The reason why your Chase credit card application status is under review is that Chase has yet to decide whether to approve or deny you, and your application decision will come later. When you don’t receive an instant decision from Chase, you’ll hear back within 7-10 business days of applying in most cases. Rarely, it can take Chase up to 30 days to make a ruling.
Keep in mind that you can check the status of your Chase credit card application over the phone at(800) 432-3117. While you wait for a decision, there are a few things to keep in mind.
Chase card application status under review: What to know
Factors that need reviewing
Chase looks at your credit history, income, debt, housing status, and number of recently-opened cards, among other things, when deciding whether to approve your application.
Approval time
Chase credit card applications are usually under review for 7-10 business days. However, some applicants may receive an instant decision, while others may have to wait up to 30 business days in rare cases.
How to check your application status
You can check the status of your application as often as you want. To do so, call(800) 432-3117, follow the prompts, and enter your Social Security number. At the moment, there is no way to check the status online.
What to do if your application is denied
If your application is denied, you can call Chase’sreconsiderationnumber at(888) 270-2127. Reconsideration is a long shot, but it’s worth trying if your circ*mstances have changed or you need to explain something on your application.
It is worth noting that all Chase credit card applications have the status “under review” at some point, whether for a matter of seconds or days.
There are three possible outcomes:
- You could get an email saying you’re approved and receive your new card in the mail after another 7-10 business days. You can, though, call Chase customer service to request a 72-hour expedited delivery for a fee.
- You could be denied by email and get a letter explaining why in 7-10 business days.
- You could be asked to provide extra documentation or clarify a mistake in your application.
Ultimately, if you’re denied, don’t get discouraged.WalletHub’s free credit analysiswill tell you exactly how to improve your credit score. You’ll also receive recommendations for credit cards with high approval odds.
This answer was last updated on 08/06/24 and it was first published on 02/23/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
