How to check your Chase business credit card application status

If you recently applied for a Chase business credit card and are eager to know where things stand, you have several ways to check your application status. Chase makes it easy to stay updated on your application’s progress, whether online, by phone, or in person.

We walk you through the steps to check your Chase business credit card application status and explain what to do if your application is still pending or gets denied.

How to check your Chase business credit card application status

Chase offers several convenient ways to check the status of your business credit card application. Whether you applied online, over the phone, or in person, you can easily track your application using the method that works best for you. These options are quick and accessible, so you can get the answers you need without delay.

Check online

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 Chase account under “Sign in.” Once logged in, navigate to the “My Accounts” section or a similar heading, then look for the “Application Status” option on your dashboard.

Check by phone

You can also check your Chase credit card application status by phone. Call 1-888-338-2586, the dedicated Chase customer service line for credit card inquiries.

When you call, have the following information ready:

• Your application reference number (if available)
• Your small business name and details
• Your Social Security number or Employer Identification Number (EIN)

Check in person

If you prefer face-to-face service or are experiencing delays, you can visit a Chase branch to check on your application status.

Use the Chase website or a map app to locate your nearest branch. Make sure to bring a valid ID and any relevant application confirmation details. Speaking directly with a banker can be especially helpful if your application requires further verification or has encountered issues.

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

In some cases, especially with online applications, you might receive an immediate approval or denial. This can happen within minutes when the system is able to quickly verify your information.

If your application requires additional review, the process can take longer. Chase typically provides a decision or follow-up within 14 days of receiving your application, though some applicants may hear back in as little as an hour.

Several factors can affect the timeline, including your credit history, the accuracy of your application details, and the need for income or identity verification, which we cover in detail below.

Common reasons for delays and pending application status

It’s not uncommon to experience a delay in receiving approval from Chase. While some applications are processed within minutes, others require further review. Here are some of the most common reasons your application might be marked as "pending":

• Additional verification is needed: Chase may need additional information to confirm your identity, income, or employment
• Issues with your credit report or business information: A limited or complex credit history, recent credit inquiries, or discrepancies in your application can trigger a manual review
• Application errors: Mistakes on your application, like incorrect information or blank sections, can slow down the approval timeline
• Internal Chase review processes: Some applications are flagged for extra review even if everything appears accurate, especially if the credit profile doesn’t clearly meet the approval criteria
• Fraud prevention checks: If Chase notices unusual activity, your application may be paused for additional business credit card fraud screening
• High application volume: Delays can occur during periods when Chase is processing a large number of applications

What does 7–10 days mean on a Chase credit card application status?

You may receive a message stating that your application will be reviewed in 7 to 10 business days or that Chase needs more time. This is common and doesn’t necessarily mean you've been denied.

This time frame allows Chase to fully assess your creditworthiness, verify your information, and complete any required internal checks. While you wait, it’s a good idea to check your application status regularly and be prepared to provide any requested documentation quickly to avoid further delays.

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Chase approval rules that could affect your application

Chase has a few informal credit card approval rules that may impact your chances of getting approved, even if your credit is strong.

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. If you’ve opened five or more personal credit cards across any credit card issuer in the past 24 months, your application will likely be declined, regardless of your credit score.

This rule is intended to discourage credit card churning, a practice where individuals open multiple cards in a short period to earn signup bonuses, along with frequent credit applications in general. It’s important to note that the 5/24 rule applies to approval for most Chase credit cards, including both personal and business credit cards.

Chase 2/30 rule

The Chase 2/30 rule is another informal guideline that suggests Chase typically limits applicants to no more than two credit card approvals within a 30-day period. Exceeding this limit may result in an automatic application denial, with the 30-day window starting from the approval date of each new card.

What to do if your Chase credit card application is denied

A denial isn’t the end of the road. You may be able to successfully appeal or improve your approval odds with a few key steps:

1. 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.

2. 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 may have contributed to the denial.

3. Call to appeal your Chase credit card denial

Chase has a reconsideration line (1-888-270-2127 for personal cards, 1-800-453-9719 for business cards) you can call to speak with a representative. Explaining your situation live could get Chase to reconsider their decision.

Before calling, make sure you’re ready to address any errors or explain recent credit activity, changes in income, or why you believe your business still qualifies.

4. 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. You may want to consider applying for a different business credit card with less stringent requirements, whether you're looking for cashback, travel rewards, or balance transfer perks.

5. Wait before reapplying

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 and increases your chances of approval the next time around.

How to use your card right away after approval

If your application is approved, you don’t have to wait for the physical card to start using it. Chase offers several ways to access your new card details immediately:

• Access your card details online: If approved, you can log in to your online Chase credit card account or use the Chase Mobile app to view your new card details immediately
• Add your card to a digital wallet: Start using your card before it arrives by adding it to a digital wallet like Apple Pay, Google Pay, or Samsung Pay directly from the Chase app
• Watch for your physical card in the mail: According to Chase, physical cards arrive in the mail around 7–10 business days after approval, or 2 weeks at most. You can begin using it for in-person purchases once it arrives.

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

Unlike traditional business credit cards, the Ramp Business Credit Card doesn’t require a credit check or personal guarantee. As a result, our approval process takes less than 2 days on average.

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• No annual fee: Ramp’s Business Credit Card has no annual fee or foreign transaction fees
• Expense management tools: Set spending limits, automate receipt collection, and streamline expense reporting with buil-in expense management automation software
• Accounting integrations: Ramp connects with leading accounting platforms like QuickBooks, Xero, and NetSuite to help you close your books faster

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