Chase Slate with a BK 7

[creditgambler2018]

Do you know of anyone that has gotten approved for the Chase Slate with a BK7 on their report WITHOUT HAVING TO CALL IN AND BEG FOR THE CARD? I am 20 months post BK 7.  4 CCs with $6,300 TOTAL credit line and Auto Loan that I owe $7,200. What are my chances?

[CH-7-Mission-Accomplished]

---

@elcocaino2010 wrote:

Do you know of anyone that has gotten approved for the Chase Slate with a BK7 on their report WITHOUT HAVING TO CALL IN AND BEG FOR THE CARD? I am 20 months post BK 7.  4 CCs with $6,300 TOTAL credit line and Auto Loan that I owe $7,200. What are my chances?

---

I think you will have to call in for a recon at least through year 7 and probably the full 10.  The computer sees the BK7 and says no.  You have to call and give them a reason to override the computer.

The reports of people getting in with Chase are few and scattered before 7 years.  Virtually all of them have had to recon.

Did you IIB Chase?  That makes matters more difficult.

I am definitely on their blacklist.

[creditgambler2018]

NO, i did not burn chase and I have never had chase credit before of any kind. I have a chase debit card and chek and savings account, I am assuming this makes no difference.... If I ever apply I will do it at a branch... But  I have to wait I guess to let score rise....

[CH-7-Mission-Accomplished]

---

@elcocaino2010 wrote:

NO, i did not burn chase and I have never had chase credit before of any kind. I have a chase debit card and chek and savings account, I am assuming this makes no difference.... If I ever apply I will do it at a branch... But  I have to wait I guess to let score rise....

---

Honestly, at this point I think it would be wasting an HP.  I would probably wait until four years and then expect a struggle.  Chase and Citi are really the two toughest when it comes to BK's.  More than the other major lenders.  Citi is a definite no before seven years unless you get in through their secured card that later unsecures.  

[StartingOver10]

^^^Yep, agree with Ch 7.  I was told directly from Citi that no chance of approval before 7 years with Bk on record. I do have the Best Buy card that is Citi, but I had it before Citi was the lender so they 'inherited' me when they took over the Best Buy accounts a year or so ago.

Chase OTOH said no way for at least 10 years. They were in my Bk so I get it. Agree with Ch 7 Rebuilding's analysis: don't waste a HP now for Chase. Make your rebuild solid and hold off until you have at least 4 years under your belt.

[Anonymous]

---

@elcocaino2010 wrote:

Do you know of anyone that has gotten approved for the Chase Slate with a BK7 on their report WITHOUT HAVING TO CALL IN AND BEG FOR THE CARD? I am 20 months post BK 7.  4 CCs with $6,300 TOTAL credit line and Auto Loan that I owe $7,200. What are my chances?

---

I'm over 8 years post BK and I tried again before going into the garden.  They still won't give me a card and their reason is because a BK shows on my report. 

[Scupra]

Chase is a tough one and will require recon while BK is still reporting.

[Anonymous]

---

@Scupra wrote:
Chase is a tough one and will require recon while BK is still reporting.

---

I'm not going to worry about it now.  I'm not applying for anything until my time in the garden ends.  By that time, the BK will be gone.