phone number for chase credit card application

You should call this first. The Chase Automated Credit Card Application Phone Number is: (800) 432-. Choose from our Chase credit cards to help you buy what you need. To apply for this card, Among the contestants are phone numbers, zip-codes, and such. Your full legal name. · Your SSN and/or ITIN. · Your mailing address. · Your gross annual income. · Your employment status. · Your housing costs. · Your phone number.

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What to Do If You Get Rejected for a Chase Credit Card

Have you ever applied for a credit card online and didn't instantly get approved? The first thing you need to check is if you were rejected or if they're still making a decision by calling the reconsideration line. A lot of people who aren't automatically approved assume they've been rejected.

If you're not instantly approved for a card, call the automated status line immediately to check the status of your application. The number may change in the future. h/t Doctor of Credit for the most updated list of recon phone number for chase credit card application line phone number: 888-270-2127 

Once you make the call, they're going to give you a message. If it says they'll let you know within 30 days, it means Chase has not processed the application yet. However, if the message says two weeks, this typically means you're approved. If it says 7-10 days, then it typically means you were rejected for the card.

Important note: these are based on phone messages and not email communication. 

If you have the 7-10 day message, this likely means you were rejected. You can either wait for a letter or immediately call the reconsideration line to see if they will approve you. Before calling the reconsideration line, there are two rules you need to be aware of:

1. Chase 5/24 phone number for chase credit card application if you opened more than five credit card accounts within the past 24 months, you'll automatically be rejected. 
2. Chase 2/30 - if you have more than two applications within the past 30 days, Chase will not approve you. 

Reconsideration Line

When you call the reconsideration line, you're trying to convince the person on the other line to approve the application. You're usually speaking to a credit analyst, so be sure to call during business hours. These calls can vary drastically depending on what your credit profile looks like.

For example, my friend called the reconsideration line after applying for two Southwest credit cards on the same day and had to explain that they were aiming for Companion Pass. After explaining why they wanted the card, the analyst approved the card.

Again, depending on the specific reason the application is under review, your mileage may vary. 

Another scenario is that Chase typically issues a total credit limit equivalent to half of your income. You may have to reallocate or lower the credit limits on some cards to get approved for a new card.  

If you go through the reconsideration process and they still don't approve you, it might be worth hanging up and trying again a few hours or days later.

One other factor to consider is that if you are relatively new to credit, it's hard to get approved for travel cards like the Chase Sapphire Preferred or the Chase Sapphire Reserve. If you get rejected, the strategy would be to build a relationship with Chase by getting a Chase Freedom for 3-9 months before applying for a higher tier card.  


Are 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 phone number for chase credit card application 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! 

How to check your Chase credit card application status

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:

  • 1-800-432-3117 and 1800-436-7927 for personal cards
  • 1-800-453-9719 for Chase business cards. 

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 one

Log-in to your Chase account.

Step two

Once you are logged in, click on the three bars on the top left side of the screen.

Step three

You 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 message

Some 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 loans

Note that there are different phone numbers that you can call to check on the status of your first national bank of jeanerette customer service for other loans like mortgages and auto loans.

These numbers can be found below.

Auto loan – Purchase New or Used Car1-866-804-6781
Auto loan – Refinance1-866-481-4254
Home equity1-888-e4CHASE (1-888-342-4273)

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 message

One 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 message

If 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!

Chase reconsideration line tips

7 to 10 day message

If phone number for chase credit card application 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. Phone number for chase credit card application 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. Phone number for chase credit card application 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 phone number for chase credit card application 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 rules

Chase 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.

The 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:

  • 7am to 10pm EST Monday through Friday
  • 8am to 1 pm EST Saturday
  • 9am to 9pm EST on Sunday

How to handle a reconsideration call

There 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.

Lastly, 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.


How 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 word

Checking 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.

UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Daniel Gillaspia

Daniel Gillaspia is the Founder of 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.



Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest phone number for chase credit card application, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.


Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.


To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.


Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution phone number for chase credit card application. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.


Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.


Cardmembers are responsible for the cost of any goods or services phone number for chase credit card application by the Visa Signature Concierge on cardmembers’ behalf.

one main financial ohio 8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917


Earn 5% cash back on gas

anywhere Mastercard is accepted

(on first $6,000 per year, then 1%)**


Sam's Club
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Sam's Club

Earn 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back**


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Earn 3% cash back on dining and takeout**


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Earn 1% cash back on other purchases**


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Acceptance at all Sam's Club

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Doubles as your membership card


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This page contains a list of reconsideration line phone numbers. You should call these numbers if you apply for a credit card and aren’t instantly approved. 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 you’ll be approved for the card over the phone. All times on this phone number for chase credit card application are in EST (Eastern Standard Time). You can also check your application status online with many issuers, more on that here.




We keep this page regularly up to date.


Main Credit Card Issuers

  • Personal & Business for new accounts: 877-399-3083
  • Personal & Business for existing account holders: 866-314-0237
  • Both open the following hours:
    • 8am-Midnight Monday to Friday
    • 10am-6:30pm Saturday
    • Closed Sundays
  • Personal: open 8am-7pm Monday To Friday.  Spanish number is now unfortunately dead. They seem to frequently change the reconsideration number, try one of the below
    • 888-762-5486
  • Business: 888-782-7717 or 888-569-4436
    • 800-481-8277, this number will check your application status. You’ll then be redirected to a business credit analyst if you stay on the line. Alternatively try  888-663-6262. Open 8am – Midnight everyday
    • 1 800 601 3923
  • You can also view a pending applications status online or by calling 877-721-9405 then pressing 3, followed by your social security number

FIA Card Services

Bank of America is a subsidiary of FIA. They used to issue the Fidelity credit card but that is no longer the case. You can use the following numbers:

  • 866-505-7481 English speaking number
  • 866-865-7843 Spanish speaking number (they also speak English and generally people have more success calling this number).

Capital One doesn’t really have a reconsideration number. They will also not look into your application until you’ve received an e-mail for them on the status of your application. For your best bet we’d recommend calling the first number.

  • (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
  • (800) 707-0489 – Senior Escalation Account Mgrs.
  • (800) 933-5182 – option 3: application status
  • (800) 889-9939

HT to flyertalk for this information.

  • Personal: 1-888-270-2127, open:
    • 8am-10pm Monday to Friday
    • 8am-8pm Saturday & Sunday
  • Business: 800-453-9719, open 1pm-10pm Monday to Friday
  • J.P Morgan (for the Ritz-Carlton card): 800-527-7415
  • Personal: 800-695-5171 8am-Midnight everyday
  • Business: 800-763-9795  (866-541-7657) 7am-midnight, every day
  • 888-676-3695 or 1-800-DISCOVER
  • 800-947-1444 or 800-685-7680
    • 8am – 8 pm Monday to Friday
    • 9 am – 6 pm Saturday
    • Closed Sunday

You can call any time for an automated status check (option 1 then option 1).

[Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card]

  • 1-866-412-5956, open 9am till 9pm Monday till Friday
  • 1-800-967-9521, open 8am – 7PM on Saturday
  • You can also check the status of your application by calling 1-877-514-3717

Smaller Issuers


  • 800-328-1925 (apparently it is 1935 instead of 1925)

Banco Popular



  • Doesn’t accept reconsideration by phone. You must send an appeal letter to overturn their decision.

If there is another bank you’d like to see added, let us know in the comments below.



Get a live person on the phone

Chase Phone Customer Service
  • For help with existing accounts you need to dial 800-935-9935.
  • For credit card customer service you need to dial 1-800-432-3117.
  • For current Chase home equity customers you need to dial 1-800-836-5656.
  • To contact homeowner’s insurance inquiries you need to dial 1-877-530-8951.
  • For service on existing accounts you need to dial 1-800-935-9935.
  • For service on existing accounts you need to dial 1-800-935-9935.

Chase Social Support

Chase Mail Corolla beach rentals 2018 Card Payments:

Cardmember Services

P.O. Box 94014

Palatine, IL


Contact Us for Personal Banking:

National Bank By Mail

P O Box 36520

Louisville, KY 40233-6520

Exclusive address for Notices of Error, Requests for Information, and Qualified Written Requests:


P.O. Box 183166

Columbus, OH 43218-3166

For General Correspondence:

Card Services

P.O. Box 15298

Wilmington, DE


Reach Real Person in Chase by Phone, Live Chat, Social Network

Make sure that you tried multiple options when reaching customer service. If live customer service agent is not available by phone, try live chat. Frequently direct message via Chase Facebook account or Chase Twitter account may get you a customer representative quickly, so try it too. If you want to file a complaint or submit a positive feedback you may leave your comment or complaint under Instagram or Youtube post and in many cases the business will respond to it. For your convenience all of these customer service contact options for Chase are provided above.

What to do if Chase Live Person Contact Information Is Not Working?

It is typical that customer service menu options change with time. Customer support options and even contact phone numbers might be removed and added. If you have problems with getting a real person in Chase customer service with instructions above alexis texas naughty america leave the comment in the comments section below and we will improve this guide. We are constantly monitoring the customer service contact numbers, e-mail and chats to make sure the instructions on How to Talk to a Live Person in Chase Customer Service are the most accurate.

If you successfully reached a live customer service agent in Chase please leave your instructions in the comments section below so everyone can use it.

Updated on in Banks


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