To contact the Chase reconsideration line, call 1 (888) 270-2127. Calling the U.S. Bank reconsideration line is a way for credit card applicants to request a second review of their application and potentially get their denial overturned. In the case of U.S. Bank, the reconsideration line is the same as the issuer’s general customer service number.
If you call to request reconsideration from U.S. Bank, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.
For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.
You’re unlikely to be successful in overturning your denial, unfortunately, but there’s no harm in trying.
This answer was first published on 02/22/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Calling the reconsideration line isn't a guarantee of approval, so you should be prepared to hear the word “no” from the representative. If this happens to you: Consider calling back on a different day: Sometimes, one customer service agent may be more receptive than another, so it doesn't hurt to try again.
What to say to Chase reconsideration? ›
What to say for credit card reconsideration
- State your name and why you're calling. ...
- Tell them why you're an ideal cardholder. ...
- Mention the denial reason and how you can overcome the issue. ...
- Ask that they reconsider your application. ...
- Thank them for their help.
Chase 2/30 rule: Too many new cards in one month? Some credit card experts believe that Chase is also likely to decline new card applications if you have opened two credit cards within 30 days. This is known as the "2/30 rule." Because I had just opened two new cards, Chase was reluctant to let me open another.
What is the 5 24 rule for Chase? ›
According to the 5/24 rule, you won't be approved for a Chase credit card if you've opened five or more cards from any bank (excluding most business credit cards) in the past 24 months, even if you have an excellent credit score.
What is the 2 48 rule for Chase? ›
You can receive a Chase Sapphire bonus more than once. If it's been more than 48 months since you've last earned a bonus on either the Chase Sapphire Preferred or Chase Sapphire Reserve card, you can earn the bonus again.
Does Chase give second chances? ›
Chase credit cards typically require good or excellent credit for approval. Second chance credit cards are designed for people with bad credit, so you can be approved for one even if you've made some financial mistakes in the past.
How to win a credit card reconsideration? ›
Tips for Getting Your Credit Card Application Reconsidered
- Review your credit reports. ...
- Have a reconsideration angle in mind before you call the card issuer. ...
- Be as polite and helpful as you can be. ...
- Be willing to negotiate. ...
- Make sure your reason for wanting a new account is acceptable to the bank.
Don't Lie About Your Credit Card History
Customer service representatives can easily pull up your credit card history while you're on the phone, so there is no use in bending the truth.
Why do I keep getting denied by Chase? ›
Reasons why you might get denied for a secured credit card
Currently being unemployed or having insufficient income history from a new job that has only started in the last few weeks. A series of missed payments or defaults on previous credit cards and a bankruptcy filed in the past few months.
What is the Chase 542 rule? ›
Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
Chase's 5/24 rule prevents you from being approved for most Chase credit cards if you've opened five or more credit cards within the past 24 months.
Which is the easiest Chase credit card to get? ›
The easiest Chase credit card to get is the Chase Freedom Rise℠, as applicants can get approved for this card with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom Rise℠ much easier to get than other Chase credit cards.
What is the Chase 0 30 rule? ›
Chase 2/30 & 1/30 Rules
Second, while Chase has a 2/30 rule, meaning you can only be approved for 2 Chase cards in a 30-day period, Chase has a 0/30 rule for business cards. Unless it has been more than 30 days since your last Chase application, your application is denied automatically (at least most of the time).
What credit agency does Chase pull from? ›
Which credit bureau the bank uses the most often depends on which state you live in. Based on anecdotal information, Chase generally uses credit data from Experian. However, Chase may opt to review your Equifax or TransUnion credit reports instead depending on which state you live in.
How many inquiries are too many for Chase? ›
Hard pulls can affect your credit score and may also hurt your eligibility for new credit cards and/or loans — especially if the number of inquiries reaches six.
Are Chase disputes instant? ›
The time it takes to resolve your dispute depends on the type of dispute and the merchant, but it may take up to 60 days for credit card disputes and 90 days for debit card disputes. Keep in mind, disputes are often resolved more quickly if you contact the merchant first.
How long do I have to call the Chase reconsideration line? ›
I think you should wait until you receive the official denial letter in your Chase dashboard or by snail mail. This letter provides you with written reasons for denial, equipping you with valuable information to make your case during the reconsideration call. But don't wait more than 30 days after you've applied.
Is Chase Reconsideration line 24:7? ›
Chase Credit Card Reconsideration
Personal: 1-888-270-2127, open: 8am-10pm Monday to Friday. 8am-8pm Saturday & Sunday.
Does 7 to 10 days mean denial Chase? ›
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.
