topic Re: Applying for Chase with seriously delinquent accounts in Credit Cards

Applying for Chase with seriously delinquent accounts

birjest — Thu, 04 Oct 2012 16:43:42 GMT

I would like to apply for Chase Slate to take advantage of the BT. However, I have a deed in lieu dated March 2009. I did however, just closed on a home (3.375%) and a car loan recently (3.99%). Should I go ahead and apply, or wait 4 more years with Chase?

Re: Applying for Chase with seriously delinquent accounts

Shogun — Thu, 04 Oct 2012 16:45:32 GMT

Would cost you a HP to find out. If you have nothing else waiting in the wings, why not give it a try?

Re: Applying for Chase with seriously delinquent accounts

birjest — Thu, 04 Oct 2012 16:57:26 GMT

Ok, I just applied. From the website:

Thank you for applying. Your application requires further review before making a decision.

Should I call the back-door number?

Re: Applying for Chase with seriously delinquent accounts

flowfaster — Thu, 04 Oct 2012 17:01:33 GMT

birjest wrote:
Ok, I just applied. From the website:

Thank you for applying. Your application requires further review before making a decision.

Should I call the back-door number?

Hell Yeah.

Re: Applying for Chase with seriously delinquent accounts

birjest — Thu, 04 Oct 2012 17:09:28 GMT

OK, I was denied due to my deed in lieu, which was dated March 2009. But I was able to close on a house and car loan???

Re: Applying for Chase with seriously delinquent accounts

Tommy5746 — Thu, 04 Oct 2012 17:11:58 GMT

birjest wrote:
OK, I was denied due to my deed in lieu, which was dated March 2009. But I was able to close on a house and car loan???

The life of credit is funny my friend..

Re: Applying for Chase with seriously delinquent accounts

birjest — Thu, 04 Oct 2012 17:17:19 GMT

lol, tell me about it.

Re: Applying for Chase with seriously delinquent accounts

codimom — Thu, 04 Oct 2012 17:19:47 GMT

birjest wrote:
OK, I was denied due to my deed in lieu, which was dated March 2009. But I was able to close on a house and car loan???

My thought on this is... the car and the house are secured loans...you don't pay, they take them back. A credit card, on the other hand, is unsecured debt. The lender wouldn't have anything to take back!

Re: Applying for Chase with seriously delinquent accounts

birjest — Thu, 04 Oct 2012 17:24:35 GMT

Ok, would you believe they gave me a recon and approval of........................$400.00!!! :smileysurprised: Chase want me to establish a history with them. Go figure......Oh, credit seekers can't be choosy. I am cool with that. Not to mention, I was approved 2 weeks ago with an AMEX True Reward as well.

Re: Applying for Chase with seriously delinquent accounts

codimom — Thu, 04 Oct 2012 19:20:58 GMT

ahhh... well treat it well, and soon maybe they'll take off the training wheels. But seriously, good on ya .. you have a starter card with a major player.

Re: Applying for Chase with seriously delinquent accounts

tinuviel — Thu, 04 Oct 2012 21:04:46 GMT

codimom wrote:
ahhh... well treat it well, and soon maybe they'll take off the training wheels. But seriously, good on ya .. you have a starter card with a major player.

+1. A foot in the door... congrats! :)

Re: Applying for Chase with seriously delinquent accounts

Shogun — Thu, 04 Oct 2012 21:06:33 GMT

+1 Absolutely. Go to the garden, take care of it and soon it will growing. Congrats!