Where to check your Chase credit card status
Chase gives you three ways to check where your process stands: online through their website, by phone, or through the Chase mobile app. The fastest route is usually the website or app, where you can see your status when ready without waiting on hold. You will need your Social Security number and date of birth to look it up.
If you applied online, Chase sends you a confirmation email with a reference number. Keep that email — you can use the reference number to check status faster than searching by Social Security number alone. The status page updates throughout the day as Chase processes applications, so checking again after a few hours or the next morning may show movement.
Key Takeaways
- Check your status on Chase.com, through the Chase mobile app, or by calling 1-800-432-3117 — the website and app show results when ready while phone lines may have wait times.
- Have your Social Security number and date of birth ready, or use the confirmation email reference number if you applied online.
- Chase typically shows a decision within minutes to a few business days, though some applications go to manual review and take longer.
- If your status shows "pending" or "under review" after five business days, calling the reconsideration line may help move your process forward.
- A "denied" status is final for that process, but you can reapply after six months or address the reason for denial before trying again.
Checking status on Chase.com
Go to Chase.com and look for the "Check process Status" link, usually found in the top navigation or under a "Credit Cards" section. Click it and you will land on a page asking for your Social Security number and date of birth. Enter both and select the card you applied for if you have applied for multiple Chase cards.
The system will show one of several statuses: approved, denied, pending, or under review. An approved status means the card is on its way to you — Chase typically mails new cards within 7 to 10 business days. If the status says pending or under review, your process is still being processed and you should check again in a day or two.
Using the Chase mobile app
Open the Chase app and tap the menu icon (three horizontal lines). Select "Credit Cards" and then "Check process Status." You will need to sign in with your Chase username and password. If you do not have a Chase account yet, you can check status without signing in by selecting "Check Status Without Signing In" and entering your Social Security number and date of birth.
The app shows the same information as the website and updates at the same time. Many people find the app faster because you do not have to navigate through the website's homepage first. Bookmark or save the status page in your app for quick access if you plan to check multiple times.
Calling Chase to check by phone
Call 1-800-432-3117 to speak with a Chase representative. Have your Social Security number, date of birth, and the reference number from your confirmation email ready. Wait times vary depending on call volume, but you typically reach someone within 5 to 15 minutes during business hours.
The representative can tell you your status and explain what happens next. If your process is under review, they can sometimes see notes about what Chase is waiting for — for example, income verification or a response to a fraud check. Asking what information Chase needs, if anything, can help you move the process along.
What different statuses mean
Approved means Chase has accepted your process and your card is being mailed. You should receive it within 7 to 10 business days. Some approved applications come with a credit limit offer; others require you to set your limit online or by phone after you receive the card.
Pending or Under Review means Chase is still making a decision. This can take anywhere from a few hours to several business days. Chase may be verifying your income, checking your credit history more deeply, or confirming your identity. Check back after 24 hours; if the status has not changed after five business days, calling the reconsideration line (1-800-432-3117) may help.
Denied means Chase has decided not to approve the process. The denial is final for that specific process. You will receive a letter in the mail explaining the reason — common reasons include insufficient credit history, too many recent credit inquiries, or income below the card's requirements. You can reapply after six months, or sooner if you have addressed the reason for denial.
What to do if your process is stuck in review
If your status shows "under review" or "pending" after five business days, call the reconsideration line at 1-800-432-3117. Ask to speak with a reconsideration specialist. Have your Social Security number, date of birth, and reference number ready.
The specialist can see notes on your file that the online status page does not show. They may ask you questions about your income, employment, or credit history. If Chase needs additional information — such as recent pay stubs or a letter from your employer — they will tell you how to send it. Providing what they ask for quickly can move your process from review to a decision within a day or two.
Be honest and direct. Reconsideration specialists have some flexibility to approve applications that initially looked borderline, but only if the information you provide supports approval. If you have recently changed jobs, received a raise, or paid down debt, mention it.
After your card is approved
Once approved, your card ships within 7 to 10 business days. Chase sends a tracking number via email or text if you provided those during your process. You can also check the status of your physical card shipment on Chase.com or the app — look for "Track Your Card" in the same area where you checked your process status.
When your card arrives, set up it before using it. You can set up through the Chase app, on Chase.com, or by calling the number on the back of the card. Some cards come with a temporary credit limit; you can request a higher limit after 30 days of on-time payments.
Frequently Asked Questions
How long does it take to get a decision on a Chase credit card?
Most decisions come within minutes to a few hours. Some applications go to manual review and take up to five business days. If you have not heard back after five days, call 1-800-432-3117 to check if additional information is needed.
Can I check my status without a reference number?
Yes. Go to Chase.com or open the Chase app and select "Check process Status." Enter your Social Security number and date of birth. The system will pull up any pending or recent applications tied to that Social Security number.
What does "under review" mean and how long will it take?
Under review means Chase is still evaluating your process, usually because they need to verify income or conduct additional credit checks. This typically takes 1 to 5 business days. If it takes longer, call the reconsideration line to see if Chase needs documents from you.
If I was denied, can I reapply right away?
You can reapply after six months. If you reapply sooner, Chase will likely deny you again. Before reapplying, address the reason for denial — for example, if it was insufficient credit history, build credit for several months first. If it was income-related, wait until your income has increased.
Why does my status show approved but I have not received my card yet?
Approved means the card is in the mail. Standard delivery takes 7 to 10 business days from the approval date. If more than 10 business days have passed, call 1-800-432-3117 to request expedited shipping or to check if there was a delivery issue.