You Chase Freedom Unlimited® could be denied because of a low credit score (below 700), not enough annual income, or too many recent credit inquiries. Other grounds for denial could be incomplete or inaccurate information on the application, or a pending bankruptcy on your credit report.
Whatever the reason, Chase will send a letter detailing why you were denied for Chase Freedom Unlimited® within 7 to 10 days of rejecting the application. You can use that information to help determine your next steps.
What you should do if your Chase Freedom Unlimited® application was denied:
- Call Chase and ask them to reconsider your application.
- Apply for a credit card that’seasier to get.
- Build your credit as anauthorized useron someone else’s account.
On the other hand, if you already have the Chase Freedom Unlimited card but were denied when you tried to make a purchase, there are a few reasons why your card could have been declined. For example, it’s possible that the card hasn’t been activated yet or you’ve exceeded your credit limit.
If this occurs, first have the merchant try the card again to confirm it’s not an issue on their end. If the transaction is still denied, contact Chase customer service at (800) 945-2000. They will be able to determine the specific reason(s) why the transaction didn't go through.
This answer was last updated on 01/15/24 and it was first published on 11/12/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
