5 Steps to Getting Approval for a Chase Credit Card [Even if You Were Denied]

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?


  1. Barbara says

    I did this card for 3 of our family members. BA /Chase is REALLY slow with the approval or not/ and then getting the card to you as well, so take that into consideration. Think they are swamped with apps:) My husband was approved no prob, but took almost 3 weeks from app. to receiving the card…slow… On my app, they sent me a letter (I am self employed) asking to talk with me, as I already had several CHase cards.(Cont.+ United).So I called… I mentioned I needed the BA card for the “no international service fee” option , and that “I use my Capitol One Card almost exclusively when I travel” because of that.
    They didn’t like hearing about that:)

    I had a large credit line sitting with an old MP Visa ( I had swapped down to the free card, several years ago and wasn’t using it as only 1 mi/$2 spent) so we pulled 1/2 from there and put it to a new BA Visa.Good to go!

    Our 3rd app for this card (my 24 yr old daughter) was denied due to “too many cards with us” .(by letter). But she called and talked to them and explained the above as well (international fees/Cap One) and offered to transfer some credit from another Chase acct. and then was approved!

    SO a no is def. not a no. They want to be reassured that you are a good bet, like alot of your suggestion points.

  2. says

    Craig, I just applied and got approved for the Chase Marriott card and applied the very same day for the Chase Sapphire Preferred card. The Sapphire was denied, but I called and talked with them and they approved it! I asked if I could transfer the credit line from my other two Chase cards and they did it. So we’re almost set for our trip to Hawaii. :)

    • Craig says

      That’s great to know. Some folks say Chase is no longer doing more than one personal in the same day, but obviously that is not true. I’ve found that Chase will really work with people on the phone to help them get approved.

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