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How To Check Your Chase Credit Card Application Status [+ Reconsideration Line Tips]

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Katie Seemann

Katie Seemann

Senior Content Contributor

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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 an...
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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.

Reasons You Don’t Get an Immediate Approval

Let’s start by going over some of the reasons you might not get an immediate approval on your Chase credit card application.

  1. You have applied for too many credit cards. This can be a problem for many of us who love travel rewards credit cards. Chase is especially tough on this one since implementing the 5/24 rule; scroll down for more information about these restrictions.
  2. You already have a lot of credit with Chase. If you already have a couple of Chase credit cards open, you might be nearing the top limit of credit it is willing to extend to you.
  3. You are applying for a small business credit card. Small business applications can be trickier than those for personal credit cards. You might need to provide additional documents to Chase to confirm the details of your business.
  4. You made a mistake on the application. An application’s pending status can sometimes be due to a simple typo or other unintentional errors.

Chase Credit Card Application Status

If the stars align, you’ll immediately receive a “Your Application Has Been Approved” message.

Image Credit: via Shutterstock

If you don’t get immediately approved, don’t fret; there’s still hope. You might:

  • Get a letter in the mail confirming or denying your application. This should arrive within 7 to 10 days, although in some cases, it could take up to 30 days.
  • Get a message stating you’ll have a decision within 2 weeks.

Check Your Status by Phone

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.

Check Your Status Online

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.

Image Credit: Chase

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.

Image Credit: Chase

Chase Credit Card Application Rules

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 Chase 5/24 Rule

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?

  1. New personal credit cards that you open at any bank. Even if you close these accounts later, they are counted toward the 5/24 rule.
  2. Retail credit cards like cards from stores like Victoria’s Secret, Best Buy, and Amazon.
  3. Being added as an authorized user to someone else’s credit card account.
  4. Business cards from Capital One, Discover, and some other banks. The good news is MOST business credit cards DO NOT count against you under the 5/24 rule.

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. 

Chase Personal Cards Impacted by 5/24Chase Small Business Credit Cards Impacted by 5/24
World of Hyatt Business Credit Card
Disney® Premier Visa® card
Disney® Visa® Card
The World of Hyatt Credit Card

The 2/30 Rule

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.

Chase Sapphire Rules

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.”

Chase Reconsideration Line

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.

Reconsideration Line Tips

Here are a few things to keep in mind when you call the Chase reconsideration line:

  • Application errors or typos: Be sure to mention any typos or mistakes you may have found in your application that could have contributed to your “pending application” status or denial.
  • Offer to move credit around: One reason for a denial is that the bank has already extended a large amount of credit to you. If you don’t mind keeping the same overall amount of credit, offer to reduce the credit limit on another card to make room for the new one.
  • Mention why you want the new card: If the card you are trying to get approved for offers specific benefits that you want to utilize, be sure to mention that to the representative. Explain to them how you plan to use the new card. Do not, however, mention the sign-up bonus. Credit card companies don’t want to extend more credit to someone who just wants a card for the bonus, so it’s best not to mention it at all.
  • Be friendly: Despite your level of frustration, keep a friendly attitude. The person on the other end of the line is just doing their job; being rude won’t get you anywhere.

Chase Small Business Credit Card Application Tips

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.

How To Contact Chase

Here are some commonly needed phone numbers for contacting Chase:

Type of Credit ApplicationChase Contact Number
Auto Loan – Purchase New or Used Car866-804-6781
Auto Loan – Refinance866-481-4254
Credit Card Customer Service – Business888-269-8690
Credit Card Customer Service – Personal800-432-3117
Home Equity888-34CHASE (888-342-4273)

Final Thoughts

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 Chase Disney Premier Visa® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Disney® Visa® Card 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.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

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.

  • Reconsideration (Personal): 888-270-2127
  • Reconsideration (Business): 800-453-9719
  • Customer Service (Personal): 800-432-3117
  • Customer Service (Business): 888-269-8690
  • Check Application Status (Personal): 888-338-2586
  • Check Application Status (Business): 800-453-9719

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.

About Katie Seemann

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 and Forbes Advisor.


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April 03, 2019

Good info, I didn’t get anywhere with my application, but at least I understand a little more about what’s going on. I applied online for a Chase Marriott card. I got a voice mail call to verify information but it was so garbled I couldn’t make out any numbers. And my smartphone didn’t do any better.
I guess I’ll just wait and see.

Peter N

April 08, 2019

(888) 338-2586 is no longer in use

Katie Seemann

April 11, 2019

Hi Peter,
That number still works for me. I would suggest trying it again.


July 19, 2019

Hi! I want to ask who this number leads to?

Jarrod West

July 20, 2019

Hi lizabeth,

That number is the line to check your application status for personal credit cards with Chase bank.

moussa katile

September 10, 2020

How do I get my username and password if I don’t have my debit card yet?

Christine Krzyszton

September 11, 2020

Hi Moussa. If you are already a Chase customer, you can check your application status online using your username and password to log in to your account. Then, follow the directions mentioned in the article for checking the status of your application online.

sunny giran

May 31, 2019

Hello sir or madam. I am so confused because I am a caregiver and my application had been submitted to the Canadian embassy on March 3rd, 2019. I then received a refusal, which was wrong, regarding my application. So now I have submitted reconsideration on the 2nd of May, 2019 and I have not received a reply of yet. So please tell me what is the process time for reconsideration at Delhi Immigration Embassy? Please help me, sir/madam.

Christine Krzyszton

June 02, 2019

Hello Sunny. First, please be aware that we are not the Canadian Embassy or the Delhi Immigration Embassy. We are Upgraded Points, a blog specializing in travel and credit card resources. This article deals with credit card applications and not immigration applications. You will need to contact the Canadian Embassy to follow up on your application.


June 17, 2019

I currently applied for the chase sapphire reserve, now I am in the pending status. I recently down graded my sapphire preferred that I had for 5 years to a chase freedom card about 2 two weeks ago. I was approved for the amex platinum card about almost 2 months ago. I currently do all my banking at J.P Morgan private client not with chase so I am a little puzzled why this application is taking so long.

Jarrod West

June 18, 2019

Hi Adam,

Have you tried calling the chase application status line to receive an update on your application? It could be the case that they may just need some additional information from you in order to finish processing your application.


June 21, 2019

I applied for Chase Sapphire Preferred card on 6/19. I already have two chase cards, the freedom and the slate. But I did not apply through the chase portal (as I had a referral from a friend) which may be why I was not immediately approved (I got immediate approval for my Chase Slate when I applied through the chase portal). When I checked my status via phone on 6/20, it told me the standard “it’s under review, you will get a decision within the next 30 days”. I then called the reconsideration line and was immediately approved.
Chase Freedom was my first Chase credit card. I got it back in 2018. I was not immediately approved. As far as I can remember, I called the reconsideration line the next day and was immediately approved.

Derek Moreno

August 26, 2019

Great Info! Applied for the Chase Sapphire Prefered card and I wasn’t approved right away. Apparently adding my wife of a different last name held up the process. Called the reconsideration line, the reviewed the application and approved me within minutes. Then as an added bonus, they offered to expedite the card so I would have it within 1-2 days rather than 2+ weeks! Now I can make my travel plans! Thank you for the help. I wouldn’t have called if it wasn’t for this info!

Katie Seemann

August 27, 2019

Hi Derek,
That’s great to hear! Thanks for letting us know that the strategies worked. Enjoy your new card.

Anthony E Smith

November 08, 2019

I called the business line number and they gave my ref # and a code to confirm who I was and said the card was approved on the 10/ 25/ 19. How long will it take for the card to ship?

Jarrod West

November 08, 2019

Hi Anthony,

It usually takes 7-10 business days for a new card to arrive. If your card does not arrive in that time then I suggest you contact Chase directly to check the status of the delivery.


November 29, 2019

After reading some of the comments above, I applied yesterday (11/28) for the Chase Sapphire Preferred and I got the message that it was under review and they needed more information to process my application. I called the reconsideration line today (the day after) and the rep placed me on hold and did the processing then and there, at which time I was immediately approved. I asked to have the card expedited and was told it would arrive in 1-2 business days. Gotta get to work on my holiday shopping to earn those bonus points! Thank you to everyone who posted!

Jarrod West

November 29, 2019

Hi Austin,

Glad you hear your application was successful! Enjoy all those points!


January 15, 2020

Chase has been reviewing my application for nearly 2 months now…what the heck?

Jarrod West

January 16, 2020

Hi Kamille,

That is very unusual. What card did you apply for? Have you called for any sort of status update?

Randy Ampler

December 29, 2022

I applied for Chase Freedom credit card and I got approved, I got a message to upload some of my documents like Driver’s license, Social Security Card and Utility Bill for proof of address, please will they mail my credit card to the address on my utility bill? Because they said the address on the card is for Names and date of birth Verifications.

Jarrod West

December 29, 2022

Hi Randy,

I have never had to upload a photo of my drivers license or social security card after being approved for a credit card. I suspect that this is a phishing attempt. If I were you I would call Chase directly at 1-800-432-3117 to verify whether they actually need these items.


February 19, 2020

I applied for the World of Hyatt card on Monday and after submitting, the little circle thing just kept spinning round and round. I never received an email saying my application had been received. When I call the (800) 432-3117, it asks for your SSN. I put that in and they say their records do not match that number. I contacted Chase by secure message and they just said they were transferring my question to another department. I am thinking that the application did not go through. Credit Karma also doesn’t show any inquiries.

Jim F

February 27, 2020

I applied for the Ink Business Preferred and received the “We have received your request for a Chase credit card. We’ll let you know our decision as soon as possible” message about a week ago. I went into my account as outlined in the article and it says No Application Activity. What do I do now?

Jarrod West

February 27, 2020

Hi Jim,

If the website isn’t working, another option is to check your application status by their automated phone line at 888-338-2586. Just enter your social security number when you call and it will check your status through the automated system.

carlos cervantes

August 04, 2020

Thank you for the information. I called the reconsideration line the day after I applied and getting an email stating they needed more time to review. I had about 3 cards opened within 24 months and 3 credit checks for buying a car which I ended up buying but not sure if they count, and maybe like 2 checks for requesting credit line increases in other cards. Anyway, once I called they ended up approving my Reserve card. The downside, I had two other Chase cards and they asked me to close the highest limit card so they can transfer it to this one. Although I didn’t want to, It was worth it just for the Reserve card.


August 10, 2020

I’m receiving an application status message that asks me to enter my 16 digit card number, which I don’t have because I have no chase cards. This is after about a month of the 30 days message. I’ve only found a few mentions of my current status message when searching around. Does anyone know anything about this? I’d like to avoid talking to a rep if I don’t need to.

Jarrod West

August 14, 2020

Hi Omuamua,

Call the automated status line at 1-800-432-3117, and follow the prompts. It should ask you to enter your Social Security number to check your application status, and then will let you know whether your application has been processed.


September 29, 2020

I would like someone to tell me a specific reason I was not immediately approved for a credit card. Your number to check the status is useless. I’m not waiting a month to use a credit card. I left B of A because of their useless customer service. Appears Chase is just as clueless. I’ve had a line of credit for 13 years. Never had a late payment, always paid in full. Credit score over 750. What the hell?


October 07, 2021

How would someone on this random website do that for you? Are you just here to complain? Wow.

Mubashir Niaz

March 02, 2021

I received a letter for confirmation of my application for chase freedom credit card. I lost the letter. Will you please let me know the number for confirmation. Please extend the fourteen days limit as Tuesday is the only my day off. Thanks.

Jarrod West

March 02, 2021

Hi Mubashir,

I’m afraid we are not able to assist with this as we are not Chase. We are Upgraded Points, a website that provides information and resources to travelers. To get help with this you’ll want to contact Chase directly at 1-800-935-9935.


August 20, 2021

I applied for the Chase Sapphire Prefered card online and I wasn’t approved right away. Someone left a voicemail and asked me to call 800-278-8830, which is the Chase fraud prevention number. I called this number and waited for 2 hours but nobody picked up my call. Can I call the Chase reconsideration line to fix this for me?

Jarrod West

August 23, 2021

Hi Serena,

Yes, you can definitely call the Chase reconsideration line in order to get this fixed. I hope you are able to get your application approved!


October 04, 2021

Do you know when the 3 months to earn a bonus begins? Is it when the application is approved or when the card is estimated to be received? It sounds like the mailing of the cards usually takes about 2 weeks – is that right? Thank you for your help.

Jarrod West

October 04, 2021

Hi Trisha,

The 3 month window begins as soon as you are approved for the card. Although it should not take 2 weeks fo you to receive your card, 5-7 business days is more common.

William G

January 05, 2022

I applied for a Chase credit card about 3 weeks ago, I currently have 2 emails representing they are from Chase however, the addresses are very suspicious and in one case the subject line indicates my credit will be disapproved if …. Yesterday I received a letter indicating a JPMorgan Chase address stating “Action Needed: Please call us to discus your application”
Telephone: 1-877-470-9042
The letter looks authentic so I called and the first thing they want is my SSN??? The emails and this letter seem like scams to me.
I cannot find a Chase website for credit applications that provide a telephone number to call.
Are you able to confirm the number above is legitimate?

Jarrod West

January 05, 2022

Hi William,

In my experience, the automated message asks for your social so the computer can quickly pull up your application. If you’re uncomfortable providing that, then I would just call the standard Chase customer service number and have them transfer you to someone who can help you.


May 17, 2022

I applied for the Chase Sapphire Preferred on 5/16/2022 and got denied. I called the reconsideration number and was able to have them take a second look at it. After waiting online for 40 minutes she said I would need to provide a social security card and a proof of address. So I uploaded the documents online and called back the next day. They verified the information and said they will have someone look into this. I got a call 30 minutes later asking why I want the card and where I work. Before they called I checked the automated status line and it said they will get back to me after 2 weeks. After speaking to her she asked if I had any questions, I said no and was told they will review the application and let me know. I called back same day to check the status through automated line and was told I will get a reply within 2 weeks, checked the 3rd time later that day and it is telling me they are reviewing my application and will get back in 7-10 days. Still waiting. Most blogs say if it’s 7-10 days, it’s a decline. So I don’t know what is coming but fingers crossed!

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