chase recon myficochase recon myfico

I even emailed the EO and got a call back saying they wouldnt approve until the BK hit 7 years. When I call the (800) 432-3117, it asks for your SSN. Ill walk you through some of the messages that you might receive whenever your credit card application is not automatically approved and give you some guidance on what route you should take based on the message you receive. Anyway, once I called they ended up approving my Reserve card. Currently 4/24 before this card (though I have some store-only cards so I've had to plead my case before.). This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). For more information on our advertisers, see here. If that happens, I would just hang up, especially if you feel yourself freaking out (hey, it happens). A place to discuss credit cards to profit from sign-up offers. This website uses cookies to improve your experience while you navigate through the website. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Personal & Business for new accounts:877-399-3083, Personal & Business for existing account holders:866-314-0237, 800-481-8277, this number will check your application status. According to this rule, you cant open more than 2 personal or 1 business credit card in a 30-day period. If you'd like to add a comment to this article and share your valuable feedback and opinions, please That said, if you want a higher CL, keep in mind Chase will HP again (perhaps twice) and there's no guarantee you'll receive a higher limit. Approved.Card is on the way! should I do an AMA? Thank you for the information. NerdWallet strives to keep its information accurate and up to date. As stated above, Chase approved what they're comfortable with. I know you can apply at a branch office but has anyone done a recon at one? Are you just here to complain? Great Info! I applied online for a Chase Marriott card. The Chase business reconsideration line phone number is: 1-800-453-9719. Many factors affect your FICO Scores and the interest rates you may receive. (800) 481-8277 Business Application Status Line, Barclaycard Credit Card Calling a reconsideration line for the first time can be nerve racking, so get a few tips before you call. Idk how their approvals/algorithms work for business cards but it almost seems like you should make up a fake sole proprietorship instead of using your real business. Call the automated status line at 1-800-432-3117, and follow the prompts. Further information is available in our FICO Data Privacy Policy. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. If you ask for a higher credit limit, most issuers will do a hard "pull," or "hard inquiry," of your credit history. You might wonder why your application is under review when you arent immediately approved for a credit card. I guess I could try a recon with a BD number, however I don't think I'll get very far. Well let you know our decision as soon as possible message about a week ago. dp: got denied for the business card first for "not enough income" called them, then got denied for "not a real business" wtf dude im a fucking land lord, and i do freelance programming, and they fucking denied me this right here is what's fucked up about their business card approvals. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. ), I called Citis number listed above just now (Sunday 1pm) and they said it wasnt recon, but the application department. Should I call now or wait longer? Banks want to retain profitable customers. (866) 606-2787 General Application and Account Questions, (800) 947-1444 - Credit Card Underwriting Services. Click here to check them out! This article deals with credit card applications and not immigration applications. Well I . Told the rep I got that message, offered to move some credit from an existing card with 33K limit to the one I had applied for. To get help with this youll want to contact Chase directly at 1-800-935-9935. For business credit cards, call this phone . It's the same thing. i will be calling chase today to request another recon now that my util is lower. Unless something just changed, that rep is not informed. Economics. It could be due to something as simple as a small typo on your application. Depending on the message that you receive after submitting your application, you may or may not need to call reconsideration. It's my first business card, so here's to hoping I can enter the weekend with good news! Even if you close these accounts later, they are counted toward the 5/24 rule. In addition, if youve opened 2+ personal Chase credit cards or 1 Chase business credit card in the last 30 days, your new application is likely to be denied. Chase is no exception to these rules, and its known for having some of the strictest ones among card issuers. I applied for the CIP this afternoon and was given the standard 30 day review message. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Reading this made me so happy . Should have read more carefully and listened to my Spidey Sense that something didnt seem right. Dont worry about the good and excellent terms to describe your score, so much more goes into a decision to approve a credit product. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Also indicated a new rule under 5/24If you move credit from another card, it counts as one of the 5/24 dings But, said while 5/24 was policy, calling could break through the 5/24 rule. Chase only looks at whether an account was opened it doesn't matter if you've since closed it. I guess Ill just wait and see. Directions Sulfur Plant. Banks want to retain profitable customers. Pre-qualified offers are not binding. 5K credit line, which I think is the minimum but I only reported my business income as 10K so it's plenty. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. All FICO Score products made available on myFICO.com include a FICO Score 8, and may include additional FICO Score versions. If you dont get an immediate approval, you will most likely get a decision in 7 to 10 business days. Couldnt get through to a rep. DoC comes to the rescue again! Read more. Like the CSR, it was a hp request but I - 6648712 - 3 . I though. FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Many factors affect your FICO Scores and the interest rates you may receive. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Oh boy. Unless shaving $600 off your TCL would push you over a util threshold, closing the Cap1 secured shouldn't have an effect on your credit score. is the number below the best one to call its the same one i called last time. Chase: 888-245-0625 (Credit Analyst - Recons). I would suggest trying it again. When evaluating offers, please review the financial institutions Terms and Conditions. MORE: After credit card rejection, heres what to do. We have financial relationships with some of the products and services found on this website, we may be compensated if you choose to utilize any of these links when applying. Freeing up credit lines might increase the odds that Chase will auto-approve you since they already approved you in the past for that same amount of credit. and has previously written for Million Mile Secrets. You can check your application status online if you are already a Chase customer. They would call Lending Services but probably not be in a position to assist further. Im afraid we are not able to assist with this as we are not Chase. If you've established a solid repayment history, let them know. Thanks for choosing Chase. Hi Derek, Now, you are limited to 1 bonus every 4 years! So I would call in as soon as I got a rejection or the 7 to 10 day message. You can recon for the Chase Freedom application, at least a few times before giving up. (888) 232-0780 General Card Services and Application Line We will only recommend the products that we believe are the best fit for you, the consumer. Two days later received the following email: We received your request for a new CHASE FREEDOM FLEX credit card. Paid. During the call you want to remain calm and think clearly about what youre saying. Enjoy all those points! If you are applying for a business credit card like the Ink Business Preferred, the reconsideration call could be, You need the credit card(s) to help segregate your expenses for some reason (e.g., starting multiple businesses), Youre switching or trying to build up a relationship with a certain airline like Southwest or United, You dont want to pay foreign transaction fees or you are attracted to some other benefit (e.g., primary rental car insurance), You prefer one interest rate (APR) over another (especially when dealing with balance transfers). Being added as an authorized user to someone elses credit card account. I called just after 5pm ET and received a message that they were closed. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. The cookie is used to store the user consent for the cookies in the category "Other. At the highest level, this would make the card earn up to 3.5 points on . Thank you to everyone who posted! Before you go into a reconsideration phone call (with any bank) you should try to put spend on your other credit cards issued by them. I guess I miss times when my reports were to be updated. Opinions and recommendations are ours alone. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. I called the business line number and they gave my ref # and a code to confirm who I was and said the card was approved on the 10/ 25/ 19. She did and was approved. Honestly I would just leave it alone. Reminder: You do NOT receive an intro bonus when you product change. As far as I can remember, I called the reconsideration line the next day and was immediately approved. Click here to see a list of advertisers that we work with. Lets start by going over some of the reasons you might not get an immediate approval on your Chase credit card application. If that does not work, you can call them to see if you can do a PC. But before you ever give them a call, read this article! Heres a list of Chase personal and business cards affected by the 5/24 rule: Disclaimer: This information is based on crowdsourced reports and is subject to change; this list hasnt been officially confirmed by Chase. Who knows, you may end up getting a favorable response. Ill explain what the different rejection and processing messages mean and give you some specific tips for how to turn that denied application into an approval based on my personal experience and extensive research! I immediately called the automated status line and received the 7-10 day message, which is supposed to indicate denial. I've done a lot of lurking here over the years tho. However, plenty of responsible spenders in good financial standing face rejection from time to time. All Rights Reserved. If youre just applying for a personal credit card, this will be easier than if you were calling about a business credit card, but you should still be prepared. If the conversation isn't going as you'd hoped, you may have room to negotiate. yeah chase is kind of like amex with BK most need to be 75% of the way through if not completely before they get back in. Thank you for this excellent article. Get Your Estimated FICO Scores Range. Find his full bio here. Your number to check the status is useless. (866) 408-4064 Credit Line Questions, (800) 625-7866 Application Services Line, 800) 951-6951 General Customer Service You may also be denied if you already hold a few cards with the bank. For visitors with visual disabilities, access to this website, including our FICO Data Privacy Policy, is available through assistive technologies, such as BrowseAloud, JAWS, VoiceOver, Narrator, ChromeVox, and Window-Eyes. You can check your Citi credit card application status by checking it online or calling the number below: Discover reconsideration is notoriously difficult since they dont often overturn decisions but you can give it a got at the following numbers: You can alsocheck your application statusonline. Be nice. Consequently, it's entirely possible that I got denied, but hadn't received notification yet. I asked him if my current banking relationship was taken into consideration and he said it didnt matter, that a credit card was pretty much impossible with a BK reporting. You must send an appeal letter to overturn their decision. Then, follow the directions mentioned in the article for checking the status of your application online. Do not sell or share my personal information. This one is a bit less well-known than the 5/24 rule. I've only opened a discover it card. 2023 Upgraded Points, LLC. 1. atleast recon your Freedom app. To check the status of personal credit cards using the automated system, call the status line phone number: 1-800-432-3117. Tip: Use WalletFlo for all your credit card needs. Edit 1: Still on hold but another DP I forgot to include: the reason for the initial denial was apparently due to the CSR I opened last week even though I'm only at 1/30. Business: 866-408-4064, open 8AM-8PM ET (business verification: 866-710-2688), (800) 625-7866 Application Services Line, (800) 951-6951 General Customer Service, automated, (800) 548-4593 General Customer Service and Application Line, automated, (800) 903-9177 Given to me by chat agent. Thanks! Barclays Recon line worked for me. There are a few different messages you might receive regarding your application status and they can signal that very different outcomes are on their way. Bottom Line: Opening too many cards in a short period is one reason you might not be immediately approved for a Chase credit card. Is that mean approval? I then called the reconsideration line and was immediately approved. Our partners cannot pay us to guarantee favorable reviews of their products or services. You can usually wait up to 30 days to call into reconsideration about your application but I do not recommend waiting that long. 10 Things Most People Don't Know About Chase Request Cli Myfico Forum. But I did not apply through the chase portal (as I had a referral from a friend) which may be why I was not immediately approved (I got immediate approval for my Chase Slate when I applied through the chase portal). OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, What to Do if Youre Denied a Credit Card: Reconsideration Lines. All rights reserved. i got this massage Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. It does not mean you are destined for a denial you could have made a typo on your application, or you might need to confirm some of the information you submitted. If you've ever gone down a rabbit hole reading flyertalk threads from 2015 about the difference between "2 weeks" and "7-10 days" or been the guy/gal posting in the newbie/daily threads asking people if you should call recon for a business card this flow chart is for you. I currently applied for the chase sapphire reserve, now I am in the pending status. I had about 3 cards opened within 24 months and 3 credit checks for buying a car which I ended up buying but not sure if they count, and maybe like 2 checks for requesting credit line increases in other cards. Sometimes Capital One will tell you that they wont review your application until youve received a response (email or mailer) from them which can be highly annoying. Please help me, sir/madam. Before calling the reconsideration line, it's wise to figure out why you were rejected. he asked me a few questions regarding the BK and few questions about income and where i live then puts me on hold. Hot Tip: If you dont have a registered business like an LLC, it might be best to use your own name as the business name to increase your likelihood of approval. You'd be better served using and managing it well while you address any other aspects of your profile that need it, and then see about an increase in the future from a position of better strength. I recently applied for the chase freedom and was denied due bk. Check Your Status Online You can check your application status online if you are already a Chase customer. You also have the option to opt-out of these cookies. Maybe you could add this to your flowchart 22 This message just means that your credit card application is being processed it does not mean you will be rejected or even that you have to call in to reconsideration. This post will cover everything you need to know about your Chase credit card application status and what to do if you arent immediately approved. For specific credit line questions, try the dedicated number. She jumped in full force and hasnt looked back. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. So I uploaded the documents online and called back the next day. (800) 625-7866 Application Services Line You never know what Chase is going to do with your credit card application but it surely helps to know how to navigate through the post-application process. By clicking Accept, you consent to the use of ALL the cookies. There are other credits too, but honestly they're not worth much to most people so I wouldn't factor them in to your equation. Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. Don't worry you don't need a silver tongue to convince your representative to approve you. A useful tool for analyzing your credit history is, of course, your credit report. I currently do all my banking at J.P Morgan private client not with chase so I am a little puzzled why this application is taking so long. I applied just last night (60+ days after the downgrade) and immediately got a denied and will contact in 7-10 days to tell me why. I did get transferred to another department though. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). He asked if for pre-approvals might cause that derogatory information to be stored if they did a soft pull from Experian (where that debt is still being reported)? [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]. Interested in finding out the top travel credit cards for this month? They may be throwing you that line just as an denial. 2nd Did you include them in your BK??? In general they will ask you a few basic questions (e.g Why did you miss a credit card payment back in 2008?) and if you reply to their satisfaction youll be approved for the card over the phone. Basically, your credit card application is still in limbo. Chase Chase allows you to earn an intro bonus for a product once every two years, except for the Sapphire cards, which are once every four years However, it is possible to product change to a card you already have. I think its even okay to tell them that youre trying to build up a more robust credit profile and earn some decent rewards while in the process. (800) 763-9795 General Personal Application Inquiries Usually, I would just say something like Oh yes, the Chase Rep did say X, but I just wanted to clarify blah, blah, blah.. Youll automatically be routed to a Barclays personal credit analyst. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. put on hold, Rep came back, asked a couple more questions and then we shifted some credit and BOOM New Sapphire Preferred approved! Make it clear you would like to continue doing business with the company. Seems simple enough but there are so many different messages and factors that go into Chase approvals. Reconsideration: 866-408-4064. Its in the "backdoor thread" stickied on top of the CC forum. Obligations. (800) 947-1444 - Credit Card Underwriting Services, About the author: Stephen Vanderpool is a former writer for NerdWallet. If you discover that you were violating any of those rules like the 2/30 rule, its best to wait until youre no longer violating them to call back in to reconsideration if thats possible. Requesting a credit limit increase can hurt your score, but only in the short term. 4 yr. ago randomly called in to check the status on the automated line and it switched to approved for 35k line. I put that in and they say their records do not match that number. Many credit card approvals can happen immediately. See our Advertiser Disclosurefor more details. Like many people in r/churning, I've gotten so many cards that I no longer get auto-approvals for Chase cards. If that fails, you may consider offering to completely close an older account. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Her credit scores on all 3 are around 815-820. *How* do you lower credit limits (before applying)? Creditaddict..EQ score is 673 (that is what Chase pulled)as Ihavereceived my denial letter. Further information is available in our FICO Data Privacy Policy. Box 6000, Sioux Falls, SD, 57117. If they bring up your prior call, you should have a reason ready for why youre calling back once again. Further information is available in our FICO Data Privacy Policy. call them back. Appears Chase is just as clueless. If need be, ask if you can transfer credit from another older account to create the new one. I never received an email saying my application had been received. Still pre BK I had a great relationship with them. I applied for Chase Freedom credit card and I got approved, I got a message to upload some of my documents like Drivers license, Social Security Card and Utility Bill for proof of address, please will they mail my credit card to the address on my utility bill? Original denial was turned into an approval when I offered to move credit line; I was told I would need to close one of my 3 current biz cards, not just move credit, as I was at the maximum amount of products allowed. I was then told they would be happy to issue me the new card I applied for, but would not extend any additional credit and that I would have to move credit from one or more of my existing cards to the new card. FTC's website on credit. . This site is protected by reCAPTCHA and the Google Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Press question mark to learn the rest of the keyboard shortcuts, https://www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/. You dont always need to call reconsideration. This cookie is set by GDPR Cookie Consent plugin. Were reviewing your application and will send you our decision as soon as possible. Here is their number: Some people will contact the Citi Executive Review Department atCitiBank Executive Review Department, P.O. Wow, IT for Bank of America customer support service is really bad. I contacted Chase by secure message and they just said they were transferring my question to another department. My scores were not as good as yours and I should have tried it again! Copyright 2001-document.write(new Date().getFullYear()) Fair Isaac Corporation. The resources online are scattered, conflicted and oftentimes outdated. Share your success stories, your horror stories, new offers, and any good tips and tricks you come across. We are Upgraded Points, a website that provides information and resources to travelers. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. Details: Chase Freedom was my first Chase credit card. Today called Citi Biz Recon on the first number listed (800-763-9795) and the rep told me it was personal recon, business is 866-541-7657 and no longer available on weekends (M-F 9am-9pm). The 3 month window begins as soon as you are approved for the card. Whether you want to pay less interest or earn more rewards, the right card's out there. If you lower them too much, you may not have any credit to shift around for your approval. I call the automated status line and was given the standard 30 day message. In limbo to something as simple as a small typo on your Chase credit card rejection heres... Arent immediately approved up approving my Reserve card, Sioux Falls, SD,.. Up getting a favorable response it switched to approved for 35k line had received... Csr, it happens ) I got a rejection or the 7 to 10 days! Calling Chase today chase recon myfico request another recon now that my util is lower bit well-known. Read more carefully and listened to my Spidey Sense that something didnt seem right my. Business credit card needs on our advertisers, see here get a decision 7. Your FICO Scores and the interest rates you may have room to negotiate exception to these rules, follow. And may include additional FICO Score versions, especially if you chase recon myfico to their satisfaction be! Having some of the CC Forum 's out there, new offers and... Applying for a U.S Bank credit card Underwriting Services ( 866 ) General. Called the automated line and received the 7-10 day message, which is supposed to indicate.. For more information on metrics the number below the best one to call reconsideration can a. Once again I then called the reconsideration line, which is supposed to indicate denial have a ready... To keep its information accurate and up to Date questions regarding the BK and few regarding. You a few times before giving up clear you would like to continue doing business with company! Now that my util is lower in 7 to 10 business days analyzing. It was a hp request but I do not match that number BK I had a great relationship with.! Receive an intro bonus when you arent immediately approved for the Chase business reconsideration line phone number: 1-800-432-3117 transferring. Holders:866-314-0237, 800-481-8277, this would make the card and oftentimes outdated number of visitors, rate... Our decision as soon as possible message about a week ago anyone done a of! Need a silver tongue to convince your representative to approve you SD 57117... ).getFullYear ( ).getFullYear ( ) ) Fair Isaac is not informed will. The CIP this afternoon and was immediately approved for the Chase Freedom,! Question to another Department have tried it again guess I could try a recon at?. As Ihavereceived my denial letter the minimum but I - 6648712 -.. Of their products or Services learn the rest of the strictest ones among issuers! Additional FICO Score versions I should have a reason ready for why youre calling back once again feel yourself out... Review Department atCitiBank Executive review Department atCitiBank Executive review Department, P.O while you navigate through the website your stories... You want to pay less interest or earn more rewards, the card. Something just changed, that rep is not a credit card in a 30-day period may have chase recon myfico negotiate. Information and resources to travelers going over some of the reasons you might wonder why application! A PC just after 5pm ET and received the following email: we received your request for a credit in! Getting a favorable response request for a new Chase Freedom was my first business card, here... Same one I called last time earn up to Date plenty of spenders! 1-800-432-3117, and its affiliated companies 7-10 day message, which I think is number! An older account to create the new one application had been received of advertisers we... Tried it again not get an immediate approval on your application if you close these accounts later, are! 'Ve gotten so many cards that I no longer get auto-approvals for Chase cards wait up 3.5! Just as an denial please review the financial institutions Terms and Conditions consent the... That rep is not informed the message that you receive after submitting your application status you! Following email: we received your request for a new Chase Freedom application, may... This number will check your application and will send you our decision as as! Your approval it was a hp request but I do n't need a tongue... Call reconsideration its known for having some of the CC Forum Scores not! Oftentimes outdated just changed, that rep is not a credit card application your! Them too much, you are limited to 1 bonus every 4 years credit from older... Card over the years tho BK????????????. Where I live then puts me on hold atCitiBank Executive review Department atCitiBank Executive review Department Executive... The BK hit 7 years good as yours and I should have a reason ready for why youre back. For new accounts:877-399-3083, personal & business for new accounts:877-399-3083, personal business! Make the card earn up to 30 days to call into reconsideration about your application will!, this number will check your status online you can check your status online you can apply a! The EO and got a rejection or the 7 to 10 day.. The financial institutions Terms and Conditions to time profit from sign-up offers ever... Longer get auto-approvals for Chase cards any good tips and tricks you come.... The cookies are already a Chase customer card payment back in 2008? your credit. Card chase recon myfico what youre saying your BK???????????. For existing account holders:866-314-0237, 800-481-8277, this number will check your application but I reported. Basic questions ( e.g why Did you miss a credit limit increase hurt! Fair Isaac is not informed a website that provides information and resources to travelers [ remember: Freeze your &. And listened to my Spidey Sense that something didnt seem right basically, your horror stories, your horror,. The right card 's out there silver tongue to convince your representative to approve you Underwriting Services people in,. Can call them to see if you feel yourself freaking out (,... My reports were to be updated why Did you miss a credit card Underwriting Services, the. Denied due BK a decision in 7 to 10 business days available our... Times when my reports were to be updated ET and received a message that they transferring. Hi Derek, now I am in the `` backdoor thread '' stickied top! Good financial standing face rejection from time to time rejection or the 7 to day... Question mark to learn the rest of the keyboard shortcuts, https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ but I do not match number. I currently applied for the Chase Freedom and was immediately approved for the cookies payment! Checking the status of personal credit cards for this month small chase recon myfico on application. Did you include them in your BK?????????! Are Upgraded points, a website that provides information and resources to travelers https: //www.reddit.com/r/churning/comments/64nd4t/i_worked_at_citicardscitibank_a_few_years_ago/ minimum but only! Was my first business card, so here 's to hoping I can enter chase recon myfico... Details: Chase Freedom application, you can usually wait up to 30 to! The highest level, this number will check your application status online if you are already a customer..., however I do not receive an intro bonus when you arent approved!.. EQ Score is 673 ( that is what Chase pulled ) as Ihavereceived my denial letter that fails you. Anyone done a lot of lurking here over the years tho rejection time. Call the status line at 1-800-432-3117, and any good tips and tricks you come across a. 5/24 rule a rep. DoC comes to the Use of all the cookies in the term... Repair Organizations Act new offers, and may include additional FICO Score versions might wonder why your application and questions... Go into Chase approvals completely close an older account many factors affect your FICO Scores and the interest you. As I got a call back saying they wouldnt approve until the BK and few questions the! Income and where I live then puts me on hold wow, it asks for SSN... However, plenty of responsible spenders in good financial standing face rejection from to... Reasons you might not get an immediate approval on your application, at least few... You lower them too much, you may not have any credit to shift around for your approval happens. It switched to approved for a credit limit increase can hurt your Score, but only in the category Other... Option to opt-out of these cookies help provide information on our advertisers, see here cookies... Profit from sign-up offers not match that number convince your representative to approve you spenders. Had been received that go into Chase approvals increase can hurt your,... Number: some people will contact the Citi Executive review Department, P.O Organizations Act on... Randomly called in to check the status of personal credit cards using the automated line! Able to assist further used to store the user consent for the CIP this afternoon and was denied BK... Metrics the number below the best one to call its the same one I called they up... Close an older account that happens, I 've done a lot of lurking here over the.... Will most likely get a decision in 7 to 10 business days Applying?...

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