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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.
Let’s start by going over some of the reasons you might not get an immediate approval on your Chase credit card application.
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:
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.
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.
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 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?
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.
SCROLL FOR MOREChase Personal Cards Impacted by 5/24
Chase Small Business Credit Cards Impacted by 5/24
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.
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.”
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.
Here are a few things to keep in mind when you call the Chase reconsideration line:
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.
Here are some commonly needed phone numbers for contacting Chase:
SCROLL FOR MOREType of Credit Application
Chase Contact Number
Auto Loan – Purchase New or Used Car
Auto Loan – Refinance
Credit Card Customer Service – Business
Credit Card Customer Service – Personal
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.
The information regarding the Amazon Rewards Visa Signature Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless ® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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.
Many credit card approvals can happen immediately. If you don’t get an immediate approval, you will most likely get a decision in 7 to 10 business days. However, sometimes it can take up to 30 days.
You can call a few numbers to check on the status of your credit card application or to try to overturn a denied application.
You might wonder why your application is under review when you aren’t immediately approved for a credit card. 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.
Compared to other banks, Chase credit cards aren’t the easiest to get. This is mainly due to the Chase 5/24 rule and the fact that most Chase cards require an excellent credit score for approval.
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Katie has been in the points and miles game since 2015 and started her own blog in 2016. She’s been freelance writing since then and her work has been featured in publications like Travel + Leisure, Forbes Advisor, and Fortune Recommends.
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