{"product_id":"what-to-do-after-applying-for-a-credit-card-dealing-with-pending-and-rejection","title":"What to Do After Applying for a Credit Card: Dealing with Pending and Rejection","description":"\u003cp\u003eYou've diligently followed all the application guidelines, ensured your credit score was within the specified range, and hit submit. Now, as you wait for the approval that never seems to arrive, what should you do next?\u003cbr\u003e\u003cbr\u003e\u003c\/p\u003e\n\u003ch2\u003e\u003cspan style=\"color: rgb(0, 170, 255);\"\u003eApplication Is Pending:\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(255, 42, 0);\"\u003eWe've received numerous reports from PzDealers who applied for the \u003ca rel=\"noopener\" href=\"https:\/\/www.pzdeals.com\/products\/you-may-be-eligible-to-earn-the-highest-bonus-offer-ever-on-the-ink-business-preferred-credit-card-even-without-a-formal-business-1\" target=\"_blank\"\u003eInk Business Preferred® Credit Card\u003c\/a\u003e despite exceeding the Chase 5\/24 rule. Rather than facing immediate rejection, their applications are pending for an extended period before receiving approval. If this sounds like you, let us know!\u003c\/span\u003e\u003c\/strong\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(255, 42, 0);\"\u003e \u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003e\u003cspan style=\"color: rgb(255, 42, 0);\"\u003e \u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eIf you're unsure why your application is pending or under review, contact the issuer's customer service for clarification. Here are relevant phone numbers:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eAmerican Express\u003c\/strong\u003e: 1-800-567-1083\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBank of America\u003c\/strong\u003e: 866-422-8089\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCapital One\u003c\/strong\u003e: 1-800-903-9177\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eChase Personal\u003c\/strong\u003e: 888-609-7805\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eChase Business:\u003c\/strong\u003e 800-453-9719\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCiti\u003c\/strong\u003e: 866-606-2787\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDiscover\u003c\/strong\u003e: 1-800-347-3085\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWells Fargo\u003c\/strong\u003e: 1-800-967-9521 \u003cbr\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003ch2\u003e\u003cspan style=\"color: rgb(0, 170, 255);\"\u003eApplication is Rejected:\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp\u003eIf your application is rejected outright, carefully review the rejection notice to understand the specific reasons. By law, issuers must provide this notice within 7-10 business days after rejection.\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eIf your credit score was a factor, request a copy of the credit report used and check for any errors. Use this information to improve your credit standing.\u003c\/li\u003e\n\u003cli\u003eEnsure your application is error-free and includes all income sources you have \"reasonable expectation of access\" to, such as a spouse's income.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e  \u003c\/p\u003e\n\u003cp\u003eIf you were close to meeting the criteria for the issuer, consider calling their underwriting department directly. Here are their contact numbers:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eAmerican Express\u003c\/strong\u003e: 1-800-567-1083\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBank of America\u003c\/strong\u003e: 866-422-8089\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCapital One\u003c\/strong\u003e: 1-800-903-9177\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eChase Personal\u003c\/strong\u003e: 888-609-7805\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eChase Business:\u003c\/strong\u003e 800-453-9719\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCiti\u003c\/strong\u003e: 866-606-2787\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDiscover\u003c\/strong\u003e: 1-800-347-3085\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWells Fargo\u003c\/strong\u003e: 1-800-967-9521\u003cbr\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003eWhen speaking with a representative, make sure to speak nicely, as they may have the authority to approve your application manually over the phone.\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003eKey points to discuss with the representative:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eExplain why you would be a valuable customer and highlight any improvements you've made since any past credit issues.\u003c\/li\u003e\n\u003cli\u003eIf you believe you exceed Chase's 5\/24 rule due to being an authorized user on another account, specify the card in question; it might be removed from your 5\/24 count.\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e  \u003c\/p\u003e\n\u003cp\u003eUltimately, if your application was denied due to limited credit history or a low credit score, consider building your credit with a secured credit card. Ensure timely payments on all bills to steadily improve your credit score for future applications.\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003cp\u003eUnderstanding and addressing the reasons behind application decisions is crucial. By seeking clarity, reviewing your credit report, and maintaining communication with issuers, you enhance your chances of approval and lay a solid foundation for future financial success. Patience and diligence in building your credit will bring you closer to achieving your financial goals.\u003c\/p\u003e\n\u003cp\u003e \u003c\/p\u003e\n\u003ch6\u003e\n\u003cem data-mce-fragment=\"1\"\u003eEditorial Disclaimer: \u003c\/em\u003e\u003ci data-mce-fragment=\"1\"\u003eOpinions, reviews, analyses, \u0026amp; recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.\u003c\/i\u003e\n\u003c\/h6\u003e\n\u003c!----\u003e","brand":"PzDeals","offers":[{"title":"Default Title","offer_id":49188638359867,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1504\/4320\/files\/IsyourInk_3.png?v=1721334297","url":"https:\/\/www.pzdeals.com\/products\/what-to-do-after-applying-for-a-credit-card-dealing-with-pending-and-rejection","provider":"PzDeals","version":"1.0","type":"link"}