How to check your Chase business credit card application status

If you've recently applied for a JP Morgan Chase business credit card and are eager to find out the status of your application, you have several convenient options to check this information. Chase provides a straightforward process for applicants to stay updated on their application's progress, either online or through other methods.

Here, we’ll guide you through the detailed steps to check your Chase business credit card application status, starting with the quick and easily accessible online method. We'll also explore other options for obtaining this information.

How can I apply for a Chase credit card?

Applying for a Chase credit card can be done through several avenues. Here's a breakdown of the primary methods:

• Online application: The most common method is through the Chase website. You can visit Chase's credit card page, browse the available cards, and complete the application online. This is often the quickest way to receive a decision.
• In-person at a Chase branch: If you prefer face-to-face interaction, you can visit a Chase bank branch. A bank representative can assist you with the application process.

How to check your Chase credit card application status

Sometimes, especially with online applications, you might receive an immediate approval or denial. This happens when the system can quickly process your information. However, many applications require further review. This could be due to various factors, such as needing to verify your Social Security number or other information, a complex credit history, or high application volumes.

In the latter scenario, pursue alternative ways to check your Chase credit card application status, like those outlined below.

Other ways to check your Chase application status

How else can I check my credit card application status?

• Check your Chase account. Existing Chase customers can check their Chase credit card application status online by visiting www.chase.com. Enter your username and password to access your account under “Sign in.” Once logged in, navigate to the “My Accounts” section or a similar heading, then look for the “Application Status” option.
• Call. To check your Chase credit card application status by phone, call 1-800-432-3117, the Chase customer service number for credit card inquiries. Follow the automated voice prompts, potentially saying "Application status" or entering a designated number, to reach the status information.
• Visit a branch. Locate the nearest branch using the Chase website or a map application, and then visit during operating hours, bringing your identification and any relevant application documents.

How long does it take for Chase to approve a credit card?

In some cases, particularly with online applications, you might receive an immediate approval or denial. This often happens when the system can quickly process your information.

From there, the approval time for a Chase business credit card can vary. Typically, most applicants receive a decision within 7 to 10 business days. In some cases, if further review is needed, it might take up to 30 days to get a final decision.

You can check the status of your application using any of the methods described earlier if you don't receive a decision within the expected time frame.

If you need a business card faster, consider Ramp. Ramp approvals average just 1-3 days, offering a significantly quicker solution for businesses needing immediate access to credit.

Discover Ramp's corporate card for modern finance

Learn more

Reasons you don’t get an immediate approval

It's not uncommon to experience a delay in receiving immediate approval from this credit card issuer. Several factors contribute to this.

A complex credit history, requiring in-depth analysis and verification, can extend the processing timeframe. Similarly, a limited credit history may necessitate a more thorough assessment of your creditworthiness. You may also get denied if you’ve had too many recent applications.

Furthermore, application errors, even minor ones, can trigger manual reviews, impeding the approval process. Chase may also need to verify specific information, like income or employment details, before reaching a decision.

Does 7–10 days mean denial?

No, a processing time of 7 to 10 days for a Chase business credit card does not necessarily mean a denial. This timeframe is standard for many credit card applications, allowing Chase to thoroughly review your application details and conduct necessary credit checks.

During this period, they assess your creditworthiness and confirm all provided information. If additional verification is needed or if the decision is not straightforward, the process might take longer. If you're concerned about the status of your application after this period, it's a good idea to check directly with Chase using one of the methods previously described.

What is the 2/30 rule for Chase?

The "Chase 2/30 rule" is an informal guideline suggesting Chase Bank typically limits individuals to applying for and being approved for no more than two credit cards within a 30-day period.

Exceeding this limit often results in automatic application denial, with the 30-day window beginning from the approval date of each new card.

What is the Chase 5/24 Rule?

The Chase 5/24 Rule is an unofficial guideline used by Chase to determine eligibility for most of their credit cards. According to this rule, if an applicant has opened five or more personal credit cards across all banks within the last 24 months, they're likely to be automatically rejected for a new Chase card.

These strict rules can be a hurdle for many businesses. Ramp, on the other hand, doesn’t rely on such restrictive credit checks or personal guarantees, making it more accessible to a wider range of businesses.

This rule is intended to discourage frequent applications and limit the approval of new credit for individuals who have opened several credit card accounts in a short period. It's important for potential applicants to be aware of this rule as it applies to most Chase credit cards, including both consumer and business card products.

Why is my credit card application pending?

When your credit card application is marked as "pending," it typically means the issuer needs additional time to review your information before making a decision. This status often arises when further verification of your personal or financial details is required, or when the issuer is dealing with high volumes of applications.

Various factors such as your credit history, the accuracy of the application details, or internal delays can contribute to this extended review period.

You might still be wondering: “Why is my Chase credit card application taking so long to process?” Here are some common reasons why your credit card application might be pending:

• Incomplete application: If any essential fields are left blank or filled incorrectly, the issuer will need more time to request the correct information.
• Credit review: The issuer may require additional time to thoroughly review your credit history, especially if there are discrepancies or your credit score is borderline for their criteria.
• Verification processes: Additional verification steps might be needed to confirm your identity, income, or employment details, particularly if the provided documents do not clearly support your application.
• Fraud checks: To prevent fraud, issuers conduct detailed checks. If something looks unusual, they might hold your application for further scrutiny.
• Operational delays: Sometimes, the delay is due to high application volumes, technical issues, or internal processes at the issuer's end.

What if your Chase credit card application is denied?

Here’s your game plan if Chase denied your credit card application.

Review the denial letter

Chase is required to provide you with a denial letter outlining the specific reasons for the rejection. Carefully review this letter to understand why your application was unsuccessful. Common reasons include a low credit score, insufficient credit history, too many recent inquiries, or a high debt-to-income ratio.

Check your credit report

Obtain a copy of your credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion). Verify that the information is accurate and dispute any errors that could have contributed to the denial.

Call to appeal your Chase credit card denial

Chase has a reconsideration line (888-270-2127 for personal cards, 800-453-9719 for business cards) where you can speak with a representative to explain your situation and potentially have the decision reconsidered. Be prepared to provide additional information or documentation to support your case.

Address the reasons for denial or consider a different card

Take steps to address the issues that led to the denial. This may involve paying down debt, correcting errors on your credit report, or building a stronger credit history.

At this point, you may want to consider applying for a different credit card with less stringent requirements. Look for cards designed for individuals with your credit profile.

Wait before reapplying

It is generally advised to wait a few months before reapplying for the same card, especially if the reason for denial was credit related. This gives you time to improve your creditworthiness.

Get approved for a Ramp card in 1-3 days on average

If you’re facing a denial or want to avoid the potential complications of traditional bank card approvals, consider Ramp.

Ramp’s corporate card may be the answer if your business needs a credit card. Unlike traditional business credit cards, Ramp doesn’t require a credit check or personal guarantee. As a result, our approval process takes just one day on average. It doesn’t offer cash back or travel rewards, yet businesses still save an average of 5% on spending—and can take advantage of offers from dozens of partners.

Plus, our cards come with advanced spend management features and unlimited free physical and virtual employee cards. Here are just a few features you can expect from Ramp:

• No annual fee: Get started with Ramp’s corporate card and expense management software for free. No annual fees or setup fees.
• Expense management tools: Set spending limits, automate receipt collection, and streamline expense reporting.‍
• Accounting integrations: Ramp connects with leading accounting platforms like QuickBooks, Xero, Sage Intacct, and NetSuite to help you close your books 8x faster.