If you recently applied for a Chase credit card and received a message that your application is pending review, here is a guide on how to check your Chase credit card application status and how to call the Chase reconsideration line to ask Chase to reconsider their decision (if you are denied) or to ask them for an immediate decision (if your application is still being reviewed).
How to Check Chase Credit Card Application Status
How to Check Your Chase Application Status By Telephone
Chase has an automated telephone line that you can call to check the status of your recent credit card application.
To check your Chase credit card application status call 888-338-2586 and enter your social security number to check your status through the automated system.
How to Check Your Chase Application Status Online
Unlike most other banks, Chase does not have a page to check your application status online (unless you are already an existing Chase cardholder). If you are not currently a Chase cardholder the only way to check your application status is to call the phone number above.
If you already have another Chase credit card and have an online banking account, you will see a new account added to your online profile before receiving an email that you are approved.
If you don’t see a new credit card account in your online profile, you can still check online if your application is denied or under review.
To check your application status online while you are logged into your chase.com online profile, click on the 3 horizontal lines on the top left hand side of your account. If you hover over the lines it will say “Main menu”.
The main menu will appear on the left side of your account. Towards the bottom you will see an “Application Status” option.
Click on “Application Status” to see your application status.
Chase Credit Card Application Status Results
After checking your Chase application status by telephone or online you might find that you are approved or denied or that your application is still “under review.”
If your application is still “under review”, Chase will give you an expected timeline for their decision which is a strong indication of the probably of being approved or denied.
If the message says you be informed in 7 to 10 business days, you will likely be denied so it might be a good idea to call the Chase reconsideration line to ask them if they need any more information or to convince them to approve you.
If the message says you be informed in 2 weeks, you will likely be approved so it might not be worth calling the reconsideration line unless you want an immediate decision.
If the message says you will be informed in 30 days, it probably means that your application has not been reviewed yet or that Chase needs more information and it could go either way. If you wait about a week and check again, Chase might change the timeline to one of the options above. If not, you might want to call the reconsideration line.
If you applied for a business card, I recommend waiting and not calling unless you are denied (or get the 7 to 10 days message) since you will probably be asked a lot of questions.
Chase Reconsideration Line
If your application was denied, you can call the Chase reconsideration line and ask them to reconsider their decision. Keep in mind that if you get denied because of the Chase 5/24 rule it will be difficult to get Chase to reconsider.
Even if your credit card application is still under review, you can call the reconsideration line to check on your application and ask if they need any more information.
If Chase is unwilling to extend you more credit and you already have other Chase cards, you might be approved if you ask the representative to move some of your credit from one of your other credit cards or ask them to close one of your other card accounts.
The Chase reconsideration line phone numbers are as follows:
• Personal cards: 1-888-270-2127
• Business cards: 1-800-453-9719
Good luck!
Probably a silly question, but I’m new to the game. I just applied for a Chase ink card and have a pending decision. I already have the Sapphire Reserve. Will it show up in my personal account? Or is this account totally separate and I won’t see it there?
Thanks in advance!
it will not show up on your personal account, I have a separate login for Ink and for CSR
You have to create a separate online account for Business cards but that business account login can have all of your personal credit cards as well. The person card login will not show your business account though.
Why don’t you recommend calling in for a pending business card?
Hi Ari, if you call the Chase reconsideration line for a business card you will be asked a lot of questions about your business, income etc. and you are less likely to be approved. Many people including myself have been approved for a business card by just waiting. If you are denied, you could always call then.
Hi, just to update you – I ended up taking your advice and impatiently waited. Two weeks later I got an email that welcomes me to chase business. Now I’m waiting for the card in the mail (it’s been two weeks). How do I view all my business and personal cards in the same view?
Thank you again!
Happy to hear you got approved! The only way to view both personal and business accounts together is to add your personal accounts to your business online profile. You can’t add your business accounts to your personal profile. Personally, I keep my personal and business accounts separate.
But can I transfer my UR points from my business to my personal or vice versa?
Yes by going to the combine points option on the Ultimate Rewards website. They don’t have to be under the same online profile to do transfer points between them.
Hi! Thanks for this post, I also recently applied for a Chase Freedom Card and didn’t get any confirmation of approval/denial of my application, until I logged in online for my Chase debit and saw the new account. What a relief haha! How long after you saw the new account online did you receive your card in the mail?
Thanks!
I don’t remember exactly but I think about a week.
Hi!! Im new to all this, i have a question, don’t know if you guys can help me. I applied for chase card about two weeks ago and i just got a letter that said: they cant approve my request because “lack of recent consumer finance company account information ” what can i do?!!
What that means?
Hi, does pending or under review indicates a possible denial? Or if it’s a denial, would it have denied immediately?
It is rare to be denied immediately. It could be a possible denial or you might eventually get approved. Some people call the reconsideration line while the application is pending but I prefer to call only if I am denied.
I was approved today for the Southwest Plus card. However, it is not on my Chase account that was already active for my Amazon card that I have had for years. Why is it not already linked up? I cannot find anything about this on the internet. Thank you for your post with the numbers. I received the “we need more time” email when I applied this morning. I decided that I would just go ahead and call this afternoon. I am glad that I did because the issue was with my name because I recently got married and my new name was not matching their records for me. I was approved over the phone.
I applied for the IHG card on call and they said it will be reviewed.
Called the reconsideration helpline the next day and they said it was declined as I had only 1 other credit card !!
They asked whether I had other chase accounts etc and since I had both a checking account and savings with them, they asked multiple other questions and finally approved me with a small credit limit.
Thanks to this blog, got the reconsideration helpline details.
Thank you SO MUCH for this article! I used the phone number to check my application status, and when the credit line awarded was lower than I wanted, I requested – as you suggested – that some credit be moved from another Chase card. Perfect solution!!
Hi, am new here, my question is if apply for chase card and got the 7 to 10 days pending app an they will contact me by mail and if I was rejected I have a chase Southwest for about 3 month my score went down EQ was 745 and Experian was 703 why I went pending ?? Thankd
I called the reconsideration line same day I got message that approval for card was pending, because I needed to know if I could plan on it for our trip. The associate suggested moving credit from two of my other cards (which I was ready to ask about) and took only about five minutes to get card approval. Thanks for this very helpful info!
You’re welcome! Glad it worked out.
It worked for me too, was approved in 10 min after verifying. Thanks for the number!!!
I just applied for Chase Saphire Reserved card — didn’t get approval instead got email receipt of chase application .. this is surprise for me as I have credit score of 780+ .. I called the application status helpline and automated response told me that they will let me know in 30 days which si very late .. I planned trip and want to buy tickets with this new card? Can I call reconsideration line and ask the reason for not immediate decision? Will it increase chances of approval or will act against it? Please let me know ..
Any updates on the matter? I’m in the same situation
it will take 10 business days for Chase to make a decision even if they say 30.. so wait for 10 days and you should get an email if not call their customer service and they will let you know the decision immediately.. after that you should get card in 2 days .. all the best …