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If you've recently applied for a 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 check my Chase business credit card application status?

Let's begin with how you can conveniently check your application status through Chase's website.

Online method

  1. Visit the Chase Website:
  2. Log in:
    • Click on the “Sign in” button located at the top right corner of the homepage.
    • Enter your username and password to log into your account.
  3. Navigate to Application Status:
    • Once logged in, find a section typically labeled “My accounts” or a similar heading.
    • Look for and select an option that says “Application status,” which may be under account services or the customer center tab.
  4. View status:
    • Clicking on “Application status” will display the details of your credit card application, including its current status.

Phone method

  1. Prepare your information:
    • Have your Social Security number and other relevant personal details handy, as you will likely need to verify your identity.
  2. Call customer service:
    • Dial the Chase customer service number specific for credit card inquiries: 1-800-432-3117.
  3. Follow the prompts:
    • Follow the voice prompts to navigate to the credit card application status option. You might need to say “Application status” or enter a specific number corresponding to that choice.
  4. Speak to a representative:
    • If the automated system does not provide the status, you can opt to speak with a customer service representative for further assistance.

Visit a branch

For those who prefer a face-to-face interaction or might be near a branch, visiting a Chase bank branch is another option to check your credit card application status.

  1. Locate your nearest Chase branch:
    • Use the branch locator on the Chase website or a map application to find the closest Chase bank branch.
  2. Visit the branch:
    • Head to the branch during its operating hours. It’s advisable to bring identification and any documents related to your application.
  3. Request assistance:
    • Speak with a bank officer once you arrive. Provide them with your identification and any necessary information so they can help you check the status of your credit card application.

How long does it take to get a Chase business card approval?

The approval time for a Chase business credit card can vary, but typically, 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.

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 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. 

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.

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.

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

If your business needs a credit card, Ramp’s corporate card may be the answer. 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.

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.

Disclaimer: Content on Ramp's blog may change, and opinions are those of the authors and not necessarily Ramp's. The information in this article is provided in good faith for general informational purposes, but does not constitute accounting, legal, or financial advice. Please contact an accountant, attorney, or financial advisor to obtain advice with respect to your business. Ramp is not liable for any losses or damages.

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Finance Writer and Editor, Ramp
Ali Mercieca is a Finance Writer and Content Editor at Ramp. Prior to Ramp, she worked with Robinhood on the editorial strategy for their financial literacy articles and with Nearside, an online banking platform, overseeing their banking and finance blog. Ali holds a B.A. in Psychology and Philosophy from York University and can be found writing about editorial content strategy and SEO on her Substack.
Ramp is dedicated to helping businesses of all sizes make informed decisions. We adhere to strict editorial guidelines to ensure that our content meets and maintains our high standards.

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