Chase Application Statuses Explained: No Instant Approval, No Worries

Here’s what to do if your Chase application status is still up in the air.
Last updated Nov 13, 2019 | By Matt Miczulski
man checking chase application status

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You just clicked “submit” on your application for a new Chase credit card, and the few seconds it took to decide your fate felt like a lifetime. If you’re lucky enough to have received instant approval, you can rest easy knowing you’ll have your new card in a few days.

But that isn’t always the case. If you aren’t approved instantly and your application status is pending, don’t worry and assume the worst yet.

There are a handful of reasons why you might not have received an immediate approval. Even something as simple as a typo could send your application to the “under review” pile. This additional review process generally takes anywhere from seven to 10 business days, although in some cases it could take up to 30 days.

While it can be a drag, if you go in knowing what to expect, it might make the process a little more bearable.

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What it means if your Chase application status is under review

It’s understandable to feel anxious after finding out you weren’t instantly approved for a credit card. You might even consider scouring your entire credit profile to identify what it was exactly that now requires further review.

Try not to overthink it. While instant approval is ideal, being notified that your application is under review doesn’t automatically mean you’re on the edge of being denied.

As your application undergoes further review, Chase will consider the following to make a decision:

  • Credit history
  • Income
  • Debt
  • Housing status
  • Number of recently-opened credit cards

It’s generally all the same information normally used to make a decision, but since the criteria required to trigger an instant approval may not have been met, someone at Chase will have to take a closer look manually.

Possible outcomes

Once a decision is made, you’ll likely be notified by mail or email as to whether or not you were approved. If you were approved, you’ll find out what your credit limit is and when to expect your new card in the mail.

It’s also possible that Chase will request additional information to assist in the decision-making process. This could be anything from proof of income to correcting mistakes that may have been made on the initial application.

How to check your Chase application status

If you find you’re too eager to await the decision, you can actually check your Chase credit card status as often as you want by logging into your account or calling for an update.


To check your application status online, log into your account and click the icon in the top left corner to pull up the main menu. From there, under “Explore Products,” you should see the option “Application status.” This will open up your application activity.

By phone

The other option is to call and go through the automated system or speak to a representative directly. To use the automated system, call 1-800-432-3117 and follow the instructions to get to the credit card approval section of the directory. Once there, you’ll need to enter your Social Security number to retrieve the application.

How to improve your chances of being approved

The criteria you need to qualify varies from card to card, but there are a few things you can do that can help set you up for success.

  • Improve your credit score: Since it’s one of the leading factors of whether or not you’ll be approved, you should know if your credit score aligns with the credit card you’re applying for. If it means having to wait a little longer, it might make sense to work on improving your score to increase your chances of being approved.
  • Be mindful of credit utilization: Chase is going to look at whether or not you’ve been handling your credit responsibly, and this includes checking how much credit you’re currently using. If you’re maxing out credit cards or carrying over high balances month to month, they’ll see this as a red flag.
  • Keep Chase 5/24 in mind: Chase has been known to operate under a little rule called Chase 5/24. Though unofficial, it pretty much means if you’ve signed up for five new accounts in the past 24 months, you stand little chance of being approved for a new credit card within that time frame. This includes all credit card accounts — not just Chase.

If your Chase application is denied

Unfortunately, it happens. If your application is denied, Chase has a reconsideration number you can try calling, which is 1-888-270-2127. There’s no guarantee, of course, but it may be worth trying if your circumstances have changed or you wish to further explain something on your application.

If you can’t persuade them in your favor, you may have to focus on what you can do yourself to improve your chances going forward. Depending on your situation, this might mean taking some time to improve your credit score, reduce debt, or let the dust settle if you’ve recently applied for multiple cards.

Getting denied for a credit card stinks, but it doesn’t mean it’s the end of the road. If you have your heart set on a specific Chase card, go through your credit report and locate any weak points that may have been a factor in their decision. Use this as an opportunity to see where you can improve and start making moves. If you’re open to other options, there are a number of credit cards that provide value to just about every situation.

Commonly asked questions about Chase application status

How long does it take to get approved for a Chase credit card?

Credit card approval timelines may vary. If you applied online or through your mobile device, you may receive an application decision within minutes. If you didn’t receive an immediate approval, the approval process may take 7 to 10 business days.

Does Chase have 24/7 customer service?

Yes. You can contact a Chase credit card support agent 24 hours a day, seven days a week at 1-800-432-3117.

Does Chase ever approve credit card applications instantly?

In some cases, you may receive an instant, or same-day, credit card approval online, if you qualify. Alternatively, you may receive an email saying more time is needed or that you need to call in with more information. If you don’t receive an instant credit card application decision, you can always reach out to a Chase credit card support agent at 1-800-432-3117 for an update.

Is it hard to get approved for a Chase credit card?

Approval for a Chase credit card will vary with the card being applied for and with each applicant. Some Chase credit cards require good to excellent credit scores. Other factors, such as income and existing debt, are also used to determine credit card approvals. The best way to improve your odds of being approved for a Chase credit card is to work on raising your credit score.

Can I apply for the Chase Freedom Unlimited if I have the Chase Freedom?

Yes, you can apply for the Chase Freedom Unlimited credit card, even if you already have the Chase Freedom card. These cards are two separate Chase products with different rewards structures. That said, be aware that Chase does keep an eye on how many cards you’ve been applying for overall, so you may want to read up on the 5/24 rule.

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