Call the Chase Reconsideration Line if your credit card application is declined


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Chase Bank is the largest financial institution in the United States and offers a wide variety of travel and cashback credit cards. Some of its most popular cards include Chase Sapphire Reserve, Chase Sapphire Preferred, and Chase Freedom Unlimited. Chase generally requires a good to excellent credit rating to be approved for any of its card products.

Although Chase typically offers approval moments after you apply online, there are times when you may be denied, even with a positive credit history. If you feel strongly that you should have been approved, you can contact the Chase Reconsideration Line to request another view when applying for your card. This guide will share everything you need to know about how to get Chase to give you a second chance.

What is the Chase Review Line?

The Chase Reconsideration Line is a special phone number you can call if you have been declined for a business or personal credit card. Speaking with one of Chase’s Credit Review Specialists gives you the opportunity to request another review of your card application – and possibly cancel a declined card application.

Who should call the Chase Review Line?

Not everyone needs to call Chase to reconsider a credit card application. In many cases, Chase will provide a clear reason why your card application was declined or even suggest steps on what to do next.

For example, your application may be denied due to your insufficient credit score or income. If the reason for your denial was a low credit score or insufficient income, it may be best to work on improving your credit or improving your income to reapply for a Chase Card in the future. . If you believe Chase had incorrect credit or income information, you can contact the Chase Review Line to let them know.

In other cases, Chase may provide instructions on what happens next, such as waiting an additional 30 days while the bank investigates further. In such a case, you will have to wait for Chase to make a final decision. On the other hand, Chase may ask you to contact them for more information or ask you to unlock your credit report for review.

If you believe the information on which Chase based its decision was incorrect or incomplete, you should call the Reconsideration Line to update the bank and request a re-review of your application.

How to Review the Status of a Chase Credit Card Application

If you’ve been notified that Chase needs more time to review your application, you can always check the status of your credit card application by logging into the account you created when you applied.

Additionally, Chase has two automated phone numbers to give you more details about what’s going on with your credit card application. They are:

How to request a reconsideration of a credit application

If you receive a rejection or denial from Chase, you may request another review of your application by a credit analyst. Here’s how:

  1. Call the Chase Review Line at 1-888-609-7805.
  2. Check some of the details you provided on the credit card application.
  3. Explain why you are calling, such as incorrect or incomplete information or why you think the rejection should be reconsidered.
  4. The reason you need the credit card, such as changes in your finances, the need to separate expenses, or to earn more loyalty rewards.

If the call doesn’t go in your favor, you can always call back and talk to another analyst. However, previous calls are documented and the new credit representative will know that you called earlier.

Does the Chase review work?

Depending on the factors that led to a rejected or declined credit card application, the Chase Reconsideration Line might work. In some cases, missing or incomplete information may have resulted in a rejection. A call could quickly resolve the situation.

In other situations such as a less than perfect credit history, the Chase Review Line may not be able to give you the approval you are hoping for.


If you think you should have been approved for a Chase credit card, don’t give up if you receive a denial or denial. You can contact the Chase Review Line and speak to a credit specialist to convince them to give your application a second chance.

But before you do, make sure you have a solid explanation of why you need the card — and why the representative should reconsider the denial. Stay calm and clearly explain why you disagree with the rejection of the application and hope for the best.


  • Does Chase instantly approve?
    • In most cases, Chase gives you a decision on your online credit card applications almost instantly. However, if the application is incomplete, the process may be delayed for up to 30 days while it is manually reviewed.
  • Does Chase have a reconsideration line?
    • Chase has a review line at 1-888-609-7805. You can speak to a credit analyst about your application to request further review and approval.
  • How long does the Chase review line take?
    • In many cases, the Chase Review Line Analyst can approve or deny the review while you are on the phone. In other cases, your application will be subject to further review, which may take up to 30 days for a decision.

Information is accurate as of July 28, 2022.

Editorial Note: This content is not provided by Chase Bank. Any opinions, analyses, criticisms, evaluations or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by Chase Bank.

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About the Author

Cynthia Paez Bowman is a personal finance writer with a degree in international business and journalism from American University. In addition to writing about personal finance, she writes about real estate, interior design, and architecture. His work has been featured in MSN, Brex, Freshome, MyMove, Emirates Open Skies magazine and more.


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