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

Chase Credit Card Application Status

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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. I’ve been there, and I know it can be stressful.

In this post, we will go over 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 the thrill of travel rewards credit cards (myself included). Chase is especially tough on this one since the implementation of the 5/24 rule; scroll down for more information about these restrictions.
  2. You have a lot of credit with Chase already. If you already have a couple of Chase credit cards open, you might be nearing the top limit of credit they are 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 some additional documents to Chase to confirm the details of your business.
  4. You made a mistake on the application. Sometimes, an application’s pending status can be due to a simple typo or other unintentional errors.

Chase Credit Card Application Status

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

Credit Card Application Status
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 7-10 days, although in some cases it could take up to 30 days.)
  • Get a message stating you will have a decision within 2 weeks.

Applicants of the following credit cards will get an email confirming their approval, which will include your credit limit:

Check Your Status by Phone

To check your personal Chase credit card application status by phone, call the application status line at 1-800-432-3117. For business applications, call 1-800-453-9719.

Check Your Status Online

If you are already a Chase customer, you can check your application status online. After you log in to your account, click on the icon in the top left corner that looks like a column of lines.

Chase Credit Card Application Status - How To Check Online
Image Credit: Chase

A menu will pop up along the left side of your screen. Scroll all the way 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.

Chase Credit Card Checking Application Status
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 they’re known for having some of the strictest ones among card issuers. But with the strictest rules come some of the best travel rewards credit cards out there!

Chase Travel Rewards Credit Cards
Chase offers some of the best travel rewards credit cards on the market, but they also have some of the harshest rules when it comes to how many cards you can apply for. Make sure you understand the 5/24 rule, the 2/30 rule, and the Sapphire limitations before you apply for another credit card. Image Credit: Chase

The Chase 5/24 Rule

The 5/24 rule is not a published rule, but it is very much alive and well. It says that to be approved for certain Chase credit cards (including some of the most popular, like the Chase Sapphire Preferred Card), you can’t 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 later close these accounts, they still 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 OneDiscover, and some other banks. The good news is MOST business credit cards DO NOT count against you under the 5/24 rule.

Until November 2018, many personal Chase cards were not affected by the 5/24 rule. Unfortunately, as of November 2018, it seems the following cards ARE now impacted. (This information is crowdsourced, meaning it is not confirmed by Chase.)

Chase Personal Cards Likely Impacted by 5/24Chase Small Business Credit Cards Likely Impacted by 5/24
Chase AARP CardN/A
Chase Amazon Rewards Visa Card
Chase Aer Lingus Visa Signature® Credit Card
British Airways Visa Signature® Card
Chase Disney Rewards® Visa® Card
Chase Disney Premier Visa® Card
The World of Hyatt Credit Card
Chase Iberia Visa Signature® Card
IHG® Rewards Club Premier Credit Card
IHG® Rewards Club Traveler 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 credit cards or 1 business credit card in a 30-day period.

Just 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: Trying to open too many cards in a short period is one reason you might not be immediately approved for a Chase credit card. If you’ve opened 5+ credit cards (from any bank) in the previous 24 months, you probably won’t be approved. In addition, if you’ve opened 2+ personal Chase credit cards or 1 Chase business credit card in the previous 30 days, your new application is likely to be denied.

Chase Sapphire Rules

In 2018, Chase implemented some limitations for the Sapphire family of credit cards. This consists of the Chase Sapphire Preferred® Card and the Chase Sapphire Reserve® (plus a base Sapphire card that is no longer open to new applications).

These are some of the best travel rewards credit cards out there, so it’s important 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 in hopes of having 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, or you may have to submit a brand new application.

Hot Tip: The Chase reconsideration line for personal cards is 1-888-270-2127. The Chase reconsideration line for business cards is 1-800-453-9719.

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 errors 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 you might have gotten 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 limits on your other cards 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 the legal name or physical address of your business.

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. I ran into a problem trying to apply for a Chase business card with my blog as the business name (which I had no problem with at other banks). When I spoke to a Chase representative, they encouraged me to use my name as the business name to increase my 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 Car1-866-804-6781
Auto loan – Refinance1-866-481-4254
Credit Card Customer Service – Business1-888-269-8690
Credit Card Customer Service – Personal1-800-432-3117
Home equity1-888-34CHASE (1-888-342-4273)

Final Thoughts

Applying for a new credit card can be stressful — especially if you don’t get approved right away. 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.

Frequently asked questions

How do I check the status of my Chase credit card application?

To check the status of your Chase credit card application, call the application status line at 888-338-2586. If you are a current Chase customer, you can check your status online. After you log in to your account, click on the menu icon in the upper left corner, then scroll down to Application Status.

How long does it take to get approved for a Chase credit card?

Many credit card approvals can happen immediately. If you don’t get an immediate approval, you will most likely get a decision in 7-10 business days. However, sometimes it can take up to 30 days.

How can I contact Chase about my credit card application status?

There are a few numbers you can call 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): 1-800-432-3117
  • Customer Service (Business): 1-888-269-8690
  • Check Application Status (Personal): 1-888-338-2586
  • Check Application Status (Business): 1-800-453-9719

What does it mean when your credit card application is under review?

When you aren’t immediately approved for a credit card, you might be wondering why your application is under review. It does not mean you are destined for a denial — you could have made a typo on your application, or you might just need to confirm some of the information you submitted.

Katie Seemann

About Katie Seemann

Katie is an Ohio native who caught the travel bug after spending a semester in college in Nottingham, England. In addition to exploring England, she visited Ireland, Scotland and the Netherlands during that time and loved every minute of it (everything except the hostel in Scotland – that’s an experience she doesn’t intend on repeating!) In 2015, Katie discovered the world of points and miles, and since then she’s earned countless points and has an embarrassingly large number of credit cards in her wallet (which she needs a spreadsheet to keep track of!)

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. 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.


  2. (888) 338-2586 is no longer in use


  3. 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.


    • 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.


  4. 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.


    • 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.


  5. 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.


  6. 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!


  7. Anthony E Smith November 8, 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?


    • 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.


  8. 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!


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


  10. 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.


  11. 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?


    • 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.


  12. carlos cervantes August 4, 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.


  13. 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.


    • 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.


  14. 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?


    • UseYourBrain October 7, 2021

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


  15. Mubashir Niaz March 2, 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.


    • 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.


  16. 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?


    • 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!


  17. 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.


    • 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.


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