Denied for a Chase Freedom Unlimited®? How to Effectively Call the Reconsideration Line
Accurate as of: November 16, 2025
It is frustrating to receive a denial after applying for a new credit card from Chase. Unlike some automatic decisions, you have the option to speak to a credit analyst to plead your case.
Calling the Chase reconsideration line can sometimes turn a denial into an approval.
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When to Call the Chase Reconsideration Line
You can call the reconsideration line any time after receiving an application decision. You typically have about 30 days to make your case while the "hard pull" (credit inquiry) is still relevant.The best reasons to call are if you believe:
The Chase Reconsideration Phone Numbers
Chase operates specific phone numbers for different card types:What to Do Before You Call
Preparation is key to a successful reconsideration call:1. Check Your Credit Report: Chase may pull reports from Experian, Equifax, or TransUnion.
2. Know Your Status: Be aware of your 5/24 status and FICO® score.
3. Be Prepared to Negotiate: Be ready to offer to move a credit line from an existing Chase card to the new one to reduce their exposure.
Tips for a Successful Call
Summary: Take Action on a Denial
Receiving a credit card denial isn't the end of the road. A simple phone call to the reconsideration line often provides a chance to get approved for the Chase Freedom Unlimited® card you need.For a full guide on the card’s benefits, rewards, and application process, view our main guide: Chase Freedom Unlimited® Review: $0 Annual Fee and Strong Cash Back Rewards.
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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