Does Chase Blacklist ?

[Anonymous]

I presay never had a Chase card, but back in 2008 right in the middle of my filing of a CH13,, I believe it's was CITIBANK sold off there Best Buy accts to CHASE Bank , So I guessing a BK a Chase acct . Because every time I try their (Chase) pre-approve site I get NOTHING. Ugh

[SecretAzure]

Yes.

[ddemari]

OP- chase does have a very,very long memory and does put people on list. 

but, even though they have a long memory. 7+ years out might be long enough for them. I have 8 chase cards and never prequaled for any of them.

I burned chase in a BK with several of their cards in 2003. It took me nearly 9 1/2 years to get back in. U might have to just apply and see what happens. Id do it if you are low on inquiries and new accounts since you may have to recon with them. 

[SecretAzure]

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@ddemari wrote:

OP- chase does have a very,very long memory and does put people on list. 

but, even though they have a long memory. 7+ years out might be long enough for them. I have 8 chase cards and never prequaled for any of them.

I burned chase in a BK with several of their cards in 2003. It took me nearly 9 1/2 years to get back in. U might have to just apply and see what happens. Id do it if you are low on inquiries and new accounts since you may have to recon with them. 

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To add on to this helpful post, I'll say that it helps to do business with them, or in other words, to bank with them. If you have a savings/checkings with them and you go into Chase, Chase employees often give credit cards to people even if all the prequal sites show nothing and even for those with bad history. I say you have a better chance if you go and talk to someone.  

Highly recommend giving Kudos to the above poster.

[ddemari]

I also opened a checking/ savings  with chase about 6 months before I opned my Freedom card. Low overall credit utilization also helps alot. 

[Anonymous]

Ok , TKS for INFO

[masscredit]

Chase is on my "wants list" but they were included in my BK in 2009. Two cards with one having a balance of over $80K. Maybe I'll start a relationship with them then apply for a card in a few years. 

[ddemari]

before chase let me back in, i tried one of my first recons with them in 2013 for a slate visa. The csr mentioned my 9 year old bankruptcy wasnt holding me back from getting in, but my merrick bank visa reporting a 50 % balance should be lowered and then reapply. He even said I can see u burned us on a United Visa and Slate from 2003 but thats not holding us back. utilization is. 

So i opened the checking account/ savings account. got my utilization down to 1% and was approved Freedom 3 months later. They like to see time and positive positive history before letting u back in, from my experience. 

[Anonymous]

http://ficoforums.myfico.com/t5/Credit-Cards/2013-Blacklist-Thread/m-p/2356295/highlight/true#M66489...

2013 Thread, but hey, it's something!

[Anonymous]

Reading these stories about Chase makes me think about why go with them? I know they are seen as one of the premier cards, but with their tight requirements and their financial reviews, is it more about being in the "club" than anything else? Other cards offer similar rewards without the heartache.