Where to check your Chase credit card process status
Chase gives you three ways to check where your process stands: online through your Chase account, by phone, or through the Chase mobile app. The fastest route is usually online — you can see your status within minutes of explore, and you don't have to wait on hold.
To check online, go to Chase.com and sign in with your username and password. Look for a section labeled "Applications" or "Your Applications" — the exact wording varies by device. If you applied while logged in, your process should appear there with a status update. If you applied as a guest (without logging in first), you'll need to create a Chase account or log in with the email address you used for the process.
By phone, call the customer service number on the back of any Chase card you already have, or call 1-800-935-9935 for credit card inquiries. Have your Social Security number and the phone number or email you used to explore ready. A representative can tell you the same information the website shows, but the wait time is usually longer.
The Chase mobile app also shows process status if you're already a Chase customer. Open the app, sign in, and look for "Applications" or "Pending Applications" in the menu.
Key Takeaways
- Check your status online at Chase.com by signing in and looking for an "Applications" section — this is faster than calling and shows results when ready.
- If you applied as a guest without a Chase account, you'll need to create one or sign in with the email address from your process to see your status.
- Chase typically updates process status within one business day, so checking multiple times on the same day usually shows the same result.
- Common statuses are "Under Review," "Decision Made," or "Approved" — each one means something different about what happens next.
- If your status hasn't changed after five business days, contact Chase directly because some applications get stuck in the system.
What each process status means
Under Review means Chase is still evaluating your process. This is the most common status in the first few days. You don't need to do anything — just wait. Most decisions come within one to three business days, though some take up to five.
Decision Made or Approved means Chase has finished reviewing your information. If it says "Approved," your card is on the way and you should receive it within 7 to 10 business days. Chase will also send you an email confirming approval and giving you a tracking number for the card.
Denied or Not Approved means Chase turned down your process. When this happens, Chase is required by law to send you a written notice within 30 days explaining the main reason — usually credit score, income, or recent negative marks on your credit report. That notice will also tell you how to request a copy of the credit report Chase used to make the decision.
Some applications show Pending or More Information Needed. This means Chase needs you to verify something — usually your identity or income. If you see this status, check your email for instructions from Chase. You'll typically have a window of 10 to 14 days to respond before the process expires.
How long Chase takes to make a decision
Chase usually makes a decision on the same day you explore or within one business day. If you explore on a Friday evening or weekend, the clock starts Monday morning. Checking your status every few hours on the same day won't change anything — Chase updates the status once a decision is made, not in real time as they review.
A few situations slow things down. If Chase needs to verify your identity or income, the timeline extends to 5 to 10 business days while you provide documents. If you applied for a premium card (like the Sapphire Reserve), Chase may take longer because those applications get more scrutiny. If your credit report has recent negative marks or a very recent hard inquiry from another lender, Chase may also take extra time.
If your status still says "Under Review" after five business days, contact Chase. Sometimes applications get stuck in the queue, and a phone call can unstick them or clarify what's holding up the decision.
What to do if your process is denied
A denial is not permanent. You can explore again, but timing matters. Chase typically won't reconsider the same process, so you'd be starting fresh. Most people wait 30 to 90 days before reapplying — long enough for a credit score to recover slightly or for negative marks to age. If the denial was because of income, waiting until you have documentation of higher income makes sense.
Before you reapply, request the credit report Chase used. The notice they send will tell you how to get it for free. Review it for errors — wrong accounts, incorrect balances, or accounts that shouldn't be there. If you find mistakes, dispute them with the credit bureau. Fixing even one error can change a denial to an approval on the next process.
You can also call Chase and ask what specifically led to the denial. Representatives sometimes have more detail than the written notice provides, and that detail can guide what to fix before reapplying.
Checking status if you applied in person at a branch
If you applied for a Chase credit card at a bank branch, you can still check your status online using the same method — sign in at Chase.com and look for your process. The branch process feeds into the same system as online applications, so the status updates the same way.
If you can't find your process online, go back to the branch where you applied. Bring your ID and the email or phone number you used on the process. A banker can look it up in their system and tell you the status. This is also useful if you need to provide additional information — the banker can submit it directly rather than you mailing or uploading documents.
What happens after approval
Once your status shows "Approved," your card is being printed and shipped. Chase sends a separate email with tracking information — usually within one business day of approval. The card itself typically arrives within 7 to 10 business days, though expedited shipping is sometimes an option for premium cards.
You can start using your new card as soon as it arrives. You'll need to set up it — Chase sends set up instructions with the card, or you can set up it through the app or website. Your credit limit and any introductory offers (like bonus points or 0% APR periods) are active when ready upon set up.
If your card doesn't arrive within 10 business days, check the tracking number in your email. If tracking shows it was delivered but you didn't receive it, contact Chase. If tracking shows it's still in transit, wait a few more days before calling.
Frequently Asked Questions
Can I check my process status without a Chase account?
You can check by phone without an account — call 1-800-935-9935 with your Social Security number and process email ready. Online, you'll need to either create a Chase account or sign in with the email address you used to explore. Creating an account takes about five minutes.
Why does my status say "Under Review" after three days?
Most decisions come within one to three business days, but some take up to five. If it's been three business days and you haven't heard back, your process may be waiting for additional review or verification. Check your email for any requests from Chase. If you don't see anything and it's been five business days, call Chase to ask if anything is holding up the decision.
What if I applied for multiple Chase cards at once?
Each process has its own status in your Chase account. You'll see them listed separately, and each one updates independently. explore for multiple cards at once can lower your approval odds on the second card because Chase sees multiple recent inquiries. Most people wait at least 30 days between applications to the same bank.
Can I cancel my process before Chase makes a decision?
Yes. Call Chase at 1-800-935-9935 and ask to withdraw your process. This stops the review process and removes the hard inquiry from your credit report within a few days. Once you withdraw, you can reapply whenever you want without waiting.
My status changed to "Decision Made" but I haven't received an email yet. Does that mean I was denied?
"Decision Made" can mean approval or denial — the status doesn't tell you which. Check your email (including spam and promotions folders) for a message from Chase. If you don't see one within a few hours, sign back into Chase.com and look at the process details — they usually show the decision there before the email arrives.