2 Ways to Check Chase Credit Card Application Status
Writer: Mike Randall
Mike Randall, Contributing Expert
Mike Randall is a former contributing writer for CardRates.com. He is an expert in credit and personal finance, having written on those topics in national publications for over a decade. During his tenure, Mike has written over 300 articles, covering everything from consolidating debt to reducing impulse spending. Aside from credit cards and scores, Mike enjoys writing about changes in the subprime market and how they directly impact financial decisions.
Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.
Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.
With all of the credit card choices offered by Chase, it’s no wonder they are one of the largest issuers of business and personal credit cards in the country. The family of popular Chase cards includes Chase Freedom, Chase Slate, and the prestigious Chase Sapphire card in both Preferred and Reserve versions. Of course, there are also many co-branded and specialty reward cards issued by Chase.
If you’ve applied for a Chase credit card online, approval is usually instantaneous. However, there are some cases in which applicants may not hear back right away. Keep reading to learn about a couple of quick ways to check your Chase credit card application status.
1. Login Online to the Account You Created When Applying
Although Chase, surprisingly, does not have a specific online credit card application status feature, there are still ways that you can check your status. If you applied online, then part of the application process involved setting up an account and password. Begin by logging into your account.
Once logged in, click on the Customer Center tab to the right of the screen. This will bring up an Account Services window, and, toward the right side, you will see a category for Open a New Account. In this category is a recently added selection called Check My Application(s) Status. No, they certainly don’t make it easy. However, clicking on this link should let you see the approval status of your credit card application.
Another way to check your status online is to send a secure email message asking about the standing of your application. To do this, go to the Contact Us page of the Chase website. Next, click on the Credit Cards link, and select the Send a Secure Email option. You will then be asked to enter your User ID and Password. Once logged in, you can send a message inquiry and expect a response to your inquiry within minutes.
2. Call the Automated Application Status Phone Number
Chase does have an automated system that allows you to check the status of your application over the phone. There are different numbers to call depending on whether you’ve applied for a personal or a business credit card from Chase. That said, you can also call the Chase main phone number, and the menu system will direct you to the right place.
Chase personal cards: 1-800-432-3117 Chase business cards: 1-888-269-8690
The menu sequence for the personal and business card numbers is 1, 3, 1, after which you’ll be asked to enter your Social Security number. Once authenticated, an automated message will tell you the status of your credit card application.
Try the Reconsideration Line for Denied Applications
If you find that your application for a Chase credit card has been denied, you have the option of asking for a reconsideration of your application — essentially an analysis and review of why they turned you down. A special phone line has been set up for this reconsideration process and is staffed by credit analysts who can review your application on the spot. The number to call to speak to a live credit analyst about your personal credit card is 1-888-270-2127.
In preparation for speaking with a credit analyst to get your application reviewed, consider some of the possible reasons why Chase may have denied it. Among these might be Chase’s “5/24” rule for personal credit cards. This well-known restriction that prohibits people with more than five credit cards opened in the past 24 months from being approved for most Chase cards. You can still try the reconsideration process, and maybe ask the analyst if there’s a different card you can get.
If you’ve been denied for a business credit card, the reason may be more specific, such as revenue earned, tax filing status or something similar. If this is the case, be sure to have all applicable documentation for your business available when you call. Also, be prepared to fax any requested documents to the analyst.
If your application for a Chase credit card is still denied, there are other alternatives, depending on your credit score and history.
Credit Card Alternatives for Good Credit (FICO Score 700+)
Having a FICO credit score of 700 or higher puts you in the category of folks with good credit. That means you have plenty of options in finding the card that fits your individual needs. From bonus cash back rewards to low APR rates to frequent flyer miles, it’s great to have choices. Here are some of the excellent alternatives we’ve found for people with good credit.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount. No annual fee.
Get a 0% intro APR for 15 months on purchases. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Intro (Purchases)N/A
Intro (Transfers)0% 18 months on Balance Transfers
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
Earn unlimited 1.5% cash back on every purchase, every day
$0 annual fee and no foreign transaction fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
0% intro APR on purchases and balance transfers for 15 months; 18.49% - 28.49% variable APR after that; balance transfer fee applies
While not a terrible score, this puts some limitations on the type of credit cards you can qualify for. Generally, this could mean a slightly higher APR or a lower credit limit. However, there are still plenty of great card alternatives with great benefits, such as no annual fee and unlimited cash back rewards. Here are some great choices.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
No rotating categories or limits to how much you can earn, and you can use your cash back for any amount–get gift cards, cover purchases or redeem for cash. Plus, rewards don’t expire for the life of the account
Be automatically considered for a higher credit line in as little as 6 months
Help strengthen your credit for the future with responsible card usage
Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Earn 8% cash back on Capital One Entertainment purchases with your SavorOne Card and enjoy exclusive access and cardholder perks
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Capital One SavorOne cardholders can pay with their rewards via PayPal Pay with Rewards and at Amazon.com
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount
No credit score required to apply.
No annual fee and build credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.
Even if your credit score happens to be below 650, putting you in the category indicating bad credit, there are still plenty of choices out there for you. In fact, among the features of credit cards available for those with bad credit, you’ll find many with no annual fees, competitive APRs, cash back rewards and more. Here are some that we highly recommend.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
If you’re someone with a limited credit history and no FICO score, you can still qualify for a credit card to help you start building credit. Many of these cards have no annual fee, offer reward points, and have all the flexibility of other high-quality credit cards. Take a look at some of the credit card choices we recommend for those with limited or no credit.
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
The secured Self Visa® Credit Card* requires no credit check or minimum score.
Reports to all 3 major credit bureaus to establish and build credit, with free access to your credit score.
Secure your credit line with a refundable security deposit as low as $100.**
Deposits are returned upon account closure after settling outstanding balances.
*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
**Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
Intro (Purchases)N/A
Intro (Transfers)N/A
Regular APRVariable APR of 27.49%
Annual Fee$0 annual fee for the first year only, $25 annual fee thereafter
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Our experts rate credit card offers based on factors like rewards, APRs, signup bonuses, fees, and approval rates, with a focus on benefits that provide the best value. We also consider cardholder needs such as credit-building potential, issuer reputation, and customer service. Our ratings are unbiased, updated regularly, and not influenced by issuers.
2% cash back on category of choice with direct deposit***
The perks of credit building meet the best of banking****
Chime Checking Account required to apply for the Chime Visa® Credit Card
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
*Money added to Chime CardTM will be held in a secured deposit account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
**Out-of-network ATM withdrawal and over the counter advance fees may apply.
***With a qualifying direct deposit, earn 2% cash back on category of choice on eligible secured Chime Visa® Credit Card purchases.
****On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
No matter what your credit score and credit history are, there’s a credit card to meet your individual needs. If that happens to be a Chase credit card, there are plenty of excellent choices available. And now you know just how to check your application status, whether online or over the phone. But if you’re turned down for a Chase card, don’t fret — there are plenty of great credit cards out there!
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