How to Check Your Chase Credit Card Application Status

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Chase does not always immediately approve or deny you. Many times Chase needs more time to consider your application.

In this post, we will discuss how to check your application status, potential reasons for a denied application, and how to get Chase to reconsider your application.

Checking Your Application Status

You can check the status of your personal or business Chase credit card application by calling 1-888-270-2127

The system is automated and will request the last four digits of your social security number.

Calling is the most accurate way of checking your application status, but you can check it online if you already have a Chase account.

To check the status online, sign into your Chase account and click the hamburger menu in the top left.

Chase Online Application Status

Next, you should select the “Application Status” in the bottom left to check the current status of your credit card application. 

Chase Application Status Online 1

What do the Chase Status Messages Mean?

When you check your Chase application status by phone you will be given one of the three application status messages:

30 Days Status Message

A 30-day message means that Chase needs more time to consider your application. Wait a few days and call 1-888-270-2127 to check the status.

2 Weeks Status Message

A two week message typically means that your application has been approved! Congratulations, your card should arrive within 7-10 business days.

7-10 Days Status Message

A 7-10 day message typically means that your application has been denied.

You can either wait for the rejection letter or call Chase reconsideration line at 1-888-270-2127 and plead your case.

In some situations, Chase merely needs to verify some of your information. For example, if you recently moved or something on your application did not match your credit report.

For business cards, Chase will likely request business records or ask further questions about your business operations.

Reasons for Chase Denial

Chase has several application rules that could be the reason for your denied application. 

These rules are not officially published by Chase, but these rules almost impossible to get around. 

Chase 5/24 Rule

Chase will automatically deny your application if you have opened up five or more personal credit cards in the last 24 months.

This rule applies to all Chase credit cards, which is why you should prioritize Chase credit cards before any other card issuer.

Business card do not count towards your 5/24 total, with the exception of business cards from Capital One, Discover, or some other smaller banks.

2/30 Rule

Chase will automatically deny your credit application if you have opened more than 2 personal credit cards within the last 30 days.

For business cards, the limit is one card every 30 days. 

We recommend you space out your Chase applications to one application every 45 days because Chase has a history of shutting down all of a customer’s credit card accounts if they have opened too many cards too quickly.

One Sapphire Rule

Chase has two great travel credit cards, the Sapphire Reserve and the Sapphire Preferred. 

However, Chase limits you to only one of these cards.

You will have to decide if you want the Sapphire Reserve, which has a $550 annual fee, but a $300 travel credit, airport lounge access, and many other great benefits. 

Or do you want the Sapphire Preferred, which has a $95 annual fee, earns 2x points on travel and dining, trip-delay protection, and primary rental car insurance.

Southwest Airlines Rule

Chase limits you to one Southwest personal card and one Southwest business card. 

If you currently have a Southwest credit card and want a new bonus, you would need to cancel that card and re-open a new one at least 24 months from that card’s sign up bonus.

You could previously sign up for two personal cards and get Southwest’s great Companion Pass, but now you have to sign up for one personal and one business card to reach the Companion Pass.

Heightened Business Card Requirements

Chase has made it much more difficult to obtain business cards in light of the COVID-19 pandemic.

Previously, people could qualify with a yearly business income of only a few thousand dollars.

Now, Chase requires a much higher level of business income and requires more documentation of your business activities to minimize their risk.

Chase Application Reconsideration

If you credit card application was denied, you can still request Chase reverse their decision by talking to a Chase credit analyst.

You will need to call 1-888-270-2127 within 30 days of your denial. 

The reconsideration line is typically open Monday through Friday 7:00 AM to 10:00 PM EST; Saturday 8:00 AM to 1:00 PM EST; and 9:00 AM to 9:00 PM EST.

If you violated one of the application rules above, like the 5/24 Rule, reconsideration is almost impossible.

Chase Reconsideration Tips

When you call the reconsideration line, you want to show that you are not a credit risk and you are not an unprofitable customer.

Chase wants to see that:

  1. You spend money on your other Chase credit cards.
  2. You have a good relationship with Chase either with previous cards, a checking account, or other loans.
  3. You pay off your credit card balances each month.

When you call, Chase will ask you to verify your identity and other information on your application including address, income, or assets.

You will then need to give a legitimate reason for wanting the credit card. Do not say because “the card offers a great sign-up bonus.”

A few examples of reasons for wanting the card could be:

  1. The card’s travel protections or another benefit.
  2. The ability to collect airline or hotel points.
  3. A need to segregate expenses.

If the credit analyst pushes back, you could offer to:

  1. Reduce your credit limits on other cards.
  2. Shift your credit limits from another Chase card to the current one.

If you are still denied, you could hang up and call again (HUCA). We advise waiting at least a day in between calls to avoid Chase thinking you are trying to game the system.

The Verdict

Applying for a Chase card can be stressful, especially with all of their application rules. 

If you are not instantly approved, wait a few days and call 1-888-270-2127.

If you get the two week message, you can start doing your happy dance.

If you get the 7-10 day message, you may want to call the reconsideration line.

Frequently Asked Questions

You can check the status of your personal or business Chase credit card application by calling 1-888-270-2127.


Current Chase customers can also check their status online by logging into your Chase account, clicking the menu icon in the upper left corner, and scrolling down to Application status. 

If you get the 7-10 day message from Chase, your application has likely been denied. You can request reconsideration of this decision by calling 1-888-270-2127.

The 30 day Chase application status message means that Chase needs some time to price your application. You can check your status by calling 1-888-270-2127.

If you get a 7-10 day message, that means your application was likely denied. If you get a 2 weeks message, your application was likely approved.

You can check your application status by phone by calling 1-888-270-2127.

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