Many of the credit card offers that appear on this site are from credit card issuers from which receives compensation. Compensation does not impact the placement of cards on Million Mile Secrets other than in banner advertising. does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Why I Called the Chase Business Reconsideration Department

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Why I Called the Chase Business Reconsideration Department

Million Mile SecretsWhy I Called the Chase Business Reconsideration DepartmentMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Terms apply to the offers listed on this page. Here’s our full Advertising Policy.

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

Don’t forget to follow me on  Facebook or Twitter!

I recently applied for the Southwest business card to get the Southwest Companion Pass and got approved after calling the reconsideration line.  Earning the Companion Pass in 2013 means that Emily can fly for free, up to the end of 2014, on every Southwest ticket I book using either miles or points!

The 50,000 point Chase Ink Plus, Chase Ink Bold, and the Chase Southwest card are among the best business cards by Chase, so I thought I’d post my experience with the Chase business reconsideration line.  The Chase reconsideration line is closed on Sundays.

The credit line for business cards does not show in my personal credit report and impact my credit utilization or credit aging, so it doesn’t impact my personal credit score in the long term.  However, the credit inquiry does show in my  personal credit report, but the effect drops off after 3 to 6 months (though it does stay on my credit report for 2 years).

Business cards are an easy way to get extra miles and points, and as I’ve written previously, many of us may qualify for businesses even though we don’t realize it.  However, business credit cards may not have all the consumer protections which personals cards have.

With Chase business cards, it can take weeks to get approved.  I’m impatient so I call the reconsideration line to get approved as soon as I submit my application.  I ask the reconsideration analyst to use my social security number to look up my application.


Your Goal:  Get approved for the Chase business card which you applied for.  You’ve already got an inquiry on your credit report when you applied for the card, so you may as well try to get approved for the card.

Chase’s Goal:  Lending to small businesses is riskier than lending to individuals, so Chase wants to ensure that the credit extended is appropriate and likely to be paid back.  You do personally guarantee that you’ll pay back debt on your business credit card, but Chase still needs to do its due diligence.

Preparation:  Prepare responses to commonly asked questions such as how long you’ve had your business, prior, present & future revenue, expenses, profit and your personal income and employment details.  Also review my post on calling the reconsideration department at banks.

My Call

I applied for the Southwest business credit and called the Chase reconsideration line.

Chase Analyst:   Chase business card services.  How may I help you?

Daraius:  Hello, I just submitted an application for the Chase Southwest Business card and I was curious if you needed any other information to process the application?

I prefer asking the agent indirectly to check my application status, instead of opening the call with a plea to check my application status.

Chase Analyst:  Sure.  It will take 3 to 4 minutes to review your information and we can then make a decision on the card.  Do you want to continue?

Daraius:  Yes, of course!

Chase Analyst:  What is your reference number?

Daraius:  I don’t have a reference number, but here’s my social security number, XXX-YY-ZZZZ.

The agents almost always ask for a reference number, but you can have them look up your application via your social security number.  The reference number is usually in the letter you get from Chase declining your application or asking for more information.

Chase Analyst:  Thanks!  What does your business do?

Daraius:  I write a blog on how to best use airline miles and hotel points to travel.

Chase Analyst:  How long has it been established?

Daraius:  Close to 2 years now!  I registered the name earlier, but didn’t start until April 2011.

Chase Analyst:  What was your revenue for 2011?

Daraius: I didn’t earn any revenue in 2011.

Chase Analyst: How did you calculate your income or loss?

Daraius:  The usual way – gross receipts (which were zero) less expenses incurred with the business.  I’m a small business, not a big bank, so nothing funny here!

Chase Analyst: Ha!  That’s fine. What was your revenue in 2012?

Daraius:  Year to date revenue is $X.

Chase Analyst:  How much experience do you have with your business?

Daraius:  I used to travel 3 weeks out of 4 in a month for business and collected lots of points. Blah, blah…

Chase Analyst:  You don’t have to disclose separate income (alimony, child support etc.) unless you want to use it to repay credit card debt.  Is the total income you entered on the application still $X?

In my experience, the agents always ask this question.  I interpret this to mean that it is okay to include income from your partner as long as it can be used to repay the credit card debit.  An agent suggested that Emily include partner’s income (on a separate reconsideration call for her), but your miles may vary.

Daraius:  It still is.

Chase Analyst:  I see that you already have another Chase Southwest business card?

Daraius:  Actually I closed that card about a month ago.  It was the Plus version, but I want the Premier version which doesn’t have foreign transaction fees and earns me A-List qualifying point unlike the Plus card which I cancelled.

If I had cancelled the Premier version instead and applied for the Plus version, I would have said that I wanted a card with a lower annual fee.

Chase Analyst:  Is your address still [reads my address].  Do you want to add another user to the account?

Daraius: That’s still my address and I don’t want to add anyone else at this time.  Thanks!

Chase Analyst:  How much credit do you want on this card?

Daraius:  Not a whole lot – $5,000 should be enough.  I’ve also been using my Chase Ink Bold regularly, so I don’t need a lot of new credit

I didn’t want it to appear that I wanted a lot of new credit.  I just wanted to be approved!

Chase Analyst:  Let me put you on a brief hold and route this for verification.

Daraius:  Sure, take your time!

Chase Analyst: [After 7 minutes]  Congratulations!  Your Southwest card is approved!

Daraius:  Thanks!  And have a great Thanksgiving weekend!

The call took ~20 minutes, but I was approved for my Southwest Business card after the call!

What To Do If You’re Not Successful?

Call again – either immediately or later on.   You’ve already received the credit inquiry so you may as well try to get approved.  Often times, a different representative will be more sympathetic or easier to talk with.

Remember, you can always move credit from your existing business cards or even your personal cards with Chase to make room for a new case.  In some cases (usually when you have a shorter credit history/history with Chase), you may have to cancel a credit card to get approved for a new one with Chase as described in this post.

Bottom Line

The Chase Business reconsideration analysts ask a lot more questions than the personal analysts.  And some of them are “all business” (read = not much small talk) since that’s their job, so don’t take it personally!

But it doesn’t hurt to be prepared and to think about your responses to some of the commonly asked questions such as how long you’ve had your business, prior, present & future revenue, expenses, sales and your personal income and employment details.

If you give them a reason to approve you, they will.  Good luck!

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

Add comment

E-mail is already registered on the site. Please use the Login form or enter another.

You entered an incorrect username or password

Sorry that something went wrong, repeat again!


by Newest
by Best by Newest by Oldest

Why no courtesy to reply? Are you that busy?

Also few other sites like rewardboss etc say not to call chase for business card reconsideration and let them take their time to approve as they say, like upto 30 days. YOUR THOUGHTS?

Hello Sir,

I have called the 1 800 453 9719 number twice but both times they say application is Pending and it is being processed by another department.

Is there any other number to call for the chase southwest business card for which i have applied 3 days ago?

I want to thank you and tell you how all your posts, but especially this one really helped me out.

I ordered a new Mac recently which is due in 3 weeks and I realized since I am spending big bucks that I should have applied for a high return new credit card first. So after hours on different posts on your site, figuring out which card I wanted, I applied for the Chase Ink Business Preferred 3 days ago. I already have SW personal and SW business cards, new in April which I used to get my second Companion Pass, and a Chase Amazon card, but had a lot of reasons why the Ink BP would be perfect. The 80,000 points and the 3X for cable, internet and phone make it really the best choice.

I expected immediate approval since we have superior credit and have always paid our bills on time. But its was still pending today. So I called the Chase status line and used your technique to tell them I wanted to add some additional information because they might question why I needed a second business card. They passed me on to “Lending” who said they just were waiting for some verification. Even though I was ready with 5 reasons I wanted the card and the main reason my business income had dropped, after 2 minutes I was approved without giving them any explanation.

I even called back Chase and explained that I needed the card faster than normal so I could change the card I used to order the new computer before it was shipped. Now I will have it in 3 days and can knock off ½ of the $5000 purchases needed immediately and can even use it for Black Friday and other sales this coming weekend.

So thanks for the advice. I have been following you since your informative posts on Slickdeals in 2014 helped me get my first companion pass. I’m happy to use your links to give you the commission so you can keep up the good work.

Million Mile Secrets

Thanks so much for sharing your kind and thoughtful words. I loved hearing about your success! And many thanks for thinking of us and using our links. Happy Thanksgiving!

Hi Daraius,

I applied for the Chase Explorer business card since it is now offering 50k in United miles. After I applied I called the recon. line and they said they couldn’t find anything with regards to my business because it was too new. I called again a few days later and the second rep. said pretty much the same, that there is not enough history or revenue with this company yet. Is there anyway that you know of that could reverse that decision? I understand it is risky to lend credit to small businesses that are not established yet. But, my thinking is that somebody has to give me a chance at some point. Any ideas?

Thank you!

Daraius….I recently ot approved on 2 Chase cards (Marriott Rewards and United Mileage Explorer Card in Aug/Sept – all within 45 days). I got declined on the Chase Ink last month. At the time, I did state I had an online business (amazon/craigslist). I also stated that my business was just a a couple of years old. They did mention that I couldn’t be approved since I don’t have a lot of payment history with newer credit cards (I have since paid the card in full TWICE in 2 months). I was promised a letter explaining WHY I was declined….and I’ve not received it yet. I’m thinking of calling and getting reconsidered again (after 2 failed attempts)…thoughts?

Load more