The big promotion is finally over.
I’ve had had a few follow up emails with people worried that they didn’t or won’t get approved. In this post, I’ll give you a few tips to help give you the best possible chance of approval in case you didn’t get approved.
5 Steps for Getting a Chase Approval After You Are Denied
1. You don’t need to wait 7-10 days for your response.
If your application is pending, any time after a couple of days you can call 800-432-3117 or 1-888-245-0625. Just be sure you’re talking with someone in the application department. You would also need to call this number if your application was denied.
If you were approved, then get spending your minimum spend requirement to get your 100,000 miles.
If you were denied, don’t give up yet; there is still hope. You should try and follow up within 30 days of your original application.
2. Ask why you were denied.
There are various reasons why a person can be denied a credit card. Be sure you know the reason in your case.
3. Request that the person on the phone review your application to see if there is any way you can get the card.
This is the time you’ll want to share whatever information you have that might sway the decision:
- I’ve been a Chase customer for years.
- I have a 780 FICO score.
- I’ve never missed a credit card payment in 6 years.
- I make $75,000 per year.
When I was once denied for a Chase card, the first thing they did was verify the information on the account and asked some more detailed questions. What type of work did I do? How long had I been self employed? Those types of questions.
4. Offer to make some changes or adjustments to your existing accounts.
After they asked their questions, I shared some options and alternatives.
I shared the reasons why I thought I should be approved. Then I added that I’m happy to reduce my credit limit. I had a Chase card with a $9000 limit, and I asked if I could get one with $4,500 and the other with $4,500, and they agreed.
They did ask me why I needed two credit cards, and I just told them that I wanted to be able to earn miles with both airlines.
If it is because you have too many Chase cards, offer to close an older account.
5. Thank the representative.
If you’ve shared what you can share and offered what you can offer and you are not approved, you should just thank the rep and move on with your life.
At this point, if you want to be earning free travel with credit cards, you need to shift your focus towards improving your credit score. If you’re not currently tracking your score, you can get your FICO score at MyFICO, or monitor your score for free at Credit Sesame.
Have you ever been denied for a Chase card? Did you follow-up? What was the end result?