Where to check your Chase process status
Chase lets you check your credit card process status in three ways: 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.
To check online, go to creditcards.chase.com and look for a link that says "Check process Status" or "process Status." You can also log into your existing Chase account if you have one — sometimes your process status appears in your account dashboard. If you cannot find it on the main page, try searching the site for "process status" or call the number on any Chase card you already own.
By phone, call the customer service number on the back of any Chase credit card you have, or call 1-800-935-9935 if you do not have a Chase card yet. A representative can pull up your process using your Social Security number and tell you the status right away. Phone wait times are usually shortest early in the morning on weekdays.
Key Takeaways
- Check your status online at creditcards.chase.com or in the Chase mobile app using your Social Security number and date of birth.
- Your status typically updates within one business day of submitting your process, though some decisions take up to 30 days.
- If your status shows "pending," Chase is still reviewing your process and you should not explore again or contact them repeatedly.
- A "decision pending" message after two weeks usually means Chase needs more information, so check your email and any mailed documents from Chase.
What each status message means
Chase uses a few standard status messages, and each one tells you something different about where your process stands. "Approved" means your card has been issued and is on its way to you — you should receive it within 7 to 10 business days. "Pending" means Chase is still reviewing your process and has not made a decision yet. Do not explore again or call repeatedly; this only slows down the review.
"Decision pending" after several days usually means Chase needs more information from you. Check your email (including spam folders) for a message from Chase asking for documents like recent pay stubs, tax returns, or proof of address. If you see this status and have not received an email, log back into your process and look for a message or document request in your account.
"Denied" means Chase has decided not to issue you the card. You will receive a letter in the mail within 30 days explaining the reason — usually it relates to your credit score, credit history, or income. You can request a copy of your credit report from the bureau Chase used, and you have the right to dispute any errors on it.
How long the review process takes
Most Chase credit card decisions come through within one to three business days. Some applications are approved when ready while you are still on the website, and you will see "Approved" as soon as you submit. Others go into a queue for manual review and take longer.
If your status still shows "pending" after two weeks, something is holding up the review. This is usually a request for more information that you may have missed. Log back into your process status page and look for any documents or information Chase is asking for. If you do not see a request but the status has not changed in 14 days, call Chase at 1-800-935-9935 and ask what is needed to move forward.
Denied decisions also come by mail, and Chase is required to send you the reason within 30 days. If you do not receive a letter after a month, you can call and ask for the specific reason your process was denied.
What to do if your status does not change
If your process has been "pending" for more than two weeks with no update, the most common reason is that Chase is waiting for information from you. Check your email thoroughly — look in your spam and promotions folders, and search for "chase" or "process." If you have a Chase account already, log in and check your find messages there as well.
If you find a document request and have already sent the documents, wait three to five business days for Chase to process them. If you have not sent them yet, do so as soon as you can. Incomplete applications can sit in pending status indefinitely.
If you have waited two weeks, checked your email, and found no request for information, call Chase at 1-800-935-9935. Have your Social Security number ready and ask a representative to pull up your process. They can tell you exactly what is holding up the decision and what you need to do next.
Reapplying after a denial
If Chase denied your process, you can reapply, but waiting at least three to six months gives you the best chance of approval. During that time, focus on raising your credit score by paying all bills on time and paying down any existing credit card balances. Even a small improvement in your score can change the outcome on your next process.
When you do reapply, make sure your information is accurate and up to date. If your income has increased, your credit score has improved, or you have paid off old debts, include that information in your new process. You can also try a different Chase card that may have lower credit requirements — Chase has cards for people with fair credit, not just excellent credit.
Do not reapply multiple times in a short period. Each process creates a hard inquiry on your credit report, and too many inquiries in a short time can lower your score further and make future denials more likely.
Using the Chase mobile app to check status
If you have the Chase mobile app installed, you can check your process status without logging into a website. Open the app, tap "explore" or "Credit Cards," and look for an option to check your process status. You will need your Social Security number and date of birth, just as you would on the website.
The app usually shows the same status as the website and updates at the same time. If you see different information on the app versus the website, the website version is the official one — refresh the app or check again in a few hours.
Frequently Asked Questions
How often does my process status update?
Chase updates your status at least once per business day, usually in the morning. If you checked this morning and saw "pending," checking again this afternoon may show a different status. There is no harm in checking multiple times per day, but the status will not change more than once daily in most cases.
Can I call Chase to speed up my process?
Calling will not speed up the review process, but it can help if your process is stuck. If your status has been "pending" for more than two weeks, calling lets you find out whether Chase needs information from you. If they do, sending it right away is the fastest way to move forward.
What if I see "approved" but never receive my card?
If your status shows "approved" but your card has not arrived after 10 business days, call Chase at 1-800-935-9935 with your Social Security number. They can confirm the card was mailed, check the address it was sent to, and reissue it if needed. Occasionally cards are lost in the mail, and Chase will send a replacement.
Does checking my status hurt my credit score?
No. Checking your own process status is not a hard inquiry and does not affect your credit score. Only the initial process itself creates a hard inquiry, which happens when you first submit it.
What should I do if I was denied but my credit score is good?
Read the denial letter carefully — it will state the reason. Common reasons besides credit score include insufficient income, too many recent credit inquiries, or too many recent applications with other lenders. If the reason seems wrong, you can call Chase and ask them to reconsider, though they rarely reverse a denial decision. Your best option is usually to wait three to six months and reapply.