|Chase||American Express||Bank of America|
|Credit One||Discover||Store Cards|
|US Bank||Wells Fargo|
How To Check Your Chase Credit Card Application Status
If you just applied for a Chase credit card, you can check your application status online or by phone.
- If you already have a Chase account, you may want to choose the online option, and if it’s a basic Chase account, you will be able to find a link titled ‘Check my application(s) status’ on the right hand side in your portal. If it’s a Chase Private Client Account, you will see a tab titled ‘Application Status’ on the left hand side.
To set up an account, go here and enter your application reference number, or another identifying number, such as that of an investment or checking account, or a mortgage or auto loan. You will also be asked for your social security number or tax id number.
- If you don’t have an account with Chase and would prefer not to set an account up at this time, you can call 1-888-338-2586 to reach the automated Cardmember Services Application Status line directly. This is the official Chase application status number, where you will be asked to enter your social security number to link your SSN and identify your chase account.
You can also reach this app approval status line by calling Chase Card Services at 1-800-432-3117. Currently, you need to press # for application status, then “3”, but that could change. By the way, this is a number to keep in mind, because it is also the number to call if you need to report your card as lost or stolen.
If you have time to wait to receive the card, you won’t need to check your status and can just wait to receive the decision. You will automatically receive a letter from Chase within 7-10 days with your decision enclosed. Keep in mind you will not be able to track your card to see when it shipped and where it is.
In some cases you will receive an email soon after you apply stating that you will receive a decision in 30 business days. If you call the status line and enter your SSN, you may be told that you will be notified in 2 weeks or you may be told it will be 7-10 business days.
In other words, you may get conflicting information, and it’s normal to not have a firm date.
Recognize that just because you receive an email saying your application is under review and it will take 7-10 days, you are not necessarily denied. Some people do get an approval email the same day, but others take longer. There are several reasons your application might take extra time.
As a friendly reminder, check if you had your credit reports locked, which would make Chase unable to check your credit and approve you for the card.
Alternatively, you may have recent credit inquiries on your credit report and Chase would like to confirm that you do not represent a risk.
Or, Chase may need to verify your address if you recently moved, or verify your income in which case you may be asked for a pay stub or other proof of income like federal tax returns. As long as you include your application reference number when you send in your verification information, there’s a good chance this is all Chase needed and you will be approved.
In other cases, there is not a noted reason and just calling Chase Card Services at 1-800-432-3117 and talking through your application status with the representative will result in immediate approval.
At this point, the only extra step to complete may be to get on the phone with Card Services and read back a text message that they sent you as a verification measure.
Pro Tip: If you have had a Chase card in the past and you are approved for your new card, you may ask for expedited shipping, which will take 2-3 business days. This is at no cost to you. This is available for replacement cards as well.
Of course, you may receive a denial. If the reason for denial is not representative of your ability to pay your Chase card balance and your credit score is 700 or above, it would be smart to call the reconsideration line.
Calling The Chase Reconsideration Line
If you are denied, you want to call the Chase Reconsideration Line for personal cards at 1-800-270-2127. You will hear a prompt asking if you are calling about a recent correspondence or message, including a reference number.
This number will work for Chase Freedom, Chase Slate, Chase Sapphire, and all Chase cards, including the Amazon Visa cards, Disney Visa or Southwest Airlines cards, and is open from 9am – 5pm every day. For business cards, call 1-800-453-9719 in the afternoon starting after 1pm for business cards. The hours stated by Chase are longer, but some applicants have noted the most success calling in the hours above. The automated prompt is the same for both numbers.
As a second option, you can call 1-888-245-0625, where you are likely to get an analyst who can review your application in detail.
One possible reason for denial that we have not brought up thus far is opening too many Chase credit cards in too short a time. In order to approve you for a new card, Chase requires that you have not opened more than 5 personal credit cards in 24 months across all banks. This is called the 5/24 rule, and it means that even if you close accounts, they will still count as once opened. American Express, Bank of America, Citi, and Capital One also have documented card limit rules.
Pro Tip: If you have a Chase card open and you are approved for a new Chase card but at a credit limit that is lower than you need, you can call reconsideration and ask for a credit reallocation from the other card to the new card.
How To Check Your American Express Credit Card Application Status
You can check your American Express application status online or by phone.
- To check online, go here. You will only need to provide your social security number and zip code.
Pro Tip: Even though the page mentions you cannot check balance transfer status here, if you have existing cards and have a pending balance transfer request you can in fact click “check application” and find a link for you to check the balance transfer status for an existing card just inside the portal.
- Call the American Express automated application status line at 1-866-314-0237.
Instant approvals are common with American Express, especially if you have excellent credit, but if you receive the “in progress” status, there may be a few reasons you were not immediately approved and that your application was flagged. First, if you have recently built credit up from scratch in last the past six months – this is unlikely to be the case for most applicants – or if you have applied for another card within the past six months, in either case there would be a recent change on your credit report that may be delaying the application.
Alternatively, you may have entered your post office box instead of your home address as your mailing address. You may have to send proof of your mailing address by providing a bill with your name on it or even a notarized bank statement.
Finally, another reason for a delayed application would be if you had applied for an American Express card recently, as you may be flagged for multiple applications. If you have more than four American Express credit cards (charge cards don’t count and have their own limit of four) across personal and business, you will most likely be flat out denied.
Or, you may need to verify your identity by providing passport or other uniquely identifying information, which could be as simple as your date of birth and address.
All of these scenarios might have gotten your application flagged as fraud and would be reason to call the American Express Application Status number (remember to provide your application reference ID) at 1-866-314-0237 to expedite the processing of your application and get it approved.
Pro Tip: 866-314-0237 is the same phone number you would call to find out your credit limit, which you would want to know if you approved. After 60 days, you can request a credit limit that is up to three times higher than the limit you are initially given. You can also reallocate your credit limit online here if you have other American Express cards, but note you can’t transfer credit from business to personal cards.
You may receive a message that you have to wait 14 days for your application to be reviewed. This does not necessarily mean you are denied. If you applied for other American Express cards recently, American Express may simply have to verify that you meant to apply for this card as well.
Another possible scenario is that you may be asked to submit additional documentation, such as other accounts you have open along with the credit utilization of each account. You could be asked to provide proof of income in the form of a pay stub, tax return, W-2, or through bank statements.
Lastly, if you receive the “cancelled” status, it is likely there is a mistake in the content you provided in your application or it may just be that your identity couldn’t be verified.
Calling The American Express Credit Card Reconsideration Line
If you are denied and you believe this was unexpected or you have a change to report, such as an income increase, you can call the American Express reconsideration and new accounts line at 800-567-1083 for personal cards. For business cards, call 1-800-567-1085.
If you call reconsideration and are recommended for approval, your status will change to ‘in progress’ until a final decision is made.
If you are approved, your card will be mailed out of Omaha, Nebraska in a white envelope with an American Express logo, and you will receive it in 7-10 days. Once you receive your card, you can set up your online account here.
How To Check Your Bank of America Credit Card Application Status
You can check your Bank of America application status online for personal cards and online and via phone for business cards.
- Check online here by entering your last name, date of birth, last 4 digits of your social security number, and your zip code.
2. There is a phone line for personal cards at 800-545-7899 that offers a prompt for checking your application status (currently you Press 3, but that could change). However, the response is an automated message that it may take up to 30 days for you to receive a decision and that you can monitor your status online.
However, for business cards, you can call 866-695-6598, where you will hear an automated message to call back if it’s been less than 48 hours since you submitted your application. Then, you will be connected to a business card representative.
If you receive the message that your application is in review, it’s not necessarily a denial. Calling Bank of America can increase your changes of getting approved if it isn’t yet clear what is causing the delay. For example, the problem may be as simple as you had applied for two Bank of America cards in a short time period, causing the second application to be flagged as a possible duplicate. Call in and you are likely to get approved in this case.
Or, it could be a lack of credit history or too many recent inquiries; for example, more than 5 inquiries in the past 6 months may be cause for concern. A bankruptcy is especially hard to overcome.
In other cases, it can simply be a fraud check. Often, the representative will ask to verify your identity, at which point you can verify other accounts you hold, or answer questions like ‘which is the bank that originated your mortgage’. Finally, you may be told that the account is under review so that they can take time to determine your credit limit, and you may be offered the card you applied for with a low credit limit, or a different card altogether. There are even scenarios where you may be offered an approval if you secure the card by opening a bank account with them and making a significant deposit.
It increases your credit score to have a high credit limit and a low amount of credit utilized. This is called credit utilization. Despite this fact, it is possible to be denied for having too much extended credit. Banks do not disclose their application criteria for legal and competitive reasons, so you will understandably not find this noted in their application material.
If you are denied for this reason, mentioning in your reconsideration call that you will close accounts or reduce the existing credit line on other cards may be recognized as reason to approve your account. Although if you have opened a large number of accounts, this may not be sufficient. Your reconsideration calls do result in notes on your account, so although it can help to call back and make an attempt to add new information, be sure it is truthful information.
Calling The Bank of America Credit Card Reconsideration Line
If you’ve been denied, you can call the personal reconsideration line at 800-354-0401 (alternatively, you can call the general customer service line at 1-800-732-9194 or use the mailing address below). The business reconsideration line is 866-695-6598.
You can mail Bank of America at the address below:
Application status inquiries
Bank of America
PO Box 2493
Norfolk, VA 23501-2493
In general, you will have better odds if you have a current relationship with Bank of America. With that said, if you have five Bank of America personal cards, you will not be able to open more cards.
How To Check Your Barclays Credit Card Application Status
You can check your Barclays application status online and by phone for personal and business cards.
- Check online here for personal cards and here for business cards. You will need to enter your last name, last 4 digits of your Social Security Number, zip code, and email.
2. You can call Credit Services at 866-408-4064 to check your application status.
As soon as you apply, you may see a message saying your application is being reviewed and will take up to 10 days to receive a decision. If the reason is quantifiable and clear, such as too many accounts opened, you could be denied within days and then receive a letter confirming your denial.
As a friendly reminder, if you have frozen your credit to prevent identity theft, Barclays will be unable to check your credit and make a decision on your application.
If you are approved, you will be able to login and manage your new card. Note that the accounts for personal and business are separate, so if you have a business and a personal card, they will be separate.
Calling The Barclays Credit Card Reconsideration Line
You can call 1-866-710-2688 for both personal and business reconsideration. You may be transferred to the credit or security department depending on your file, according to a Barclays representative we spoke with, but this is where you may be asked general questions about income and the reasons behind card inquiries on your credit report.
If you are a business, understand that you may have to have a phone call where you are asked about your profit margin, employees, and line of business, as well as income provided by a spouse. You could also be asked for a copy of your social security number and license, as well as a bank statement or utility bill, which could confirm your address.
If you are a sole proprietor, this may be a lot of additional documents to provide that do not make sense for your business, and in some cases you may be approved without them.
Barclays is unique in that when you call the reconsideration line (or the Credit Services phone number above, which you can use to check your application status), you will likely get a real person immediately.
How To Check Your Capital One Credit Card Application Status
You can check your Capital One approval status by phone for personal and business cards. You cannot check your status online. During our most recent check on our application status for a card – the phone number is 800-903-9177 or 800-933-5182 – we were on the phone with a representative in the first minute, and we received a result on our application within 2 minutes. To get a representative on the phone, you simply follow the prompts by saying ‘check the status of an application’ and then enter your social security number.
Note that certain questions you may have about your application status, such as recommendations for other cards you might get approved for, as well as questions about changes or opportunities to increase your credit, may get referred to other departments, or even to the credit bureaus. This is not ideal, but the representatives will conveniently transfer you if your question is regarding a Capital One service: for example, CreditWise, their credit monitoring app.
If you applied online, you will generally get a response immediately. Regardless of the decision, you will receive a letter within 7 to 10 days of your application. The letter may request additional documents, such as proof of income, which will delay your application but will likely be quickly verified by Capital One and move your approval forward.
Capital One is sensitive to people with several cards, such as people who like to travel. If you are in this category and have opened a number of credit card accounts in the past 12 months, excellent credit, a long credit history, a high income, and other accounts with Capital One may not be enough to approve your application.
Another sensitive issue unique to Capital One is that when you apply, each credit bureau will get a hard inquiry, also known as a hard pull. When you get a hard pull, your score decreases about 5 points, so each of your 3 scores (one score per bureau) will go down. This is actually not a big deal, because the score that credit card companies use to determine your creditworthiness is a composite of the three bureau scores. Plus, they also take into account your FICO score and the information the company has on file from your applications, so there is no reason to avoid Capital One to escape the three hard pulls, especially given their strong reputation in the credit card space.
Calling The Capital One Credit Card Reconsideration Phone Number
Capital One does not have a dedicated reconsideration line phone number. The most likely number that will help you is 800-625-7866, which is Application Services, where you will be able to speak with an Account Specialist. Note that this is different from the Application Status department, mentioned above, which is 800-903-9177.
If you are an existing Capital One customer, you can call general customer service at 1-800-951-6951, although this may not be the quickest way to get your answer about getting approved, as compared to the specific departments above.
How To Check Your Citi Credit Card Application Status
You can check your Citi application status online and by phone for personal cards and for business cards.
1. Check your application status online here. You will enter your application ID, which was sent to the email you provided when you applied, and your zip code. If you don’t have access to your application ID, you can enter your primary phone number, zip code, and month and year of birth to check your status.
2. You can call 888-201-4523 for personal cards or 1-800-645-7240 for business cards to learn your credit card application status. In either case, currently the prompt will ask you to first pick your language, then press ‘2’ once (unless you applied for the Citi Costco card, in which case you press ‘1’) and then press ‘2’ again for Application Status, at which point you will be prompted for your social security number. Keep in mind the dial prompts may change.
You will receive your card within 14 days if you are immediately approved. In other cases, the application status will be ‘pending’, and you may be told it will take 7-10 days. There are cases where you will need to verify your identifying information or income, or that it was actually you who applied for the card.
Citi is like the other global banks in that it considers recent hard pull credit inquiries in its application decision. If you have a half dozen or so hard credit inquiries on the credit report that Citi used to make a decision on your application, your application may be denied.
Also, your existing credit line with another bank may not be a factor with Citi, as each bank grades your creditworthiness independently, so don’t count on your status with other banks assisting you towards an approval with Citi.
Calling The Citi Credit Card Reconsideration Phone Number
If you are denied, you can call the Citi reconsideration line at 800-695-5171 for personal cards and 800-288-4653 for business cards.
With Citi, you also may consider contacting the executive review office after you have called the application status and reconsideration phone numbers.
The mailing address is:
CitiBank Executive Review Department
P.O. Box 6000
Sioux Falls, SD 57117
Their phone number is 605-331-1698.
How To Check Your Credit One Credit Card Application Status
You can check your application status by phone or online.
- You can check online here. You will need to enter your last name and social security number.
- You can call the Application Information Phone Number at 1-800-752-5493 from 5 am – 9pm Pacific Time Monday – Friday and 6:30am – 5pm on the weekends.
Pro Tip: Like with most banks, before you apply for real with Credit One you may have received a pre-approved offer (this is when you are contacted by the bank and recommended as qualified for a card) or you may have pre-qualified (this is when you fill out a pre-qualification form like this one which you can access from the home page of the Credit One Bank website).
One important consideration with the first case, where you are contacted by the bank for a pre-approval, is that they are not a guarantee of approval. For example, the bank in question might not have your income during the pre-qualification or pre-approval, which could be the deciding factor as to whether or not your application is approved. Or, your overall credit utilization across other cards could have increased since the time you were added to the pre-approval mailing list by the bank.
The good thing about receiving a pre-approval or completing a pre-qualification before an actual application is that although the bank will be able to access the same information as they could with a hard pull to provide you with these offers, the bank will only perform a soft pull to do so, meaning there will be no mark on your credit report and no negative effect on your credit.
You can expect to receive your Credit One card in the mail within 10 days. You will need to activate your card within 14 days or it will be automatically closed. This is a significantly shorter time period than that of many of the global banks, like American Express, Capital One, or Chase. Credit One is understandably but noticeably harsher than other banks as they are a sub-prime lender (sub-prime is a less than 650 or so credit score), and you will find high fees on their cards and in many cases will be charged interest beginning at the time you make a purchase. However, if you pay in full consistently, you can get your credit limit increased. With this in mind, only consider Credit One if you are rebuilding credit and do not want a secured card.
In the same way that individuals with excellent credit will be sometimes denied by prime banks for too many recent inquiries, due to the expectation that these customers may be only trying to obtain sign up bonuses and are unlikely to be consistent users of the card they are applying for, Credit One will also deny you for too many recent inquiries, under the expectation that you may badly need credit and may not be able to pay them back.
As a friendly reminder, Credit One is a separate bank from Capital One.
Calling The Credit One Credit Card Reconsideration Phone Number
There is not a dedicated reconsideration phone number for Credit One, but if you are denied, there are a few phone numbers that may help you:
Customer Service: 1-877-825-3242
Application Information: 1-800-752-5493
You can also mail a letter to the mailing address you receive on the denial letter from Credit One:
Credit One Bank
P.O. Box 98878
Las Vegas, NV 89193-8878
How To Check Your Discover Credit Card Application Status
You can check by phone or online to receive your application decision.
1. You can apply online here. You will need to enter your social security number and zip code.
2. You can call Discover customer service at 1-800 Discover (1-800-347-2683). You can also call the members number at 1-800-347-3085 to check your application status. It takes time to process an application that is under review, so it’s recommended to wait 2 days after applying before calling to check.
There are several reasons your application may have been flagged as requiring further review. For example, Discover states that your approval time may be longer if identity verification is required, or if you have a lot of credit lines open. You may be called to request more information.
If you are approved, you will normally receive the card in the mail in 7-10 business days. If it’s a card with quarterly bonuses, you’ll want to activate the current bonuses from the cash back calendar here. As long as you pay your balance consistently, you can expect your credit limit to significantly increase.
Calling The Discover Credit Card Reconsideration Phone Number
The phone number for reconsideration is 1-800-347-2683 or 1-800-347-4736 for New Accounts. If the reasons for denial are not legitimate, you may get approved. This would be after a second pull on your credit, so make sure you are not applying for a mortgage soon, which is a situation when you want to limit your hard inquiries. Alternatively, you may be informed that reconsideration is not an option and recommended to reapply or to apply for a secured card.
You can write to Discover at this address:
Discover Financial Services
P.O. Box 30943
Salt Lake City, UT 84130-0943
It’s possible Discover made the denial decision with information that is not up-to-date, so if something in your credit file recently changed in the last 60 days, this would be a good reason to call reconsideration. For example, if you were able to clean up a derogatory mark, such as a tax lien or something as simple as a late payment, or if you were to significantly lower your credit utilization, this could help your case for reconsideration. Discover is known as a difficult bank to get approved with, and reconsideration attempts are no exception.
How To Check Store Cards’ Credit Card Application Status [+ Reconsideration Phone Numbers]
There is no way to check your application status online, but you can call 800-542-0800.
After you apply, you could receive an under review response and a request to wait 7-10 days for a decision.
If you are denied, note there is not a formal phone number for reconsideration, but you could send mail to this address, or simply send mail to ask about your application status, if it has been under review for more than 10 days:
JCPenney Credit Services
customer service C/O SYNCB
P.O. Box 965009
Orlando, FL 32896-5009
Another option is to call the main Synchrony bank phone number at 866-419-4096 if you have other Synchrony accounts. In general, you may have a better chance of approval if you are an existing customer of the bank through another store card.
Store cards tend to be easier to be approved for, but there is no guarantee of approval, especially online. Applying in store may be a less rigorous approval process. For example, normally you are applying during a purchase, which could help.
Also, applying in store during the holidays could increase your odds. Cashiers may especially want to work with you during this time of year, not only to help you achieve your shopping goals but also to assist you quickly in order to get to the next customer. It may be possible to receive a more generous credit limit in store as well.
If you are approved and make several payments on time, it’s worth requesting a higher credit limit, which you can do in your online account, especially if you receive less than $500 as your credit limit. That limit can rise. Cardholders with older accounts may have a credit limit of $10,000 while cardholders just starting out may have about $100 as their limit.
Note that typical reasons for denials from global banks apply to store cards like JCPenney’s as well, such as derogatory marks like collections and late payments, or too many recent inquiries.
You can call the Lowe’s Credit Center at 1-800-444-0430 or 1-800-444-1408 and follow the prompts for application status. You can also contact Customer Care at 1-800-445-6937 and follow the prompts for the credit card option.
If you are asked to wait 4-5 days or 7-10 days for your application status, it may not be a denial. For example, a common issue is identity verification. You may be asked to confirm a code sent to your phone. To try to move your application forward and if you have tried the numbers above, you can call Credit Services at 1-800-380-0186 or Consumer Underwriting at 866-740-7929.
If you are approved, you may request a higher credit limit by calling Synchrony Bank Credit Solutions at 877-379-8173 or 1-866-519-6441. This is an opportunity to request a high limit that you might not have otherwise been automatically granted when you applied, without another hard pull on your credit. This is currently not an automated line and you will likely be connected to a representative directly, but this may change.
One additional opportunity for you, if you are planning to make a big purchase from Lowe’s but don’t think you’ll get approved based on your credit profile, is to get an estimate for the purchase in store. Because of the way the application system works, you may be given a pre-approval option as a result to help you fund your purchase. This is not guaranteed, but it’s relevant to mention that at the very least applying in store will be relatively straightforward and allow you to receive your credit limit immediately.
If your application needs further processing or 7-10 days for review, call the Credit Center at 800-627-2909. It may be as simple as the information submitted in your application being incorrect. It’s true that it could be a pending denial for any common reason like too many accounts, too little credit history, or derogatory remarks: for example, a medical debt in collections.
If you were denied and expect to be approved under reconsideration of new information or otherwise believe your decision to be in error, call Credit Services at 800-477-2167.
If you need an instant decision, you can apply in store. This is generally recommended for Macy’s.
Note that if you’re considering applying after a bankruptcy discharge, it’s generally a good move to get a secured card, which will let you upgrade to an unsecured card in a year or so. However, in the case of store cards like the Macy’s credit card, you only have the option of unsecured (with the exception of Amazon’s Credit Builder cards). Because of this, for Macy’s and other Synchrony Bank cards, it’s recommended to wait 4 years after a bankruptcy to apply for an unsecured card through them. Especially if you had included a Synchrony Bank card in your bankruptcy file, you may be classified as a risk and denied.
Note that having a store card in the mix of cards that makes up your credit profile won’t boost your credit score, so if you already have other cards rebuilding your credit, you probably don’t need to get a store card after bankruptcy if credit building is your primary goal.
Sears cards are issued by Citi. To see the information for application status and reconsideration, go here.
You may receive a message stating you will be approved within 30 days.
The Target REDcard is issued through T.D. Bank. You can call 1-800-424-6888 to check your application status.
Although it is not officially designated for checking application status, you can send mail to:
Target Card Services
ATTN: Credit Department
P.O. Box 5329
Sioux Falls, SD 57117-5329
You may receive a response that it will take 7-10 days to review your application from TD Bank. In some cases, this will just require verifying your social security number and address. In many cases, this is a denial.
Your credit report, including any delinquencies, such as student loans or auto loans, is the main factor driving your decision, provided you have enough income. However, if you have a credit score below 600, it’s probable that your file was denied for this reason. That said, if you are able to raise your score and get the card – and although this isn’t explicitly stated by Target – making purchases at Target is important if you want to keep the credit limit you are provided. They may even raise it if you are a frequent customer.
If you are denied and don’t expect to have a change in your credit score or report in the next few months that will allow you to be reconsidered or have a reapplication approved, you may want to consider Target Debit Card. You don’t get the benefits of building credit, but you get the same 5% off at Target and Target.com.
You can check your credit card application status by calling 1-877-969-3668 to reach Capital One’s Walmart credit card line.
Capital One does not have a dedicated reconsideration phone number, but you can view other phone numbers that may allow you to discuss reasons your denial may have been in error here.
Upon applying, if you are told your application is under review and it will be 7-10 days until a decision is reached, you may have to verify your identity, such as your phone number. You would have received a reference number emailed to you, which you can use during your reconsideration call if you choose to ask for reconsideration.
Typical reasons for denial are no different for the Walmart cards. Too many recent inquiries may result in a denial, and this includes inquiries that were conducted for a single purpose, as they will show up on your credit report separately. Credit utilization, also referred to as your balance-to-limit ratio will also be a factor, as well as the number of bills you are paying as agreed: in other words, late payments. Judgements from court cases and foreclosures will also be a factor.
How To Check Your US Bank Credit Card Application Status
You can check your U.S. Bank application status online and by phone.
1. You can check your application status online here. You will need to provide your last name, email address, date of birth, and social security number.
2. You can call 800-947-1444 to learn your status over the phone. This is an up-to-date source and will update accordingly.
After applying, there is a significant chance you will get a message saying your application will be under review for 7-10 days, even if you had received a pre-qualified or pre-approved letter for being an existing customer. An existing relationship can help, but either way it’s normal for there to be a delay with US Bank. You may be informed that you have been approved after 2-3 business days, as applications are typically manually reviewed.
If you are denied, you may be offered a different US Bank credit card with a lower limit. This is in contrast to other banks, which typically do not make a recommendation like this and leave it up to you to find a card that fits you and reapply.
Calling The US Bank Credit Card Reconsideration Phone Number
For reconsideration, you can call the US Bank Underwriting Department at (800) 947-1444. It will still take 2-3 days for your application to be reviewed in more detail.
You may be denied for traditional reasons, such as being unable to verify your identity. For example, your home address may be slightly different than the address they have in their system, or the internet address that your computer sent the application in from may have shown up as a different location than your home address. Or, you may have a thin credit history, also known as a tradeline history, meaning your average age of accounts on your credit report is low. A bankruptcy could also result in a denial, although if it is more than 7 or so years old, manual review will not consider it and you will have a greater chance of approval.
How To Check Your Wells Fargo Credit Card Application Status
You can check your Wells Fargo application online here. You will choose the access code from email option if you don’t have an existing account and enter your access code, last name, date of birth, and Last 4 digits of your social security number.
2. You can also call 800-967-9521.
Wells Fargo considers your relationship with the bank in its application process, and you may even hear this stated as reason for a denial. If you have a bank account with them, it will increase your odds of approval. If you don’t, applying in branch can be a good alternative option to increase your odds.
They also consider the number of lines of credit you have open (several is good, a dozen is not as good), as well as your debt to income ratio and age of accounts – possibly the most important factor of all. An additional consideration to be aware of is multiple inquiries that you might have initiated when shopping for a mortgage, loan, or other credit credit. These may factor as one inquiry for your credit score, but the fact that they show up separately on your credit report will be noted by Wells Fargo and factor into your decision.
As is the case for other banks too, having store cards on your account when you already have other cards open as well does not necessarily help your application and may detract from it.
Calling The Wells Fargo Credit Card Reconsideration Phone Number
There is not an officially stated reconsideration phone number for Wells Fargo. However, you can call Credit Card Accounts at 1-800-642-4720 or the Executive Office at 866-677-1128 if you think there has been a mistake.
You can mail the credit card department here:
Consumer Credit Card Services
Wells Fargo Card Services
P.O. Box 51193
Los Angeles, CA 90051-5493
In some cases, you may be denied and asked to verify your information, at which point you will be approved. In other cases, an exception can be made and you can be approved if you have an otherwise excellent profile but were declined by the automatic rules they have in place.
Pro Tip: When you’re calling reconsideration, it is typically easier to get a credit line increase on an existing card than to get approved for a card you were initially denied for, but it never hurts to call in either case.
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
Credit Cards Research:
Best Credit Cards for 2020
These are the best credit cards for 2020.
Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.
Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.