How To Check Your Chase Credit Card Application Status [+ Reconsideration Line Tips]

When you apply for a new credit card and don’t get an immediate approval, you might start to worry and wonder what you should do next. We’ve been there, and we know it can be stressful.

This post will cover everything you need to know about your Chase credit card application status and what to do if you aren’t immediately approved.

Reasons You Don’t Get an Immediate Approval

Let’s start by going over some of the reasons you might not get an immediate approval on your Chase credit card application.

1. You have applied for too many credit cards. This can be a problem for many of us who love travel rewards credit cards. Chase is especially tough on this one since implementing the 5/24 rule; scroll down for more information about these restrictions.
2. You already have a lot of credit with Chase. If you already have a couple of Chase credit cards open, you might be nearing the top limit of credit it is willing to extend to you.
3. You are applying for a small business credit card. Small business applications can be trickier than those for personal credit cards. You might need to provide additional documents to Chase to confirm the details of your business.
4. You made a mistake on the application. An application’s pending status can sometimes be due to a simple typo or other unintentional errors.

Chase Credit Card Application Status

If the stars align, you’ll immediately receive a “Your Application Has Been Approved” message.

If you don’t get immediately approved, don’t fret; there’s still hope. You might:

• Get a letter in the mail confirming or denying your application. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days.
• Get a message stating you’ll have a decision within 2 weeks.

Check Your Status by Phone

To check your personal Chase credit card application status by phone, call the application status line at 800-432-3117. For business applications, call 800-453-9719.

Check Your Status Online

You can check your application status online if you are already a Chase customer. After you log in to your account, click on the icon in the top left corner that looks like a column of lines.

A menu will pop up along the left side of your screen. Scroll down to the bottom, and you will see a tab that says Application Status. Click on this to check the current status of your Chase credit card application.

Chase Credit Card Application Rules

All banks have rules about how often you can apply for credit cards. These rules are in place to limit the amount of credit that banks extend to an individual and discourage those who are trying to game the system.

Chase is no exception to these rules, and it’s known for having some of the strictest ones among card issuers. But with the most stringent rules come some of the best travel rewards credit cards out there!

The Chase 5/24 Rule

The 5/24 rule is not a published rule, but it is very much alive and well. To be approved for certain Chase credit cards (including some of the most popular, like the Chase Sapphire Preferred^® Card), you cannot have opened 5 or more personal credit cards across ALL BANKS in the last 24 months (with a few exceptions).

So, what exactly counts toward 5/24?

1. New personal credit cards that you open at any bank. Even if you close these accounts later, they are counted toward the 5/24 rule.
2. Retail credit cards like cards from stores like Victoria’s Secret, Best Buy, and Amazon.
3. Being added as an authorized user to someone else’s credit card account.
4. Business cards from Capital One, Discover, and some other banks. The good news is MOST business credit cards DO NOT count against you under the 5/24 rule.

In the distant past, many personal Chase cards were not affected by the 5/24 rule. But that’s not the case anymore. Here’s 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 hasn’t been officially confirmed by Chase. 

The 2/30 Rule

This one is a bit less well-known than the 5/24 rule. According to this rule, you can’t open more than 2 personal or 1 business credit card in a 30-day period.

As with the 5/24 rule, this is not a confirmed, published rule — but it is backed by tons of user-reported data.

Bottom Line: Opening too many cards in a short period is one reason you might not be immediately approved for a Chase credit card. You probably won’t be approved if you’ve opened 5+ credit accounts (from any bank) in the previous 24 months. In addition, if you’ve 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 Sapphire Rules

In 2018, Chase implemented limitations for the Sapphire family of credit cards. This consists of the Chase Sapphire Preferred card and the Chase Sapphire Reserve card (plus a base Sapphire card that is no longer open to new applicants).

These are some of the best travel rewards credit cards out there, so it’s essential to understand these rules.

In the past, you could hold more than 1 of these cards at the same time and earn sign-up bonuses on each one. Now, you are limited to 1 bonus every 4 years!

According to Chase’s terms and conditions, you are not eligible for a sign-up bonus on either of the Sapphire cards if you are a:

“current cardmember of any Sapphire credit card, or a previous cardmember of any Sapphire credit card who received a new cardmember bonus within the last 48 months.”

Chase Reconsideration Line

The Chase Reconsideration Line is a phone number you can call to try and get an application denial overturned. You can also call the reconsideration line while your application is pending to help speed up the approval process.

It’s best to call within 30 days of denial. Otherwise, you may have to submit a brand new application.

Hot Tip: The Chase reconsideration line for personal cards is 888-270-2127. The Chase reconsideration line for business cards is 800-453-9719.

Reconsideration Line Tips

Here are a few things to keep in mind when you call the Chase reconsideration line:

• Application errors or typos: Be sure to mention any typos or mistakes you may have found in your application that could have contributed to your “pending application” status or denial.
• Offer to move credit around: One reason for a denial is that the bank has already extended a large amount of credit to you. If you don’t mind keeping the same overall amount of credit, offer to reduce the credit limit on another card to make room for the new one.
• Mention why you want the new card: If the card you are trying to get approved for offers specific benefits that you want to utilize, be sure to mention that to the representative. Explain to them how you plan to use the new card. Do not, however, mention the sign-up bonus. Credit card companies don’t want to extend more credit to someone who just wants a card for the bonus, so it’s best not to mention it at all.
• Be friendly: Despite your level of frustration, keep a friendly attitude. The person on the other end of the line is just doing their job; being rude won’t get you anywhere.

Chase Small Business Credit Card Application Tips

Applying for a small business credit card can be a bit trickier than applying for a personal card. While you don’t have to have a registered business to apply for a card, you could have to show some proof of the legitimacy of your business.

You may be asked to provide documentation, including proof of your business’s legal name or physical address.

Hot Tip: If you don’t 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.

How To Contact Chase

Here are some commonly needed phone numbers for contacting Chase:

Final Thoughts

Applying for a new credit card can be stressful — especially if you don’t get approved immediately. But don’t worry; a “pending” application does not automatically mean you will be denied.

It could be due to something as simple as a small typo on your application. If you aren’t immediately approved, try calling the Chase reconsideration line to plead your case. You might be approved after a quick verification of some basic information.

Chase offers some of the best travel rewards credit cards out there. Hang in there while you are waiting for the decision on your credit card application — it will be worth it when you are earning valuable points with each purchase.