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Chase Reconsideration Line: What to Expect to Secure an Approval

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If you’ve been declined after applying for a Chase credit card, depending on the reason, there may be hope! You can call the Chase Reconsideration Line at 1-888-270-2127 to see if they will “reconsider” your application.

We’ve had to call twice and were approved both times. Read on to find out how we did it and what you should expect when calling Chase.

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Our Story With the Chase Reconsideration Line

Chase Reconsideration Line

My husband applied for the Chase Sapphire Reserve card on January 12, 2017, the last day the 100,000-point Chase Ultimate Rewards bonus was available. Chase Ultimate Rewards can be transferred to airlines like Southwest and British Airways, as well as a variety of hotel chains.

I am currently ineligible to apply because I hold three Chase cards: Southwest Rapid Rewards Business Premier,  Southwest Rapid Rewards Personal Premier and Chase Sapphire Preferred (my FAVORITE travel credit card). They have declined me for any additional cards, saying I have hit their max of three. Boo!

Chase Sapphire Reserve and Chase Sapphire Preferred allow you to earn between 2 and 3 points per dollar on dining and travel expenditures and offer 50,000 Chase Ultimate Rewards points after meeting the minimum spend. These can be instantly transferred to Southwest — and other airlines like British Airways and Aer Lingus (how we traveled to Europe entirely on miles) — to use for free flights.

To apply for and compare these cards, please use the links within this post or the TRAVEL CREDIT CARDS links in the main menu shown in the image below. These links allow us to earn a commission — at NO COST TO YOU — to support our free content. Thank you for your support!

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My husband was initially denied, and the letter we received in the mail stated that he had incurred “too many credit inquiries with Chase.” He had applied for a different Chase card in December, and unfortunately, the applications fell within 30 days of each other.

We would not have applied so closely, but we did not hear until AFTER he applied for the first card that the Chase Sapphire Reserve 100,000-point bonus would go away after January 12.

I suspected based on the letter he received that the two applications within 30 days was the reason and so I had him call the Chase Reconsideration Line.

Long story short, he was ultimately approved but we spent about 30 minutes on the phone with a very nice Customer Service Agent. She commented that he was now past the 30-day mark after of the date he applied for the first Chase card and so she could “consider” him again, so clearly 30 DAYS is the amount of time that must pass between card applications.

I’ve also had readers who’ve been successful applying for two Chase cards within one day, apparently because it only shows up as one “hit” or “pull” to your credit for Chase. However, I have not tried this approach, so I cannot vouch for it.

Calling the reconsideration line and securing this ONE card enabled my family of four to travel entirely on miles to Europe! Here’s how we did it.


What to Know When Calling the Chase Reconsideration Line

Travel Credit Card Plan

  • Make sure you have at least 30 minutes to spend with them.
  • Have your explanation ready regarding why you want this card, and if you applied for a different card within 30 days, why that happened.
  • Have financial information available, including:
    • Monthly rent or mortgage payment
    • Reasons for any credit inquiries within the last year or two (such as “We bought a new home” or “We were looking for an equity line” or “We bought a new car”)
    • Total household income and which year it is based on
    • If self-employed, the business profit
  • If a spouse is on the phone with you, they have to run through an “approval” process for you to allow them to speak on your behalf
  • If the application was for a Chase business credit card, you will need:
    • EIN number
    • Possible proof of your involvement in the business (some sort of official document with your name and the official name of the business)
    • Business sales and profit
    • Tax documents for the previous year

We were asked all of the above (except for the items for a business card application) and I jumped on to help my husband since I handle most of the family finances.

Additionally, the Chase rep said we were still eligible for the 100,000-point bonus because the original application date was on or before January 12.

I also had to call the Chase Reconsideration Line when I first applied for the Southwest Business Premier card and was initially denied. After producing and faxing quite a bit of supporting documentation, I was approved.

And it was WELL worth it, as this card enabled me to earn the Southwest Companion Pass, which lets one person fly FREE with you for up to TWO years. I am now on my third pass and my family flies free nearly everywhere on Southwest with the help of this pass!


To Sum It Up

So, there is hope in the Chase Reconsideration Line! You may have been denied on the first go-around, but there’s plenty of reason to think you will be approved — with a little extra information and documentation — on your second try.

Don’t be discouraged. Keep at it until you’ve tried everything to get an approval! Remember your end goal: free travel!

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4 thoughts on “Chase Reconsideration Line: What to Expect to Secure an Approval”

  1. Never heard of 3 card limit before.
    Just called Chase reconsideration line and was approved (happy dance) for Sapphire Reserve. I applied in February, in branch. Denied due to 5/24 rule but approved after pointing out only 4 cards in my name w/i 24 months and 2 authorized user accounts.
    I opened 2 Rapid Reward cards in the fall and have 4 other Chase cards open as well.

    • Yea! Congrats! Yeah, I don’t know why they have limited me to three, but that seems to be the case. I have not applied for a new card from them in a while, so maybe they will have loosened up by next time :). Thanks for sharing this info, as it may help others who have been initially denied.

  2. I have a question, i have two credit card, one from a bank not chase and one store card.. Didnt know about the chase 5/24 rule.. 5/14 applied for the ink preferred with their 100, 000 bonus points, got approved, 2 days later i applied for the reserve,, got also approved.. I was gonna wait out nxt yr for the southwest card but since i can only get one card i would need time for the spending reqt.. However , i just realized i have an email offer from chase with marriott,, with 150,000 points, no annual fee and 5x for ALL my purchases up to $30,000.. It was supposed to be in feb of this yr, however when i click on the link it allowed me to apply.. Got too excited thinking, since i only have 4 cards at that point that it would be ok.. Unfortunately i got denied citing too much card applied in short time.. Sorry for the long explanation, but now my questions, is it ok for me to reapply in 30 days? And do i have to fill up an application again or just call the reconsideration line let say after 3-6 months? Im a little wary with doing it again after 30 days.. Will my credit take another hit again or will they consider that the same application? Thank you so much.. So excited to start in this mileage thing.. We have been travelling for 6 yrs, cruising at least twice a yr and only paid debit… So now this has opened a new world of travel sor us.. Thanks for the info

    • Hi Ghie-
      Thanks very much for your question! LOTS of people get that “applying for too many cards in too short a time” denial. Very common. I would wait about 30-40 days from when you applied for the card that you were denied and call the reconsideration line. They will not run your credit again likely just ask you some questions. You may not be able to get the 2 Southwest cards to do the Companion Pass next year though due to having 4 card applications. You should be able to get one more card but then you’d have to come up with the rest of the 110,000 Southwest points needed through shopping, purchases on your credit card, etc. Hope that helps!


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