DENIED for a credit card? DO THIS! + how I got approved for my first Chase card using this method

[@lemos80]

I literally just called Chase's reconsideration line after being denied for the United credit card. The first time I called (2 days ago) the guy didn't approve my application....after watching this video I decided to give it another shot...They approved me!! THANK YOU VERY MUCH FOR MAKING THIS VIDEO!

[@rjdelapena2744]

Thank you for this! I just called Chase and got approved.

[@TheCurlPapi]

Soooo happy for you!!!! I know you were so hype when she said you were approved that feeling is amazing.

[@thelastofthegreats4321]

was denied with a 652 Experian score when I applied for the chase freedom, but on the denial letter it said my score was a 630. This was wrong! and other denial reasons was inaccurate. So called reconsideration line spoke to them stated the inaccuracies and was approved by the next day! This was one of the videos that made me call the reconsideration line. Thanks!

[@justcallmenephy]

Yay!!

[@mal1k006xx]

She has a wonderful speaking voice

[@Tyrant96]

💯

[@sirsno0py]

And pretty teeth😁

[@dee4646]

Sometimes just getting that approval give the confidence of making better choices and financial excellence!!!

[@latachia_2981]

Your cats are so cute!! My cats are always playing around like yours, all of the time! Thanks for the great video!

[@aleencaeli]

This was sooo helpful!! THANK YOU!! I have been pre-approved for this card a long time and didnt even know until two days ago, and i NEEDED this card YESTERDAY, LAST MONTH, LAST YEAR, LAST DECADE! X I hope they accept my humble application even though I am pre-approved!! Just submitted it through the app!

[@toxicblendz45]

This video was really helpful

[@GraphyteTV]

I have 3 chase cards now and I’ve had to call the reconsideration line EACH TIME 😩😂😂 I got my first in May, 2nd in August and I just got approved for the CSP yesterday morning. I was on hold for what seemed like forever as well. I had to plead my case. Congrats on your approval btw .

[@justcallmenephy]

WOW! lol you're a beast! Thanks! :)

[@sharyannazeer2311]

I called chase reconsideration line because I wasn’t approved for a chase credit card. No one picked up a phone, just a bot saying to type in your chase credit card number (on the front of your credit card) but I don’t have any credit cards because I wasn’t approved. What do I do?

[@SunsetAtSea]

I have 15 cards now. About 145k in avable credit and have a 736 Fico 8. I will be aping for the csp this comming week as I will be out of 5/24 lock up. Let’s see what happens. I had to use recon for the Barclays Carinval card about 3 years ago. That was my second card ever and I still have it.

[@philfitial1090]

@@SunsetAtSea whata the status of your application ? You beat thr 5/24 rule?

[@SunsetAtSea]

@@philfitial1090 I was 4/24 by 3 days when I Applied and got aproved automatically. I had Heard that 520 for once one card falls off you should wait till the next month but I want to head and applied three days after it turned for 24 and I still got it. Initial credit limit was 8400 as soon as I got the card I called in for a recon on the credit limit and they would not bump it to any more. The rep I talk to said that the credit limit would be that way for at least six months but that I could try again in six months to a year and if they could probably bump it to around what I was looking for which is about 12 K. After year one I’m gonna go ahead and upgrade to the reserve so I need that 10 K line just to get the reserve card open.

[@cbriggs719]

I am so in LOVE with your personality!! Thank you for the info

[@justcallmenephy]

aww thank you and thanks for watching

[@shanikaclendinen2112]

I’m so happy I watched your video sis!!! I applied for the chase freedom flex card and i was denied. I’ve been banking with them for 2-3 years & my credit score is the mid 600’s. This is my first credit card so I was nervous about that being the reason as well. After calling i was approved 🥰 it was a process but i sure was approved.

[@justcallmenephy]

YEEES!!! I’m glad it worked out for you!

[@MariaLopez-dj5zl]

If it says 7-10 days pending should I just go ahead and call so they can check my verification process.

[@shanikaclendinen2112]

@@MariaLopez-dj5zl yes!

[@MariaLopez-dj5zl]

@@shanikaclendinen2112 even if it is like a day in? Or should I wait or jsut go ahead and call?

[@shanikaclendinen2112]

@@MariaLopez-dj5zl I didn’t wait, i called immediately the same day. Even if you were not blatantly denied, they can still provide some insight as to why your application is pending.

[@raiden3013]

i jsut watched your video on this and everything is accurate. i happened do all the things you had mentioned in the video and got approved for two chase cards and got limit increases on them. going to look for the preferred in a few months to rack up even more points and complete the trifecta

[@Rokambole-co7yb]

I just got denied on the Freedom Flex card, they said they’ll send the reasons via mail. Should I wait for that letter or just call the reconsideration line right away? Your video is very well explained. Thanks

[@Cause023]

What did you end up doing?

[@Rokambole-co7yb]

@@Cause023 planing on calling the reconsideration line this week.

[@Cause023]

@@Rokambole-co7yb Good luck 🍀

[@jessie4joy]

how did it go?

[@Rokambole-co7yb]

@@jessie4joy approved, recently got the first credit limit increase. Thanks

[@peggythornton651]

This is a shame people have to go through this nonsense especially when you know your credit score,mine isn't 700 just 490 but what do is just wait for mine other credit cards to give me a credit limit increase and make sure I'm paying over the minimum balance every month,that makes your score go up too.

[@MrBeautifullyhuman]

Congratulations

[@len10100]

Went to your video before applying (CSP). I had paid off all of my cards and was just using 2%. For some reason I was so scared to apply 😂 I applied at midnight on a Sunday and they didn’t approve me right away! I was so sad 😭 I didn’t understand why. I have an income of 60k and my score was 740. Anyway, I went to sleep and woke up like at 3am. I went on my chase app and CSP was already there. I was like wtf? So I check my email and they approved me for a 13k limit! I was so happy 😂😂 I found that so funny/weird. I was already dreading calling the reconsideration line. But didn’t need to, thank the Lord. Anyway! Just wanted to share my story too. Take care, thanks for the video ❤️

[@justcallmenephy]

Omg I love this success story! Great for you and glad this video helped!

[@FishandDiveHawaii]

Awesome video! Got approved for CSR but denied for Freedom Flex. Gonna try and call, this was helpful! Keep posting 🤙🏽

[@justcallmenephy]

I’m glad this was helpful! Good luck!

[@TheRenaissanceAmazon]

Thanks so much for this video! It was great. Thanks. 😊

[@892965]

I want to get the best buy one same thing happen should I called I was approve for the Amazon card which I'm surprised I did

[@miss.phyllisreneefoster9547]

thank you so much for this information thank you

[@justcallmenephy]

Glad you found it helpful!

[@PrincessMeganElsaBoo]

Been there but now got Approved for platinum card for second increase!! 🙃🙃🙃

[@solwellnesscoach6559]

Congratulations. 🎈🎊 Question, after you call Chase the second time did chase had to run your credit score again?

[@justcallmenephy]

Nope!

[@solwellnesscoach6559]

@@justcallmenephy awesome. Thank you 🙏🏾 😘

[@vinisha-dyna2528]

Congrats, girl! YES! Plead your case!! I'll remember this when I apply for Chase :D

[@sharyannazeer2311]

I called chase reconsideration line because I wasn’t approved for a chase credit card. No one picked up a phone, just a bot saying to type in your chase credit card number (on the front of your credit card) but I don’t have any credit cards because I wasn’t approved. What do I do?

[@AlfredNazGates]

Sounds great. I'm in canada and tried to get a Presidents Choice card to get more free groceries and I was denied. I'm looking into removing those attempts at when I applied cause that affects your credit score as well. Reason been, I've been approved for canadian tire twice. And I'll be going into my bank for a, "reconsideration meeting." I was denied a air miles credit card too and hope to reverse the denial. The guy on the phone said they just want more financial information. Easy. Always ask questions, the online application isn't the end line and you gave me hope for asking not once, but twice! Haha.

[@jaypos444]

Love this story! Glad u were able to get the card you went for!

[@justcallmenephy]

Thanks!

[@850samgoody]

Love your energy thanks 😊!!!

[@justcallmenephy]

Aww, thank you!

[@kriztee4159]

Congrats, I’m going to boost my score to 720

[@kaytoyatheexplorer59]

I was trying to get the care Credit card ,was denied and seems they don't have a recon. Number 🤷🏽‍♀️

[@anthonysanders7469]

Chase has denied me also. I have great credit, but I have 2-AmericaExpress cards 24000.00 line of credit. Don’t need another card from Chase or any other. 84,000 credit line is sufficient for me.

[@shaligasuksomsong]

Lucky! Yes , I heard the recon line works when you tell them the right answers. Lol enjoy your CSP! It’s great

[@NicoleAllwood]

Congratulationsssss! Thank you for sharing!

[@Loveemamavempire]

I'm a KZbinr myself I just stop by to show some love on your vid great job I'm your new subscriber as well

[@justcallmenephy]

Thank you so much!

[@Loveemamavempire]

I had to stop on your channel and show love

[@robertsanchez5791]

So what did they end up saying about the initial credit report saying that you had high balances on your credit cards?? I get the same response when I get denied and just like you I have a zero balance on my credit card so I don’t understand where they are getting that information from

[@kencan7464]

Cat got fleas. Good info.

[@Danny-fs1hk]

Great advice! Thanks and you just gained a new sub.

[@justcallmenephy]

Thank you!

[@Malvin00]

Woman the way you speak made me watch the whole video 📹

[@justcallmenephy]

Aww, I’m glad!!

[@bluefe8545]

Chase keeps tabs on how many times you call.

[@justcallmenephy]

Kind of assumed that, thanks for confirming!

[@lianacris7568]

This video helps so so much! Thanks for sharing all of this :)

[@justcallmenephy]

Glad it helped!

[@AmazinMusicNYC]

I’m pre-approved for this card The flex card on my chase bank app. Should I accept it The credit limit is $2,000 My credit score is 708 I work part time I already have the Discover card & a capital one card

[@ARenee641]

Loving the cute kitty!!😻

[@richardphan5521]

Dope video and great info 🔥

[@justcallmenephy]

Thank you!

[@candyparedes4171]

Did you get a message on your chase app saying your already approved for any cards? I guess I’m approved for the sapphire & freedom unlimited. I’m just hesitant to apply for it and get denied lol

[@Michael-qs1yd]

why are you looking off to the side instead of directly at us the viewers?

[@sharyannazeer2311]

I called chase reconsideration line because I wasn’t approved for a chase credit card. No one picked up a phone, just a bot saying to type in your chase credit card number (on the front of your credit card) but I don’t have any credit cards because I wasn’t approved. What do I do?

[@Nijilove78]

If that’s the case, then you didn’t dial the recon line. i made that same mistake myself

[@mcbc5189]

You said they look into more than just your credit report. However you neglected to say what it is they look at in more depth. Please share so that we can all be prepared . Thank you for such an inspiring video!

[@justcallmenephy]

Thanks for watching! 1. Whether you have a relationship with other major banks. Example: having a credit card with one of the major banks like BoA, Wells Fargo, Chase, etc. you’re more likely to be approved if you have credit history with another bank. Hope this helped!

[@cecilstedman757]

What was your credit limit from the first card at the time of applying for the CSP and income?Just curious to compare are situations maybe I’ll apply if I’m somewhat close to your credit file and hopefully get approved

[@melallstar21]

when I called they said they don't have a reconsideration line is there a direct number you have?

[@justcallmenephy]

I would google the number. It’s not officially called the reconsideration line so if you say that they won’t redirect you. Just ask to speak to someone regarding your application

[@shawndoe6843]

1 credit card 💳 is a very thin file as you can see it’s more than just a score stop being afraid to apply for more accounts

[@SledgeIncTeam]

Good video. I've never had to call the reconsideration line but I have heard that it can really help.

[@raiden3013]

it really does help. i got approved for two chase cards this way. as my credit is not the best. 720 on tran union and equifax and a low 660 on experian. called them up and they approved me on the unlimited 10 months ago and on the flex a few days ago when i applied and had to call the reconsideration line.

[@SledgeIncTeam]

@@raiden3013 that's what's up. Chase uses Experian. Glad you were able to get approved. Chase has good cards but because of their 5/24 rule, I stay away from them right now because I know I'd get denied so right now I'm riding with mostly Amex

[@raiden3013]

@@SledgeIncTeam im waiting for amex later. i have one slot left for 5/24 so i might as well try to complete the trifecta with a preferred card/ then ill be locked out for a year and 2 months from chase.

[@SledgeIncTeam]

@@raiden3013 lol, I only have the Preferred and the Amazon cards from Chase, I can't pass up a good signup bonus so it's to hard for me to get under 5/24

[@raiden3013]

@@SledgeIncTeam i have the same problem. but definitely worth it to wait to get the flex and unlimited. just to have and pair with the proffered to maximize points for it

[@hnyflvr]

Your cats are so disrespectfully cute 😂😭

[@drebroaddus3295]

Can you provide the number for the reconsideration line ?

[@russ5287]

Very helpful info thank you

[@laqueshah]

I love your voice!!!!

[@justcallmenephy]

Aww, thank you!!

[@thtskng3986]

How do you figure out monthly income from credit report ?

[@terurumi5928]

How long was your credit history?

[@justcallmenephy]

I believe like 7-8 years

[@CorySands]

Do you have any teeth and skin tips please

[@Almediale]

How much did you get approved for ?

[@justcallmenephy]

$8,300 I believe

[@shoelady6457]

Good for you!💳💳

[@clarencew93]

I been trying to years

[@s.hervey6173]

Great video Queen

[@650kdub]

Love the dreads

[@westphillykarate]

Thanks for sharing

[@justcallmenephy]

My pleasure

[@AAbreu004]

Lol love your reaction

[@gary457]

Love the video but a word of advice. Please look into the camera from now on. It looks like you keep looking off camera when you speak. Makes you look cross eyed

[@derekjohnson8789]

The black tax

[@llamaparty1]

Automatic sub!

[@justcallmenephy]

Appreciate it!

[@409intlmit9]

Where is your email or website info?

[@sharyannazeer2311]

I called chase reconsideration line because I wasn’t approved for a chase credit card. No one picked up a phone, just a bot saying to type in your chase credit card number (on the front of your credit card) but I don’t have any credit cards because I wasn’t approved. What do I do?

[@ronsa007]

Great content. what is the credit limit they gave you?

[@justcallmenephy]

Thank you! 8300

[@sharyannazeer2311]

I called chase reconsideration line because I wasn’t approved for a chase credit card. No one picked up a phone, just a bot saying to type in your chase credit card number (on the front of your credit card) but I don’t have any credit cards because I wasn’t approved. What do I do?

[@mangelomedia]

You are beautiful. good video

[@GD-oz7uy]

You are so cute! 😘😍🥰

[@jmarcos8713]

Helpful if anyone can help me please!

[@j.r.1426]

Nice video