A quick tip if you need to provide documents to the Chase verification team

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If you’ve recently applied for a Chase credit card and weren’t instantly approved, one of the reasons may simply be verification. Whether that be verification of address, proof of business incorporation, etc you’ll need to provide proof. This proof can be faxed or taken into a Chase branch, but here’s a quick tip dealing specifically with proof of address that will avoid a delay in your application being processed properly.

Provide a bill that is paid or doesn’t show anything past due.

I found myself in this situation. I was asked to provide proof of address with a bill and then fax it to:

• 201-328-3289

I provided Chase with a gas bill and faxed it using an app on my phone called Tinyfax. Super easy and took all of 5 minutes. However the bill that I provided didn’t reflect the payment that had been made in the interim between my January and February statements. I didn’t think this was a big deal, and the new balance was due March 15th, but after a week of waiting to see if the application had been processed, I phoned in to make sure the bill had been received.

It had been, but was rejected as a valid proof of address, even though it plainly showed my address on it, for the reason that I explained above. It had a balance/past due balance. The odd thing is nothing on the bill says past due, it just says I owe the total of the two months utility, or roughly $50.

After speaking with the rep I discovered that everything about the bill was completely valid apart from it having a balance owed, or past due as she called it.

I’ll keep you all up to date on this, but thought it’d be helpful as banks are getting more stringent on fraud detection and prevention, and you could very easily end up in this same situation. Personally, I’m thankful for verification processes as I know several people who have had to battle fraudulent applications and have avoiding serious financial injury as a result of these protocols.

If you need to speak directly with verification you can reach them directly at:

• 1-800-278-8830
• Monday to Friday 8-8 EST