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