How to Get 100% Approved for ANY Credit Card, Even After a Denial

[@markrightmyer8750]

I was denied a Chase card with a letter that stated unavailable credit data. Called the reconsideration line and asked for more clarity on the reason. She told me it was due to I only recently started optaining credit cards. I explained that I had been working on my bad credit issues and that it had recently improved. I said to her that my score was 770 when they did my hard pull. They approved me 3 days later with a $9100 credit line.

[@kaylaleave]

I applied for Alaska visa and it’s been 10 days no answer even though they send me mail every week saying I’m pre approved. I need to call their number

[@Theturbobooster]

Wtf😂😂😂

[@naykvale]

I had applied for a credit card and got denied a day later. Feeling frustrated, I searched here to find out what to do if I got denied. I ended up calling Chase's reconsideration line, and I got approved. Thank you!

[@mtetwar8723]

Okay, John. Good call on being persistent. Got the approval after the third call to reconsideration line of the issuer.

[@yvjyang]

Did you do those three calls within the same day or different?

[@mtetwar8723]

All within 24hours if not on the same day

[@Daniel_Braun]

Great video John! Credit card denials can be confusing so always worth looking into and calling that reconsideration line!

[@johnsfinancetips]

Thanks Daniel!! Just have to ask, ask, then ask again haha.

[@joevelazquez1839]

John this is the ADHD guy. Ur seriously helping me in my financial future as a young adult building his credit. Many thanks

[@johnsfinancetips]

Not at all!! I’m actually glad you found this old video, it reminds me it might be time to make an update haha

[@AveryHeilbron]

Great tips for a credit card denial! Thanks John!

[@johnsfinancetips]

For sure - I can be a difficult to navigate if you aren't aware to the options.

[@chop100]

Wow you are a bank of knowledge 👏🏼👏🏼

[@johnsfinancetips]

Thank you - all those years of scrolling reddit paid off haha

[@rjdelapena2744]

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

[@ugoewulonu4936]

I got the CSP about a month ago. Wish I had gotten it years earlier.

[@ChaseYokoyama]

Daamnnn that example at the end is pretty nuts haha. Never take "No" for an answer.

[@johnsfinancetips]

Haha yea it was honestly pretty brutal going up 3 times given how touch Chase Business cards in general. I recall the issue was being over 50% credit to income as well as miscounting an AU account (pushed me to 5/24). Both aren’t “real” reasons IMO. But yes. Just gotta ask ask and ask again 😂

[@johntan3405]

I like your attitude dude💯💯💯

[@saoirse999]

Have been denied for discover, and capital one so far. Never had a credit card before. Not sure what the problem is.

[@morethanamess1980]

Stayed away from applying for credit cards and I tried for the first time... denied from not having long term employment 😭 pray for me

[@jerrycaughron7378]

I was denied a credit card through Chase. I called Chase and they informed me as to why I was denied, they stated that they needed proof of income. I am currently waiting for the denial letter . I contacted by bank and others sources. I am hoping I can resolve this issue.

[@theonethatcan7780]

I've got good credit, but barely any credit history and it's been the main thing I've been rejected with when applying for a credit card. I've only applied twice, but both had that same reason. Now I have to wait another year before applying for another one. Hopefully I can finally get one with these strategies

[@shortiedowap87]

Same

[@ugoewulonu4936]

I got denied for a credit card because of too many recent inquieres. I called the reconsideration line twice and on the second time I got approved, so it definitely is possible.

[@Bree_Nicolee]

What did you say to them to reconsider? I’m probably going through the same issue

[@ugoewulonu4936]

@@Bree_Nicolee I called once in the morning and was turned down, the called again in the later afternoon and was approved. I said I wanted to try Citi to see if I could use them down the road for a potential mortgage and establish a relationship with them.

[@CristianSanchez-pf2iq]

About to call capital one for the venture x, wish me luck

[@Churles]

Dang I didn't know credit card companies deny you for the amount of cards you have. New to the channel and here to support for more :D

[@johnsfinancetips]

For sure - yea they come up with some wild reasons sometimes. But as long as it isn't a hard coded denial you'll likely be able to still push through your app! Thanks for comment!

[@this123413]

Very good tips and suggestion!

[@johnsfinancetips]

Thanks, I'm glad to hear they're helpful!

[@TheFinancialMinute]

You really gotta watch out for those Chase cards! Anybody have luck negotiating with Chase after a denial??

[@johnsfinancetips]

You got it - and yea I've gone through with the CIP. Anything specific you have in mind?

[@pseudonymshqipe854]

I got lucky. They approved me in a minute or two lol

[@johnsfinancetips]

@@pseudonymshqipe854 congrats!!

[@koreypaul6698]

I called recon for my Freedom Flex. I got autodenied because they thought I was over 5/24. Turns out I just had to explain that one of the accounts the were counting is my wife's account she added me as an AU on.

[@havalopez]

I was denied for chase freedom like 5 years ago. I called recon, they made me resubmit my application over the phone and they approved me instantly.

[@Apptrepreneur]

Good video! Here's a recon topic that you might want to consider: Post bankruptcy. Yeah, I know...NOT a sexy topic! Yet I see so few videos about people who have filed for BK and how to rebuild credit afterwards (or how to get strategize about getting back with the major banks). It's kind of surprising really.

[@johnsfinancetips]

Appreciate the suggestion - agreed not enough content on that but I'd be happy to take a look into what I can create. Fair warning I'm not expert but I can always tackle it from the angle of limited/no credit and building back!

[@rccola8602]

Just applied for chase freedom n got denied due to bankruptcy. Credit is good mig 700s n 10 percent usage across 3 cards. Apple Card, Mercury card n capital one. I’ll call recon line tom

[@riely8991]

I was denied for a secured card once upon a time. That's pretty difficult lol thank god I've moved on and fixed my credit

[@ugoewulonu4936]

Who get denied for a secured credit card!?? Lol! You’re doing better now, otherwise I wouldn’t be joking around.

[@shenchu2441]

Should I call the reconsideration line when the application is still pending? Or should I wait until I get a denial? It says it will take them 7-10 business days to make a decision.

[@johnsfinancetips]

That's usually a denial in the works, give them a call. Best of luck!

[@ItsMeCJ]

Haha HUCA also known as shopping around for answers. I can’t stand when ppl do that on my profession (totally different field though). Chase has been pretty gracious to me even though my available credit across all cards is higher than 50% of my income 😅. Thanks Chase for being nice to me. Good video!!

[@ItsMeCJ]

@@johnsfinancetips haha I agree in this scenario! Don’t tell my customers though 🤫

[@ryanmartin7033]

Lol...perfect timing. I just got my 1st denial from Chase for the same card but likely bc I applied too soon by a few days (2/30 rule).

[@maritestaylor8458]

Thanks you sir

[@TheEliteMixer]

AMAZING VIDEO!

[@cjjunkee8602]

Hey John, great video!!! Does it work with the ink card too? If so, can you move credit between personal and business credit card? Thanks John!!!

[@Goldie-kw5ju]

How to get approved for Navy Federal if you're not in Navy

[@grahamslewis]

Hi John - I was just denied for the Bilt Mastercard. I have a “very good” credit score and had 3 hard credit pulls within the past 6 months (this being the 4th). Credit utilization very low and length of credit history is 9+ years. Any suggestions here on how to get approved?

[@Ukacip]

6:25 whats the point to do that if you aint getting any credit utilization to go through all that for just a bonus??

[@benevolentcorpsarenotrequired]

Since when do internal company policies apply to .... me, an external entity? I don't think they do, ever.

[@christinalove1309]

Citi bank denied based on to to many inquiries before I had no inquires for years I purchased a car and I applied for two cards. I called to explain I had zero inquires for years, they didn’t wanna hear it. Per policy declined.

[@christinalove1309]

I was denied based on to to many inquiries before I had no inquires for years I purchased a car and I applied for two cards. I called to explain I had zero inquires for years, they didn’t wanna hear it. Per policy declined.

[@jr303official]

I can't believe I got denied for a amazon prime cc. I have a 680 and make 50k-60k and pay off my credit card off every month with no late payments.

[@fogrunr5075]

Not sure about that 50% versus income. And Chase approved me for my second card, my combine credit line was already 20K over my annual income. And they approved me for an additional 16K card on top of that.

[@HgitrXX]

So I applied for a card and got automatically denied without knowing you have to have long credit history. What can I do about this hard pull ?

[@edlopez2427]

Got denied by mbna card because of my debt consolidation. I did not even know it's a form of bankrupcy so they used that for me although my credit score is good and that I never missed payments since it started 4 years ago and on my final year of paying everything up. I am thinking about calking them for re onsideration but I am afraid of hearing the same reason why they did not approve my application.

[@chiefexecutive]

I got denied form chase last weeks with a chase score of 758 I’m gonna call this week yo

[@mikeh7220]

I have a credit score in the mid 700s. However, I currently only have two credit cards and they both have low limits. I make pretty good money. Do you think Chase will approve me? I have had these cards for about a year and a half.

[@DaljiImara]

This is exactly my situation . I have 1 credit card with low limit but really was the CSP

[@MrPDTaylor]

Can/should I call reconsideration before I get a denial letter in the mail (if I'm sure im getting denied)

[@su6oi]

Did you end up waiting or called before?

[@ebluefunnyaf]

all my credit cards paid off already i have a 739 and still denied

[@ryanmartin7033]

Lol...same and I have 832 credit score and nearly 20 year history with Chase. Never have missed a full payment ever. Going to call reconsideration line a second (and third) time if needed and if still no I will go to a branch. If it's still no I'll be moving my checking and credit card spends to other banks.

[@getsugatenshoFTW]

a video I might need soon.. just applied for the WoH last night, but got the 2 week notice status when I called the automated status line for Chase

[@johnsfinancetips]

Big fan of WoH. If you're under 5/24 and available credits is

[@Aby-zy4ku]

Can you please share the automated status line?

[@ryanmartin7033]

​@johnsfinancetips I could use some help. Called once so far and main issue is I just got Ink Cash a little over month ago and my "business" is too new. I have 832 credit score, 20 year banking history with Chase (4 personal cards in addition to the 2 business cards). Obviously wanting the 100k bonus. My monthly spend ranges around $5-6k but is about to increase to $10-15k as I got new job that reimburses almost all of my expenses. The angle I tried was bc I will be spending a lot of money on shipping and advertising which is more fitting for Ink preferred. Told me no. I'm about to make call number 2. Not sure if anything better to say or add to get a yes?

[@prilailiu]

I'm losing time to apply for the chase sapphire prefered and I'm so bummed :(

[@1pCarlos]

Was denied twice and got mad. So I went ahead and got another amex

[@Theturbobooster]

Amex is better i got denied like 3 times by chase before approved 😂

[@armandhodge3258]

I got denied literally 30min ago after filling out the application. Should I call them for a reconsideration today or wait until I receive the physical denial letter in the mail???

[@pamgordon5051]

You don't have to wait for the letter in the mail. Most credit card companies will email you the letter. My husband just went through this recently. Lol

[@thomasconverso4936]

Hi, any help with Capital One reconsideration? I was denied for a venture card because I was approved for three chase cards March April and May of this year. I have called three times and staff say all they can do is feed the same application through the computer but nobody is able to make a human decision and take into account the reason I have those three new cards and why I am trying to build my relationship with CapOne

[@thomasconverso4936]

@johnsfinancetips

[@joannarangel7860]

What if i got denied for not enough credit history? How can I grt it approved after that? Also for not having a chase account with them.

[@justmcclend25]

Any luck with Citi Bank credit card reconsiderations?

[@sahilagar]

Did i just see 775 subscribers!? I thought it was 775K. That’s how the quality is

[@johnsfinancetips]

Oh man - I really appreciated it!! I'm glad to hear this was helpful, don't hesitate to reach out if you have any additional questions!

[@juliegreb6859]

@@johnsfinancetips I've thought the same thing.

[@lennieholmes3831]

What about if you’ve had a past charge off with the bank but then approved for checking and savings but not credit card? How to remove charge off?

[@RUSS_ON_30s]

Hello Lennie, how are you doing? I use to have that problem & I have a credit got that can get it off🙏🏽🙏🏾💙🌹

[@KevinP32270]

thanks!

[@Alonsosvids]

I called and said my student loans affect it and I got denied again. Anything I can do? (Chase bank)

[@baileybible3951]

I applied for the Venture X and got denied because length of credit history. It would be my second card, i have had my first card for about 2 years now. Credit score very good. Probably bit off more than i can chew applying , but doesnt hurt to try the reconsideration line. Does anyone have any good pointers I can share to convince them?

[@isabellaaayoutube]

I’m in the same situation. Were you able to get reconsidered or have any tips?

[@Theturbobooster]

Ur income money u get from ur parents like the total u get from anyone in a yr can be ur jon family members etc ur score letting them know u only have how ever many cards u have ur utilization ur on time payments definitely helps if they see ur constantly making on time and never miss or be late on cc

[@Theturbobooster]

I got approved for chase freedom rise after they saw all that i was denied then approved a week later

[@MelodieWashington-zu2kx]

Thank you

[@AS-ch4ty]

Does being an authorized user on chase cards count against you?

[@superflee12]

Yes, as long as it shows up on your credit report.

[@Thenochillofcomedy]

Wow. I didn't know that.

[@892965]

I got approved for the Amazon credit card but got denied for best buy one why is that

[@Theturbobooster]

There dumb maybe😂😂

[@lewis20002000]

Your assignment: CAP1 😅

[@chenablu2357]

i am trying to apply for my first credit cards and i went down your list for the best cards for 2023 and i got denied for everything!! what do i do i have no credit card score becuase i am trying to apply for my ver first one HELP

[@357twilson]

Capital one and Discover are your best bet. Start there. They’ll probably give you a low limit. Don’t miss a payment and try to pay off the entire balance every month.

[@Theturbobooster]

Try capital one quicksilver that was my very first one i got approved for cause in my emails i been getting pre approved offers thats how i got mine plus if ur approved try a jewelry shop that helps build credit thats the 2nd thing thatll help if new ull probably get a 500 limit for capital one like i did u do that and a hewelry shop basically like a loan that u pay back over a period of months till pajd off plus if u get accepted at a jewelry shop lile daniels jewelry i know theyll accept u idk what limit ull get depending on ur income but theyll for sure accept then wait 6 months maybe like 4 and a half months and ull start seeing ur experian score hope it helps

[@chenablu2357]

Thanks y’all Ima do that 😊

[@manhimwong9534]

Thank your video. :)

[@55TEST]

I have a excellent credit and I got denied

[@johnsfinancetips]

Which card were you applying for?

[@ryanmartin7033]

I have near perfect credit (832) and got denied for Ink Preferred even with 20 year history. I did already get ink cash and ink unlimited 1 and 4 months ago but already reached minimum spends on both. I'm sure they know what I'm doing on getting pts but if they want to risk losing my business going forward by not reconsidering then that's their choice.

[@tx189]

What do you have to talked about for an hour?

[@ryanmartin7033]

Yeah I was curious on that too. My first call was like 10 mins before getting a no. We'll see how call 2 goes

[@shengduh8740]

John, I tried getting a CLI from Chase and they said that they will send me a letter with in 5-10 business days. Would you recommend me calling after receiving that letter? They also said that my application is under review. What are my chances of getting approved for the CLI

[@dedymond5184]

did you end up getting the card?

[@th3kdot]

I called dame day of application, they just needed security information thag usually takes 3-4 days. I got approved for the CFF within the hour.

[@TheLizzybethlin]

Did you say, ask your parents??? 😂😂😂😂😂😂😂 Must be nice for those that can do that! 🤦🏻‍♀️

[@princessmeganelsa1901]

Credit Union is the best use to have chase i finly got credit card & now new platlium card rewards woo hoo 💗💗💗

[@Theturbobooster]

What cc u got for ur first time ?