Chase Bank Application Status Credit Card: What You Need to Know

You can check the status of your Chase Bank credit card application online, by phone, or through the Chase mobile app.

To check online, navigate to the Chase website, click on "Sign On", and then select "Credit Cards" from the dropdown menu.

The Chase mobile app allows you to manage your account, view your application status, and even make payments.

After submitting your application, it may take 7-10 business days for Chase to review and process it.

You can check your Chase credit card application status online or by phone. To do so, visit the Chase website at Chase.com and log in to your Chase account. Click the icon in the top left corner to pull up the main menu, and then select "Application status" from the drop-down menu.

Chase will consider your credit history, income, debt, housing status, and the number of recently-opened credit cards when reviewing your application.

You can also check your application status by phone by calling the status line phone number: 1-800-432-3117. Follow the instructions to get to the credit card approval section of the directory and enter your Social Security number to retrieve the application.

To check your application status online, go to Chase.com, log into your Chase account, and click the drop-down menu in the top-left corner. Choose “Application Status” from the drop-down menu.

If the application status doesn’t make sense, you can try sending a secure message to Chase customer service.

Here are the steps to check your Chase credit card application status online:

You can also call 888-338-2586 or 800-432-3117 to check your application status by phone.

You'll likely receive a notification by mail or email once a decision is made on your Chase Bank credit card application.

There are three possible outcomes to expect. Here's a breakdown:

If you're denied, don't get discouraged. You can use WalletHub's free credit analysis to find out exactly how to improve your credit score and receive recommendations for credit cards with high approval odds.

To increase your chances of getting approved for a Chase credit card, focus on improving your credit score. This is a leading factor in the approval process, so it's worth putting in the effort to boost your score.

Be mindful of your credit utilization, as Chase will check how much credit you're using. If you're maxing out credit cards or carrying over high balances, it's a red flag.

The Chase 5/24 rule is also a consideration. If you've applied for five new credit cards in the past 24 months, you may be less likely to get approved for a new Chase credit card.

Here are some key factors to keep in mind:

To get approved for a Chase credit card, know that your credit score is a leading factor in the approval process. A good credit score can increase your chances of being approved.

You can improve your credit score by working on it, even if it takes a little longer. This will give you a better shot at getting approved.

Chase also looks at how you're handling your credit, including your credit utilization. This means they'll check if you're maxing out credit cards or carrying over high balances month to month.

Be mindful of the Chase 5/24 rule, which means if you've signed up for five new accounts in the past 24 months, you're unlikely to be approved for a new credit card within that time frame.

Here are some key things to keep in mind:

If you have a high credit score, enough income to justify the credit card, and don't have many Chase credit cards in your name, you might even get instant approval.

Getting approved for a business credit card can be a bit more complicated than applying for a consumer card. It takes at least seven to 10 business days to review all the information before a decision is reached.

If you're worried about the time it's taking to get a response from Chase about your business credit card application, calling customer service is your best bet. If you're denied, don't call the reconsideration line unless you've received a notice that your application was denied.

Chase Ink Business cards are very popular, especially with those who also have other Chase cards that earn Ultimate Rewards. You can pool your points across your accounts, which is a great perk.

The Chase Ink Business cards have generous sign-up offers, high rewards rates on purchases, and spending power that's valuable to any business.

Does Chase Credit Card Give Instant Approval?

Chase credit card applications can sometimes result in instant approval. If you're lucky, you'll receive a notification saying "Your application has been approved" moments after submitting your application.

Instant approval typically happens if you have a high credit score, enough income to justify the credit card, and don't have many Chase credit cards in your name. This is a great scenario, but it's not the only possibility.

In some cases, you may get a message indicating you'll have an answer within two weeks. Alternatively, you'll receive a letter in the mail within 7 to 10 days that confirms your application or says you're denied.

If you're not approved instantly, don't worry, it's not uncommon. It can take up to 30 business days for Chase to review your application, although 7-10 business days is a more typical timeframe.

If your Chase application status is under review, it doesn't necessarily mean you're on the edge of being denied. The application undergoes further review to consider factors such as credit history, income, debt, housing status, and number of recently-opened credit cards.

Chase will take a closer look at your credit profile to make a decision, which can take around 7-10 business days. In some cases, it may take up to 30 business days, but this is rare.

Here are the key factors that Chase considers during the review process:

Income

Debt

Housing status

Number of recently-opened credit cards

You can check the status of your Chase credit card application by phone, and it's actually pretty straightforward. To do this, you'll need to call the status line phone number: 1-800-432-3117.

This number will take you to an automated system where you can follow the prompts to get to the credit card approval section of the directory. Once you're there, you'll need to enter your Social Security number to retrieve the application status.

Alternatively, you can also call 888-338-2586 or 800-432-3117, and when prompted, press # and follow the instructions to check the status of your application. You'll need to enter your social security number for security purposes.

If you're not sure which number to call, you can try checking your application for a contact number provided by Chase. If not, you can try one of the numbers mentioned above.

Approval Time Frame is a crucial aspect of the credit card application process. You can expect your Chase credit card application to be under review for 7-10 business days. In some cases, you might get an instant decision.

Some applicants may have to wait up to 30 business days, although this is rare. Don't worry if you don't get instant approval - it's normal for lenders to need more time to check all the information.

You may receive a message indicating you'll have an answer within two weeks or a letter in the mail within 7 to 10 days. This is a standard part of the application process.

If you're denied a Chase credit card application, don't worry, it's not the end of the world. You can try calling the Chase reconsideration line, which is 1-888-270-2127, to see if they can reconsider your application.

You should call within 30 days of receiving your official notification of denial, as waiting too long will mean you'll need to submit a new application, which will result in another hard credit pull. This can count against you, so it's best to act quickly.

If you're not successful in persuading them in your favor, you may need to focus on improving your credit score, reducing debt, or letting the dust settle if you've recently applied for multiple cards.

If you're having trouble getting approved, you can try calling the reconsideration line for personal credit cards at 1-888-338-2586 or for business credit cards at 1-800-453-9719. Have any clarifying information ready when you call, as it may help your case.

You're also entitled to a free credit report from the credit bureau that denied you, which can be obtained by contacting the agency listed in the notice you received from Chase.

If your Chase credit card application is denied, don't worry, it's not the end of the world. You can try calling the Chase reconsideration line to plead your case. The number for personal credit cards is 1-888-338-2586, and for business credit cards, it's 1-800-453-9719.

You should call within 30 days of receiving your official notification of denial, or else you'll need to submit a new application, which will result in another hard credit pull.

Chase may deny your application for various reasons, including a low credit score, high debt-to-income ratio, or high credit utilization on your current credit cards.

Here are some possible reasons why your application might be denied:

If you're denied, you're entitled to a free credit report from the credit bureau that denied you. The letter from Chase will provide the phone number, address, or website to request your free credit report.

You may need to call the reconsideration line to explain your situation or provide additional information. If that doesn't work, you can try getting credit card pre-approval before reapplying for your desired Chase credit card.

If you're not approved for a Chase card, you may want to consider applying for a credit card from a different issuer. The Platinum Card from American Express offers top-tier travel rewards and comparable perks to the Chase Sapphire Reserve.

You can earn 80,000 Membership Rewards points when you spend $8,000 in the first 6 months as a new Amex Platinum cardmember. This card also comes with airport lounge access, elite status with Marriott Bonvoy and Hilton Honors, and a statement credit for TSA PreCheck or Global Entry.

The Amex Platinum card has a hefty annual fee of $695, but you may be able to offset that cost if you can take advantage of its many perks. Note that select benefits require enrollment.

If you have less-than-stellar credit, consider the Capital One QuicksilverOne Cash Rewards Credit Card, which is often an exception to the rule for rewards credit cards with fair or average credit. It carries a reasonable $39 annual fee and earns unlimited 1.5% cash back on every purchase.