One of the great things about applying online for a credit card is you can get a decision within a matter of minutes. Sometimes, however, it can take a bit longer to get an answer. If you have recently applied for a Chase credit card and got a message saying your application is still pending a review, there are a couple of things you can do rather than continue waiting for an answer. Show
New Customers: Checking Application Status by PhoneChase does not have a way to get additional information online about your credit card application, but they do have a telephone number that allows you to check on the current status of your application. Call the Chase automated telephone helpline at 888-338-2586. Enter your social security number at the prompt, and wait for the automated update on your Chase application status. Existing Chase Customers: Checking Application Status OnlineAlthough there is technically not an online method for checking a new credit card application status for either new Chase customers or existing Chase customers, there may be a way to get information about new credit approval prior to any official notification receipt. If your Chase credit card application was denied or is still pending, there is no way to get information online. If your account was approved, you may be able to see this through your online customer portal. The new credit account may show up when you login to your existing Chase credit card account or online banking account. Sometimes this can happen a few days before you receive a decision electronically or in the mail. Application ReconsiderationIf your application has been denied, you can call Chase’s reconsideration line and request they reconsider. You can even call the reconsideration line if your application status remains in the pending review status for a few days. By calling the reconsideration line, you may be able to get an immediate decision while on the phone. For Chase application reconsideration of personal cards, you can call customer service from 7 am–10 pm EST Monday through Friday, 8 am–10 pm EST Saturday, and 9 am-9 pm EST on Sunday. Applicants requesting reconsideration of a Chase business credit card can call their customer service number from 8 am-10 pm EST on Monday through Friday. Reasons for the Application Pending Review StatusOne of the biggest reasons an application gets put into the pending review status is inconsistent information on the application and credit report. For example, if the name or address on the application does not exactly match what is listed on the credit report, it can prevent an immediate decision. Chase representatives may need more information or clarification from an applicant regarding the reasons for the discrepancies. In addition, banks may require verification of the income listed on the application. In such cases, the applicant may need to send over pay stubs or tax returns before the credit decision can be completed. Another major reason an application may be marked as pending review is if there are signs of suspected fraudulent activity. A credit report that shows a high number of recent credit inquiries or new accounts could be the result of fraud or identity theft. As a result, the bank will flag the application for review rather than approving the credit application. In these cases, you’ll just need to call in order to verify your identity and intent to apply for the new credit card. Not getting an immediate online response to your Chase credit card application can be a hassle, but the delay is often for the customer’s protection and can be cleared up with a simple phone call. Recommended for youAre you trying to find out how to check your Chase credit card application status? Or did you receive a message stating that your application is “under review” and that you will hear back in 30 days, 7 to 10 days, or even two weeks? This article will show you exactly how to check your Chase credit card application status in three easy ways. And it will also show you what each of these “under review” messages mean like the 30 day, 7-10 day, and 2 week messages and what you should do after you receive one of these. I’ll also give you some much needed information that can help you overturn a denied application via the Chase reconsideration line. Interested in finding out the top travel credit cards for this month? Click here to check them out!
The automated phone number to check your Chase credit card application status is: 1-888-338-2586. If that doesn’t work, older numbers might work:
You should be prompted to input your social security number, and then you’ll simply wait to hear the status of your credit card application. Be aware that sometimes you might be taken directly to an agent. If you don’t want to talk to a live person then just hang up the phone and there should be no harm. However, if you do want to talk to them then you need to read more about Chase reconsideration (which I talk about below). Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings! Can I check my credit card application status online?Yes, you can check your application status online but only if you have an account with Chase — if you’re a new customer, you’ll just have to settle with calling the automated phone number above. For a while, Chase didn’t have the ability for you to check your status online but now it’s very easy. I will break down the steps below. Step oneLog-in to your Chase account. Step twoOnce you are logged in, click on the three bars on the top left side of the screen.  Step threeYou will now see a side bar menu and there will be an option for you to select “Application status.” Look for the option at the bottom of the menu. Once you click on that, you will be taken to the “My Applications” page and you should see all active applications there. If you are still using the old Chase interface, follow the instructions below. Log-in to your account and then go to the “Customer Center.” On the right side of the screen you should see a section called “Open a New Account” and underneath that a link you can click that says “Check my application(s) status.” Click on that and you should be able to view your recent credit card applications which could include:
Secured messageSome people prefer to check their application status via a secured message. If you want to do this, then log-in and go to the “Contact Us” and click on “Send us a message” using the Secure Message Center. This will be the slowest method to get your answer, though. So I would prefer to go with calling in or just checking online. Chase application status for loansNote that there are different phone numbers that you can call to check on the status of your applications for other loans like mortgages and auto loans. These numbers can be found below.
What does your Chase credit card application status mean?Chase is known for sending out different types of messages when you apply for one of their credit cards and don’t get automatically approved. These messages can give you an indication on whether or not you can expect to be approved. 30 day messageOne of the most common messages to get after you are not automatically approved for a Chase credit card is the 30 day message. If you receive this message all it means is that your application is being processed. Sometimes it means that the computers are just back-logged and for whatever reason can’t spit you out an automatic approval. Other times it means that your application will likely be reviewed by an actual person (manual review). At this point, you can just sit back and wait a few business days or usually at most a couple of weeks for Chase to get back to you. Or, you can be more proactive and you can consider calling into the reconsideration phone line but you may want to just hold off (more on that below). Two week messageIf the automatic status checker changes and tells you that you’ll be notified in two weeks, then you should be very happy because this message almost always means that you will be approved! So I would recommend that you just be patient and await your approval email (assuming that it is coming) but you could also call in from time to time to check on it until you hear the official word. Eventually, you will hopefully receive a message like the one below! 7 to 10 day messageIf the automatic status checker changes and tells you that you’ll be notified in 7 to 10 days, I’ve got some bad news…. This message often means that you will be denied. There are some situations where people receive the 7 to 10 day message and all they had to do was call in to verify some sort of personal information. For example, there could have been a discrepancy with the address they put on their credit card application versus the address that showed up on the credit report. Or, Chase just might want to make sure that it was actually you who applied for the credit card. In that case, you might just have to answer a couple of easy security questions. For example, you might have to verify your old address or a car that you once owned. So if you receive this message there still is some hope that you might get approved but for the most part you should expect a rejection to come. At this point, you may want to go ahead and call into the Chase reconsideration line at: 1-888-270-2127. Chase credit card application rulesChase has some very specific credit card application rules that you want to make sure that you are following.Two of the most popular rules are the 5/24 rule and 2/30 rule. Hopefully, you already had an idea about these rules before you ever applied and you made sure that you were not violating any of these rules. However, if you just applied and were not automatically approved then you should read up on these rules and you might be able to find out why you were not approved. If you are in violation of these rules, you stand a very, very small chance of getting approved and you should probably just expect to be denied. But, if you were not in violation of any of these rules, and you were not automatically approved then you should probably look into calling into Chase reconsideration. Chase reconsideration lineThe Chase reconsideration line is your opportunity to plead your case and try to convince Chase to approve your credit card applications and even overturn rejections. The goal here is to show Chase that you had a legitimate need or desire to open up a new Chase card or multiple cards so that they will reverse their decision and approve you for a card. The Chase reconsideration line phone number is 1-888-270-2127. The Chase reconsideration hours of operation are usually:
How to handle a reconsideration callThere are some things that you don’t want to say in a phone call like this and then there are some things that you do want to say. For example, you don’t want to tell Chase that the primary reason you are chasing a credit card is the amazing 50,000 point sign-up bonus. That makes you sound like an unprofitable customer (or even worse a “gamer”) and you are going to have an uphill battle to get approved once that happens. But if you have a more legitimate reason for needing cards such as the need to segregate your expenses then Chase will likely be more onboard with your reasons for getting the card. I suggest that you check out my article on the Chase reconsideration line and it will break down everything that you should say (and should not say) in a reconsideration phone call. Chase business reconsideration lineLastly, if you have applied for a Chase business credit card then there will be additional questions that you need to be prepared for in the reconsideration call. These reconsideration calls for business credit cards are usually more intense and can be a little bit more stressful to get through. So I highly suggest that you check out my article on Chase business reconsideration calls — it will walk you through everything you need to know to prepare for a business recon Phone call. FAQHow can I check my Chase credit card application status via phone? The automated phone number to check your Chase credit card application status is: 1-888-338-2586. Can I check my Chase credit card application status online? Yes, you can check your application status online but only if you have an account with Chase. What does the 30 day message mean? If you receive this message it most likely means that your application is being processed. What does the two week message mean? The two week message usually means you will be approved. What does the 7 to 10 day message mean? This message often means that you will be denied (but not always). Final wordChecking your application status with Chase is a little tricky because of all of the different types of messages that you can receive when your application is not automatically approved. But, once you understand what each of these messages mean it is actually pretty easy to get a sense of what to expect when it comes to your approval. Daniel Gillaspia is the Founder of UponArriving.com and creator of the credit card app, WalletFlo. He is a former attorney turned full-time credit card rewards/travel expert and has earned and redeemed millions of miles to travel the globe. Since 2014, his content has been featured in major publications such as National Geographic, Smithsonian Magazine, Forbes, CNBC, US News, and Business Insider. Find his full bio here. How do I check the status of my Chase credit card application?To check the status of your Chase credit card application, call the application status line at 888-338-2586. You can check your status online if you are a current Chase customer. After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status.
How do I speak to a live person at Chase Credit Card?Credit Card: 1-800-432-3117. Go to chase.com/customerservice for call center hours. Personal Banking: 1-800-935-9935.
How long does it take for Chase to approve my credit card application?Credit card issuers are required by law to respond within 30 days, but online applications may be approved in a few minutes.
What does it mean if my Chase credit card application status is under review?If your Chase credit card application status is under review, that means your application has not yet been approved or denied. Don't read too much into it, though. You'll hear back within 7-10 business days of applying in most cases, when you don't receive a decision instantly.
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Phone number for chase credit card application status
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