Travel on Points

Flowchart for Chase Credit Card Applications

If your Chase application isn't instantly approved, there's no need to panic. This handy flowchart offers some pointers on navigating towards approval.
Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Flowchart for Chase Credit Card Applications

If your Chase application isn't instantly approved, there's no need to panic. This handy flowchart offers some pointers on navigating towards approval.

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

The fastest way to earn URs is via sign-up bonuses from opening new Chase credit cards, like the Chase Sapphire Preferred (review) or the Chase Ink Business Preferred (review). Not every credit card application leads to an instant approval, though. Sometimes, the application may go pending or you may get denied. So what should you do if Chase doesn't approve your application instantly?

Thankfully, the flow chart below walks you through the steps for just about any scenario involving a Chase credit card application. You will notice from reading the flow chart that there are lots of paths to end up getting approved. But of course, you have to know your 5/24 status and follow Chase's other application rules. So if your application isn't instantly approved, there is no need to panic. Review the flow chart and work through your next steps. And if you have to call reconsideration, we have some tips for that too.

Of course, each person's situation is different. So if after reviewing this flow chart you still have questions, come ask in our Facebook group, where the ToP team and our more than 20,000 members can help and share our own experiences.

Chase Flowchart for Pending/Denied Applications

You can follow this flow chart if your Chase credit card application was not instantly approved. We at ToP did not create this flowchart and do not take credit for it.

Final Thoughts

We would love it if all Chase credit card applications were instantly approved. But when that doesn't happen, there is no reason to panic. This flow chart provides a helpful guide to navigating next steps. And if you end up having to call the reconsideration line, make sure to check our tips for how to handle reconsideration calls.

Have you had to work through this flow chart before? Come share your thoughts in our Facebook group!

 Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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