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chase loan payment phone number

Just followed up with Chase on a UAL Mil Plus Business app. (wasn’t approved immediately-waited a few days to call). I was very polite and had a nice agent. She checked a couple things, asked me a few simple verifications, and then said I was approved for a pretty sizable line of credit even tho I am under 30! I asked her why the delay (I have a good record with Chase personal cards) and she said “patriot act” requirements, and just security verifications. She also said that if I had applied under a tax ID number I would have been required to submit a million other doc for verification…so basically, always apply as a sole proprietor! Simpler she said, and they can’t ask for verification on a lot of things. Good advice!

This also was what I experienced.

I applied for the CSR today have 2 other cards with them. Got the pending approval. I spoke to a lady who verified my name, ssn and dob who then said I had to be transferred to a “verification department” It took about 10 minutes, I had to name the limit on one of my other cards, he also asked for my phone number and then sent a verification text, he then said he had get my application in order and finally approved me but only for a $16k limit.

I got a pending receive and they asked me security questions… like 2 active credit cards that I have had for a year. She said my answer was incorrect for some reason.

You can check your Chase credit card status through an automated phone system. 1-800-432-3117

Thank you! I received the “pending approval” message on a personal card. I called and did exactly as scripted, and got approved for a 5K CL.

I can’t believe it fcking worked. I did as scripted verbatim at first. Then went rogue and chatted up a storm w the agent. Cs 650 as she turned a blind eye and as Susie Orman would say… Girlfriend you are APPROVED.

I should have read the whole article before calling the business reconsideration line. Agent badgered me with a whole lot of questions that i never had been asked in previous years. This is the 4th time i am getting the ink card in as many years. Never had to answer so many questions. Finally got approved after having to move credit line from existing card to the new card.

Thank you! My app went into pending status when I applied and I was completely floored. But, I took the advise posted here, called the number after what seemed like forever…I was agonizing (trying to rebuild my credit for years now) the lady got back from hold and said she approved my application. Truly, without this knowledge here, I would have not followed through with a phone call.

Thank you very much!

Thanks for the comment, it works for me too!

Why are my comments not getting posted ?

@ David – when did you post comments? I don’t see anything else from you.

I tried to put a comment few days ago . I’ll try again ,

Is there any sample or ideas what to write in a SM to reconsidered my turned down application ?

An again tried to comment an not posting

I must say this truly worked, wasnt the highest limit but none the less i was approved. and not a another denied hit on my credit report. thanks again.

I applied for Chase I n k biz card today and the email I received says they will let me know. However, after I click submit button, it said to call customer support specialist 6010 number asap to discuss the application. Do I NEED to call them or just wait? I am not ready for all the questions they might ask. Anyone have experience like this?

Do not call unless you are feeling lucky or have a legitimate small business. If you can, expect the worse (getting badgered)

Thanks for posting the phone numbers. I would have waited helplessly for a month for a letter in the mail probably ending in denial. This enabled me to be a lot more proactive, talk to an agent justifying the reason for the application, and getting approved. The conversation was completed in 5 minutes and the new card is on the way.

Called the number and used the script verbatim and was approved for a $4K limit with a $0 fee $0 balance transfer for 15 months. My application was under scrutiny because of a fraud alert I put on my credit report 2 months ago. Thanks Reward Boss!

Thank you for this page. I applied for a card on very good credit but got ‘pending’. I called and was asked to submit proof of address. I did, and I’m waiting to hear back. Hopefully it goes well, I see no reason why it shouldn’t. But thanks for this info, it gave me the needed numbers and what to expect!

Hello, Frank Gaffener.

Me too asked me my physical address. You, as thou hast sent? how? please, how was your process?

I applied yesterday for a Chase Southwest credit card and got the “more review needed” msg. I called the recon line and used ur script. Bada-Bing 3k approval with a 679 TU credit score. Thanks for this, I wouldn’t have known about the recon line.

Congrats! Glad I could help.

Thanks for the tips! I got the pending review notice, waited about 30 minutes and called. It was probably a 15 minute conversation total, with a couple of different rounds of questions. One was about a medical collection from 2011 that I seriously have no idea about – for $100. I was approved for $3000 and will be receiving the welcome packet and card in the mail separately. Cheers!

I applied chase ink plus yesterday in branch. I didn’t instant approve. But I just start a real small business about 3 weeks. Should I call?

Applied for Business Ink on 1/22 and received 30 day pending notice. Called Business recon today (1/28) and had pleasant conversation with CSR. Normal recon info about nature of business that I own and projected income, etc. Put on hold for 3-5 minutes and response was that she is “recommending for approval” but needs to forward application to a senior representative for final decision and answer should be determined in another 7-10 days. Well, that’s a new one. We’ll see what happens. I have two other Chase personal cards (CSP at $12.5K limit and United personal @ $20K limit). Do have more than 5 recent cards obtained this year however, so perhaps that’s the hold up?

So…what was the result after your 7-10 business day wait?

I had a similar experience with the CW Premier. Applied 2/8 and called recon that day. He said he was recommending me for approval but it needed to go through a secondary step because I already have 5 cards with Chase. He told me it should only be a day or two. Still waiting and it’s been almost three weeks.

I had the same situation. I called them and they said it needs to go to a senior analyst for review. I asked why and they said because I have too much credit with all my cards. I told them I was planning on cancelling one of my cards. Then the representative said she will take $x credit from another Chase card and approved me over the phone instead of going through another step.

I just called the 888-338-2586 # and they told me instantly that my WDW Chase credit card application was approved Thanks so much for that information. I don’t understand why companies try to make everything hard for there customers. But thanks too you I feel like I have beaten Goliath. Here is my search question that brought me to your web page: Why did chase bank tell me i have to wait up to 30 days to see if im approved or not for a credit card?

I have tried calling the Chase number twice, and both times I get a recording saying that the office is closed and to call back during business hours – but I AM calling during the hours that it says they are open right in the message. I tried the number Any suggestions of what to do now? I also tried the number that the commenter above used, but it was just an automated system that said my application is still under review. Help! Thanks

They say that their business hours are from like 7am-10pm est. but i seen on the lending tree website its actually like :

Monday – Thursday: 8am – 9pm Eastern

Friday: 8am – 8pm Eastern

Saturday: 10am – 7pm Eastern

I have called at 4:30 PM EST, 5:30 PM EST, and 9:00 PM EST…so I have no idea what’s going on. Every time I call it says they are closed. .

I am having the same issue! I have tried calling 4 times over the past 90 minutes and it’s 7:19 EST right now on a Thursday! What gives?

I applied for the chase business card a month ago which went into pending. A few days later, I received a letter to verify my identity. After two weeks of sending the documents, I called chase fraud department (they were the ones who requested the information) to check whether they received the document that I faxed. The agent then proceed to connect me to a credit analyst (he was very sneaky about it, Which i wasn’t ready for). I wasn’t planning to call recon (since it’s a big NONO). Long story short, I got denied for the card. I was wondering if I were to go to the branch with my documents, will they be able to overturn the denial decision? I have a small business (make less than $2k a year – sole proprietorship) that I report on my income tax for the past three years. When I had submitted the app I didn’t have any business CCs before. I recently applied for one via BoA and got approve but not for chase, what gives.

Wow! Just got off the phone with Chase after 1.5 hours. I applied for the SW Plus Chase card over the phone and the SW Premier Chase card on the internet 2 weeks ago. I kept calling the application status line and they kept telling me it would take 30 days. I finally called the backdoor number and spoke to someone at Chase Lending Services. Very nice but asked a lot of questions, and was curious why I applied for both cards the same day. Understandable. I pointed out the benefits of both cards and said I wanted one for my wife and one for me, the Premier card bc of no foreign transactions and the Plus becuase of the lower annual fee, yada yada yada. He asked me to call me on my cellphone to verify ID. He kept putting me on hold for 2-3 minutes at a time. Finally he sent me over to his Chase Verifications dept for the same deal. Verifications insisted on sending me a text to my phone for ID purposes which I had to retrieve and give them the code. This was the first time I have ever put someone on hold and retrieved a text message while on the phone with someone bc I just got a smart phone! Finally after 1.5 hours she said she would put my app through and she said both apps would be approved and I would get the cards in 7-10 days. Thanks Chase and Reward Boss!

Hi I was wondering if you can help. I applied for my first chase credit card at a chase branch, i have $5000 in mortgage and $85000 in income, but after talking to credit analyst i was put on hold. And then they said wait 10 days to hear something in the mail, does that mean i was denied? The banker told me since i keep a sizable amount of funds with chase bank they can do a special consideration and get me approved for the chase preferred saphhire card, anyone heard of this

Did you get approved eventually?

Outstanding info! Had applied for Amazon Visa rewards card around Black Friday to get Amazon gift card and got the further review screen and then received letter of denial at this time for no stated reasons. Applied again yesterday and got the same under review screen but this time called the number posted in your article and 30 minutes and three depatments later, the last being a verification dept based in the Phillipines, I was approved with a healthy opening credit limit, got my $50 Amazon gift card posted to my Amazon account, and all I had to do was be personable, polite, and patient. Be aware they go way back to verify info I had to remember the make and model of a car I purchased for cash 25 years ago so make sure you are ready to verify some obscure facts from your public records history! Thans for the great info, I plan on using this technique in the future!

So I applied for the SW last night and got the 7-10 day review notice with a follow up 30 day email. Being that it’s not an instant denial, I have hope. My scores are 630ish however, and I have been doing the rebuilding thing for a little over a year. Started out with C1 platinum 300 limit which is up to 3K limit and 3 months later opened C1 QS MC with 500 limit which is 2300 now. All on time payments, 30 percent util at the moment due to an unexpected expense. I have a medical collection from 2012 for an emergency surgery. That didn’t stop me from getting the C1s, a motorcycle loan at 8 percent last Sep, and an auto loan at 8 percent last month. That said, I feel like there is no reason I should get denied for the SW from Chase just from all of the reviews, posts, and forums I’ve researched. So here’s the deal: I have tried 4 times in the last 2 hours to call the Recon line to expedite my app. All 4 times I have gotten a recording saying “thanks for calling, but we’re closed. We want to help, so please call back tomorrow.” It’s 7:28 EST right this second. I’ve been trying since 5. They’re supposed to be open until 10… Does anyone know what’s going on? Are they all on hiatus? Or is there some magical program that captures my number and stores it in a computer bank that will allow me to actually speak with somebody tomorrow? You know, to show that I’m really serious about calling this number? lol Or did they pack up and move to a new number?

The department you are calling is only open from 8am until 5 PM Eastern. Try during those hours and you will get through.

Thanks for this information. The numbers work and I finally got someone who explained my application was denied because they could not get a hold of me to verify something. Quicker than waiting for a letter.

Did they ask you to send in the docs to verify your information so that you can get approved?

Thank you, Thank you, Thank you for the phone number and script!! I applied for the CSP around 3 am last night but got the pending approval page. I was shocked because that never happened to me before. Anyway I found this site and kept it open until this morning. Called in and was on hold for 10 min. Once someone answered they verified my identity by asking for my home address and phone number etc. Then he transferred me over to a credit analyst. The Credit Analyst asked me the same questions again and texted me a code I had to read back to her. Then I was on hold for 2 more min. She came back and said I was approved for a 21K limit!! Sweet!! Thanks for all the help.

What I understand is that it depends what hour and day of week you apply for. If the lending department is closed, it might not approve immediately ( different reason like you had applied too many or very recent past).

I will suggest as other posts to give a call day time and ask for delay very politely. In the process, they establish the physical verification and your approved on the phone immediately.

So I have 4 cards with chase already but have had 2 of them since 2013, (, Freedom, Marriott, CSP) and decided to go for the United card since they were offering an insider bonus. So I applied, got a page asking if I’d be willing to move credit lines over from other cards (I assume because my income is not extremely high) so I checked off yes, still got a pending approval page. Called this morning to the specialist, did the exact recording then he asks me a bunch of questions about transactions made last year (I brought an engagement ring out of family savings) we even go over the credit lines that need to be moved. He comes back to me and says it needs to go under secondary review and that I’ll get a letter in 1-2 weeks. Last time I heard this, it was 5-6 years ago and it meant denial… Unless I’m overthinking it, thoughts?

I also want to add in that I have a credit score closer to the 750-800 range since I never carry a balance, so it’s definitely not a credit issue.

I called the business line and got rejected… They said I have too many inquiries in the past half year and had too many accounts opened in the last year. Is there another chance maybe I can talk about reconsidering? Thanks.

I applied for the sapphire and business card at the same time. I got approved for the sapphire and they declined the business. 1st they said I had too many inquiries and I disputed that and they came back and said the business is too new. Is there a way around that?

It’s all YMMV based on the analyst you get. Do you have an existing chase biz card that you can shift credit over to the new card app? That may be your best bet.

Applied for both CSP and Freedom on the same day. Received 7-10 messages for both. Exactly 1 week later, received denial letters in the mail. Called Recon line and gave the reference number for CSP. At first, they said “too many accounts opened”. I pointed out that only 3 during the past 24 months. CSR asked a couple of questions to check my current income and such; and said they would reconsider my account. Asked about the Freedom but she said “because both were denied for too many accounts, they can only approve one.” 3 days after recon call, received email approval for CSP and credit card is in Chase online. Should I try to call recon again for the Freedom or just let it go now?

Worse case they say no and you are no worse off than having not called.

I just applied and now they told me they need proof of residency and i went to Chase and they faxed everything. now its pending and about one month ago i was approved for American Express everyday card. hopefully i can get the sapphire preferred! i’l keep you guys posted!

I just got approved over the phone! Trust me call this number they have the power! 888-609-7805 they get the job done! A woman from chase branch gave me that number and she said that’s the fastest route. My credit last month was 697 after I applied for the AmericanEx but my credit score went up because of my credit line.

Thanks Harry this number worked for me, they just needed to ask me some verification questions and I was approved!

Thanks so much. I had applied for a Chase Sapphire Preferred for the second time to get the sign up bonus, because it’s over 2 years i got the same, as this was the second time i was very skeptical. But as per your suggestion i called them they asked common questions like you said just to verify my DOB, home address and put me on a brief hold and then came back and said the magical words ‘Your application is approved, and you will get your card in mail within 7-10 days” However when i asked for some email, he said i am confirming you here that you are approved.

Again thanks for suggestions.

Good to hear you were also approved! Now we both need to wait a few days until our card arrives. Now there is a guy on YouTube, his username is called beatTheBush and he will explain how to get credit cards and increase your credit score!

Violated the 5/24 rule and was slapped with a bold “DECLINED”. However, The representative told me to reapply when everything settles down a bit.

Thanks for the advise. These are really helpful numbers. Better to get a straight answer than useless anticipation.

I just got off the phone with the chase reconsideration line for CSP. My application was initially denied but after speaking with the agent and answering a few questions my application was approved for $5000. Had I not called, I would’ve gotten a denial letter. My advice: call the reconsideration line.

I have a CS of 651. So I applied online for the Freedom card w/Unlimited Cash Rewards two days ago. I read previously on Credit Karma that I might as well go for the gusto since it was a fair chance I might be approved. I got the message that my application needed further review and I’d get a letter with their decision in 30 days. I read on CK that it usually meant a denial. So I decided to try the recon line. I was nervous to the point where my voice was cracking–I don’t know why. Anyway, I got a nice, helpful credit analyst named, Liz, who did confirm that my application had been denied for past credit issues. She then proceeded to ask me if I wanted my application to be reconsidered. I of course said, “yes” and she asked me a few questions about my annual income, personal identity, some derogatory accounts from years ago, a charge off, student loans, and a collection account I am currently paying off. By the way I still managed to brave through the script you suggested. So, Liz, put me on hold for about 15-20mins then came back on and told me she’d have to forward my case to a fund review analyst due to derogatory accounts. She said they would send me a letter with their decision in a couple of weeks. I figured they had denied me and didn’t feel like giving me the bad news over the phone. Well, today–two days later–I received an email stating I had been approved for the card, and I’d get it within 7-10 days. I didn’t see a credit limit, but it did show the last four digits of my new account. I was floored, shocked, speechless, and extremely grateful. Not only to Chase for offering a recon department, but to this site for providing easy-to-follow suggestions on how to help oneself. Thank you for infinity. I will be spreading the news about this informative site.

Glad I could help. This new account will help towards rebuilding your credit – good luck and charge responsibly!

My call with a recon rep today was exactly like yours! He asked me to identify myself, ask about my annual income, certain red flags on my credit report – one account in collection that will be paid off by the end of june 2016 and a high credit utilization ratio which was actually lowered to 20% but not was not reflected in the experian credit report they pulled but shown on equifax. at the end of the long conversation, he told me that my application was sent for reconsideration and i should hear a decision within 7-10 days. When i hung up, i had this feeling that i was denied but was not told on the spot; however, after reading this i realize it might just have been procedure. i really hope i get reconsidered!

how did it work out

So i opened a chase freedom card back in february…last week in the mail, i received an ad for freedom unlimited – decided to apply due to better rewards program. Received the dreaded ‘pending review’ answer. Came across your website and followed instructions. The conversation was literally word for word how you described. On hold for about 3 minutes after answering some questions…and than congratulations Mr N, you’ve been approved.

Great work on your site and Thanks.

i applied for the chase freedom unlimited card and was given the reply that the application was under review. I found this site and other similar to it to try calling recon. I called and spoke to a rather lackadaisical gentleman. He told me i was denied tho the automated line kept spewing “pending review.” I asked for a reconsideration and he went asked me a litany of questions based off on the experian credit report. Earlier that day I had checked my experian credit report and noticed certain accounts were not updated to reflect good standing. I made sure to press the matter with the rep. He also asked me to explain my financial situation that led to those accounts (i slipped in student loans for 5 months!) After a few brief holds as he “noted” in the system…he came back on to tell me that my application has been sent in for reconsideration and i should receive a letter in the mail within 7-10 days with a decision. I asked if i can call back to check the status in a few days and he said sure. i have a strong feeling i have been denied, but if so, why did he not just point blank say so?

I just wanted to say thank you so much! I applied for a Southwest card yesterday and got the “pending approval” crap. I called Chase Lending Services and followed your script. The Rep probably just woke up and was very curt. She did however, tell me to call the Verification Dept (877) 470-9042 instead. I called and it stated that it was the Fraud Dept. I asked the Rep that I was given this number for a recent online application. She was very nice and asked for my name and my social. Less than 5 minutes later, APPROVED! $5K credit line and was told that it would arrive in the mail within 1-2 weeks. YESSSS.

Congrats! Thanks for sharing — hopefully they don’t start redirecting everyone to the Verification/Fraud dept.

I applied this morning and got the pending status too. I called the number you gave and was told to call that same verification line. The Verification Dept is open M-F 8a-8p, so I will call them bright and early on Monday!

UPDATE! I just called the Verification Dept this morning. The rep put me on for a couple minutes after I gave him my social. Then he came back and asked to send a verification code to my cell phone. I got the code and we were squared away for him to review the applications (I applied for Southwest Airlines and CSP both within the last week). He put me on hold for about 3 minutes and came back congratulating me and told me that I was approved for both. I was shocked considering that my scores for EQ, EX and TU range from 630-655 and one collection that’s months away from falling off, but everything else on my reports are never late. I think my saving grace was my salary (over 100K) and the fact that I pay all credit cards and loans on time. I took a chance and it worked! Thanks for your help. This site has been tremendously helpful!

Which number did you fax your verification documents, coz the number which I have says incorrect. I have 1885938302

I have used 888-643-9628. They say it will take up to 10 business days for the document to go through so the analyst can see it. That’s quite a long time! For me, it came through in about 5 business days. Make sure you send it with the best quality possible. I tried faxing with an email-fax service and they kept rejecting the documents. I finally used a physical fax machine and set the quality to the highest possible and it went through.

This works. Literally just tried it for personal card. I called in to see if my sapphire preferred was in transit. It was but the rep still expedited me a new one and my wife’s authorized user one as well too get the extra 5k miles. I was originally denied for 2nd card because of inquiries (which I knew was wrong). when on the phone with Mary, I bent her over and kissed her ass good lol. She approved me but couldn’t have that one expedited. Only issue was she approved me for the wrong card. Which was the freedom unlimited card with 1.5%. I was suppose to get just freedom with categories. She said take the unlimited, activate it then call in and they can swap it. Has anyone had to do this? What was your outcome?

Based on my experience, Chase typically requires you to hold that type of card for 1 year before they allow you to convert to another type of Chase card. Your scenario is a bit unique though since you literally just got approved (and not converting to avoid an annual fee – the most common reason people convert). Unfortunately I cannot opine but there is no downside to give it a shot – good luck!

Worked like a charm!

Welp, called into the business reconsideration line to find out that I was declined. Original reason was for an old chargeoff. Gave info about what I wanted to do (content creation and consulting), was asked about expected revenue by the end of the year. She put me on hold for a few minutes… was declined now only because of the lack of current revenue. I’ll try for the chase ink plus when the promotion is at 70k and when I’ve started to make money!

This is awesome! I just called in after the 7-10 pending message and they looked into the application right away. I was approved for the Chase Sapphire Preferred card three weeks ago for $20,200.

Today they approved me for the United Mileage Plus card at $25,300 after calling the recon number. The extra hundreds are sort of interesting.

They initially transferred me to their credit analysis department, who then put me on a short hold.

Thank you for this site, I also received the dreaded we need to review your application. My FICO scores are between 720-750 and just knew I would be approved. I spoke to two wonderful people and one sent a valdiation code to my cell. I gave it to her and answered a few questions on my application. I was approved. I am not sure what the credit limit will be but I am happy to use this card instead of my AMEX products to gain additional points to start traveling! Thank you so much for your website. You are a Blessing

Applied today for SW Plus card and got the “pending review” status so called about 10min later, the first guy asked for ss# and verify address then said the status was due to a fraud check so sent me to the fraud department and they asked for ss#, phone number and then how long I have had that phone number, then sent me the verification code on the phone and I read it back to them and was instantly approved. This really works well! Make the call! It is easy and will get you approved much faster.

Chase is by far the most difficult bank to get credit card. I am getting approved from Delta (AMEX), Capital One, Bank of America, Discover… And my credit scores varies between 720 and 750 as my credit history is less then 2 years since I moved recently to USA. Too bad as I wanted Chase Preferred Credit Card. I called number above but I didn’t get anywhere, no direct answers or suggestions, they are basically saying don’t apply if you are declined. My advice if you credit score is below 750 and you have opened several accounts in last year, don’t even bother. I receive offers in my mailbox all the time but she said that they send it to everybody

I just applied for the chase freedom card last week what should I do to see if I was approved just saw they checked by credit what’s your thoughts

I applied for the Southwest Premier (Personal Card) and the Business card (both with 50k bonuses). I was immediately approved for the personal, but a week has gone by, and no word on the Business card. I found a link for the Plus (the other personal card) with a 50k bonus, and I am tempted to just go ahead and apply for it, thinking I’ll have better luck. Do you think I could get denied for this 2nd personal card if I tried while having a business in limbo status, or would it possibly hurt my chances of getting approved for Business? What are your thoughts? Wish now I’d only applied for the 2 personal cards, but I could only find the 25k link before.

Ymmv. In your shoes I would wait for approval before applying again

Applied for both Southwest and Hyatt last week and instantly approved for 9k limits on each. Applied for CSP yesterday and received “review pending”. I called the number to check on status and was transferred to a rep who stated it was most likely a fraud protection/verification issue and said I could call back and check the status at any time. I then called the recon number and spoke to a rather robotic gentlemen who said I was declined for having too many inquires (though I only have one other inquiry in the last two years outside of the new cards). Gave the usual “anything else I can help you with today?” like, so I figured I wasn’t going to be reconsidered for approval. Called back an hour later and spoke to another analyst. We had about a 40 minute conversation. He asked me a bunch of questions regarding my home, income, things on my report, etc. He told me the reason for the initial denial was too much credit issued with no previous history with Chase. He offered to approve me for the CSP if I shifted some of my new credit around, which I happily accepted! BOOM!

Congrats buddy! Just keep in mind the 5/24 rule going forward – these may have been your last scores with Chase.

I applied online on June 7th got the pending had to verify 7-10 day message.

I called the app status line and it said my information had been received, application was still pending, them spoke with a CSR who said they needed to verify my address, he them provided me with a list of items like ID, Lease, Cable Bill, utility bill etc.. He provided me the reference number and he fax number.. Is this a good sign, I faxed my electric bill the very next morning. Should I call the reconsider line our should I just wait

Give it a few days for things to get uploaded into the system and then call to follow up. Generally this is a good sign since they didn’t outright reject you.

Thanks, I will do just that. I will give an update next week..

Did you get an approval in the end? How long did you wait to call the recon line again? I’m in the same situation as you. Thanks

My experience…. I applied about 3 months ago to the Chase Slate card, and received the message that my application needed further review. As a result, I didn’t do anything and just waited. I was very certain that I would get it due to my credit score, a pre-qualification letter that I received a few months before (which I think had expired by the time I applied), but I was certain that nothing had change in my payment record or credit score. So I was certain I was going to get approved. Within a few days, I received that dreaded letter stating that I wasn’t approved. I have to admit, I was shocked to read that letter but decided to shake it off and act as if it never happen. Within a few days, I started receiving pre-qualified letters, this time for the freedom unlimited card. Not going to lie, I was tempted to apply but did not want to go through the same situation or add another inquiry to my credit score. But the letters still kept coming.

It is now June and I had received about 4 pre-qualified letter for the freedom unlimited. So this time, I felt confident again that I was going to be approved and that I still had a chance. I mean, why are they sending me all the pre-qualified letters if I wasn’t a good candidate. Well last Sunday, I decided to apply. Guess what? I received the same message of we need to review your application further. Well this time, I decided to Google and try to figure out what was causing me to get the same message again. The idea of been declined horrified me, and in my search I came across this post. Not going to lie, I read every single message and experience on the comments. Trying to understand and see if I could relate to anyone. I had also read a few reviews on the CK website as it came up in my google search. After reading this post and all the comments I decided that I was not going to just wait. I had to do something and call the reconsideration line, but I had decided to do this too late because it was after business hours. I finally called on Monday and follow the script. I do have to say I also got a really sweet lady, who made it easier to do small talk. Apparently, an old collection, which I paid in full was coming up on my credit report. I explained to the rep. the reason of why that account was coming up and the fact that I had paid it in full. I also shared with her that I am still doing business with that company. So after a few minutes and a few holds she said she was adding notes to my application to explain the reason of this collection. She also mentioned she would put the application through one more time. A few more questions were asked regarding income, address, employment, etc. Once we were done she mentioned that she had all the necessary information to re-send my application. That after further review, I would receive a letter in the mail letting me know the outcome. The call was about 45 mins, but overall, I though it was a great call and the rep was still the sweetest person all throughout the call. My advise would be to stay positive, tell the truth even if you had a collection and explain why you have it and also what you did to resolve it. This helped the representative understand my situation.

Anyways, I finished the call and really though I had a 50/50 chance and I would just be patient and wait. Later that day, I had to check my balance on my checking acct. and to my surprise, my balance also included a credit card notification with my credit limit. I was shocked and so happy. I couldn’t believe that making this call actually worked. Had I not done this call, I would have been declined. With that said, I was thankful for finding this post. Today, 4 days later, I received my card and I am so proud. Thank you Reward Boss!

Thanks for sharing! Perhaps you can request the company reporting the debt update their records so it shows as paid off… might help for future credit requests.

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