 5/24 rule count for authorized users also or just accounts you opened yourself?
The algorithm will count AU cards so you'll need to call reconsideration to let them know that it's AU and shouldn't count since you're not legally responsible for those debts.
In many cases, I would just remove yourself unless you need to be on those cards.
I'm a Chase customer and have been for years. They notified me by email stating that since I'm a valued customer that I can apply for the Chase Freedom Unlimited but not pre approved or pre qualified. My question is should I apply they seem pretty strict.
AFAIK emails don't get around things like 5/24: www.asksebby.com/blog/rules-to-know-for-chase-credit-card-applications
You were wrong about Amazon Prime card its 5/24 too. I got a letter saying that.
Pre-qualify says SORRY!?!
Should I apply for the freedom anyways?
I applied for CSR, when i called the 1800 number its says 2 weeks and after two days changed to 7-10 days, but when i call reconsideration line it says two weeks, but the regular 1800 still says 7-10 days. So what its gonna be?
Any updates?
I have a 600 score should I apply for freedom card
I got a letter in the mail from chase asking me to call to confirm my credit card application, does this verification process ever lead to a denial?
MrNick if you want the card you should hurry up and call. Your card is awaiting
It typically is just a identity verification. Think about it this way, don't call = denial. Call = potential approval. No reason not to call (to me at least).
Does being an authorized user on chase cards count against you?
OMG IT WORKED !!! I CALLED AND THEY GOT ME APPROVED !!!
Hey Sebby, IHG vs SPG ?? What’s ur choice ??
SPG since the future is uncertain. For example, if it moves to Chase, by not applying for the SPG, you would have lost out on a bonus. IHG isn't going anywhere.