Chase Blacklist Success

[LittleCat]

I know alot of folks list Chase as blacklisting. After having a 4k charge off in 1996, I figured I'd never be on thier good side especially  hearing that they black list.

Because I plan on doing a bit of traveling, I wanted a milage card with good perks, specifically United Milage Plus Club for the Club membership and free baggage. I figured I have built a super strong credit profile in the past 15 years I'd try to get it.

Applied online and about 20 seconds it came back approved with 21k limit.

[coldnmn]

Wow maybe one day there is hope for me! Congrats! Thanks for sharing.

[-Wade-]

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@coldnmn wrote:

Wow maybe one day there is hope for me! Congrats! Thanks for sharing.

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Congrats OP   Good luck to you buddy (Cold)

[LittleCat]

There is tons of hope! I started my rebuild many years ago with a 473 FICO, I didnt even know it went that low! My first card while rebuilding was an Orchard for $300, then a BoA secured. I was simply aggressive about it. When BoA unsecured and raised my limit to $1k, I waited 6 mos then called and asked for 2k, saying I wanted to travel and wanted a good card to take with. I had 'travel plans' every 6 mos. It was patience and perserverence!

When I got the United approval I realized all the work I did back then was paying off in spades.

FWIW I am over 800 across the board, 80k of combined limits, 2k of outstanding balances. 1 auto loan that has 5 payments left on it. Never late, EVER.

[PaBill]

Congratulations!

[gdale6]

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@LittleCat wrote:

I know alot of folks list Chase as blacklisting. After having a 4k charge off in 1996, I figured I'd never be on thier good side especially  hearing that they black list.

Because I plan on doing a bit of traveling, I wanted a milage card with good perks, specifically United Milage Plus Club for the Club membership and free baggage. I figured I have built a super strong credit profile in the past 15 years I'd try to get it.

Applied online and about 20 seconds it came back approved with 21k limit.

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Nice, congrats

[indiolatino61]

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@LittleCat wrote:

I know alot of folks list Chase as blacklisting. After having a 4k charge off in 1996, I figured I'd never be on thier good side especially  hearing that they black list.

Because I plan on doing a bit of traveling, I wanted a milage card with good perks, specifically United Milage Plus Club for the Club membership and free baggage. I figured I have built a super strong credit profile in the past 15 years I'd try to get it.

Applied online and about 20 seconds it came back approved with 21k limit.

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That's a hell of a limit! Congrats to you.

[CreditMagic7]

WoW!!!
Way to break the ice!!

Congrats!

[MoneyHunnie]

Congrats OP! I had a charge off from Chase in 2006. I decided to app 2 weeks ago for the Freedom and got approved. A week later I apped for the CSP and got that one as well! I was jumping around for joy like a fool because I never thought I'd qualify for a Chase card again. It felt great to be proven wrong!

[HawaiianSkwerl]

Grats to you guys!! I love my Chase Freedom. The rewards are excellent. Just got the CSP, and i'm excited for that as well.