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OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Community Leader
Super Contributor

OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Holy mother of all recons!!!!  😳

 

Ok... so a little history for those of you who don't  know , but Chase was IIB in 2013, and I've tried relentlessly to get back in with them with no luck. I didn't care what card 💳 I had, just needed "IN".  

 

So last night, I decided to just go for it again, and of course if you have a BK reporting the computer automatically declines you for that, so "waiting out the app" is not an option for people like me with the auto declines. Anyway, called in immediately for recon and was told that it was auto declined for that, and long story short..... I did one hell of a recon, my best one yet!!! Lol!! 😉

 

She told me she put in a recommendation for approval but that I needed to call verification for further processing. I did, they sent text to cell phone, asked a few public questions and other questions, and after that.... approved! Couldn't believe it!! I was prepared to call back for a 2nd recon! I even told her I was just wanting a foot in with a low sl of $300 and didn't care about apr either.  

 

So imagine my shock at the $3k approval!! I will treat this card very carefully rebuilding my history once again with Chase, and ride this high wave for the rest of the year!!  Will need to garden for 2 yrs if I want  freedom or another legacy card and not co-branded, but giving them 2 yrs of rebuilt history with them, I should have no problem getting any of their cards at that point.  I did not apply for prime card as I'm not that big of an amazon person, and I got the "silver " colored card 😊

 

Anyway... pulled EX (only one open), 25+/24,  and like 80+ inq/24, fico8  681, $3k/22.7%, have no banking history with them, just past cc. 

 

 

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(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
117 REPLIES
Valued Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

That's a nice welcome back, pizza!

 

Go Chase!

Amex Plat | Amex EDP|Amex PRG | Freedom U | Ink+ | Chase Reserve | Citi Prestige | Citi AA exec
Valued Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Congrats on your approval ,you have 80+ inq on exp or on all 3 combined?

Community Leader
Super Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Congrats!  Very generous limit of Chase with a welcome back.  Now trick is to stay in the garden for two years so you can get a legacy card of theirs.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's| US Bank | Fifth Third Bank | FNBO
Valued Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Congrats Pizza. That's awesome. 🍕
(Glad to know I'm not the only one with 80 Ex inq)
Chasex3/PenFedx3/NFCUx2/BofA/BMO/AMEX x5(4 revolvers +Platinum)/CapOnex2/DCU/Blispay/Cabelas/BBVA/Fifth Third/Banco de Brazil/BB&T/HSBC/Atira/Commerce Bank/State Farm Visa........I have them all. Except Barclays. They suck. And Sync. They suck worse! And Citi,, because I Have 9,000 Inq.
In the 520-530 range in 12/2015.... Currently EQ747/TU758/EX744
NFCU & PenFed are my best friends!!

In 3/2016 I had a $1800 fully secured CapOne QS. And that was it.. Current CL $247,000 (plus my auto and RV loans)
Regular Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Great news!!!  I so admire people with the courage to do the work and recon.  That's one thing I've never done.....Great job !!!!!  Great welcome back limit too!


Discover $11200, Amex BCE $15400, CapOne QS1 $6500,
BOA MC $4000 Merrick $2500, Fingerhut $2400, Citi Simp $900 Kohls $700, MEFCU Visa $1000 CapOne QS $1000
Fico 8 Scores as of 3/02/17: TU 704 1 INQ, EQ 705 5 INQ, EX 683 8 INQ
Almost 700 across the board!!!! I'm heading for the garden until 4/2018 at least.
Frequent Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Congrats!!

 
I burned them back in 2009 for about $5k and they instantly approved me for the Amazon Visa last month!! I was soooo excited, especially that first time I signed on to their website with my very own login information.  It was such a huge moment in my rebuilding so I completely understand where you are coming from.
 
I also have to wait 2 years to try for any of the main cards but....on a total whim I applied for the Chase Fairmont on Sunday and the approved me for that also, $5k SL!!!
 
The only reason I applied for that is because it is a card that is likely going away and the rumor is it might get PC'd to one of their other cards (Freedom etc).  I thought that may be away for me to get a "real" Chase card without waiting out the 5/24.  I was stunned when they approved me, especially since they pulled EXP which is, by far, my lowest score and worst report.  Numerous baddies that aren't on the other 2.  Not to mention a crap ton of inquiries and new accts.  
 
I'm still waiting on the "Oooops, you were approved my mistake" email to come.  Smiley Happy 
 
Anyway, YAY for the growing "Back in with Chase" crowd!!!!
Current FICO Scores as of 7/1/2017 EQ 735 TU 780 EX 725

NFCU CR $20,00 | USAA Rewards Visa Signature $12,000 | USAA Preferred Cash Rewards Visa Sig $10,000 | Walmart MC $10,000 | Wells Fargo Cash Wise $9,000 | Costco Anywhere Visa $8,500 | PenFed Rewards Visa Signature $6,000 | Chase SP $5,000 | Amazon Rewards Visa $3,000 | AMEX BCE $2,800 | Barclay Apple Rewards $960 | Capital One QS $3,750 | Discover IT $1,600 | Amazon $6,000 | J Crew $6,950 | Wayfair $3,600
Regular Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Pizza, Aren't you way over the 5/24 rule?

Citi TY MC (AU) $30,000 |Hilton Amex (AU) $29,000|USAA CR Amex $28,000 |Chase United $22,000|Nordstrom VS $20,000
PenFed Rwz VS $20,000 |Quick Silver $13,000 |Barclay Arrival $10,000 |BAC Cash Rwz $10,000|BBY Visa $10,000|PenFed LOC $10,000 |Jet Blue MC $9,000 | Lowes $12,000 | Care Credit $8,000 Discover It $6000 |Costco Visa $5,000 |Consumer CCU VS $5,000
NFCU Cash rwz $4,200 |State Farm Visa $4,000 | Marvel MC $1,500

Total Credit line $256,700 | FICO as of 03/26/2017 TU 678 |EQ 688 |EX 671
Frequent Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Congratulations!! You are grandmaster at recon!!May be you should spin off a thread on How to Reconsider like a champ😎
FICO 8: TU-787 EX-768 EQ-757 Total Credit Limit: $647,750
New Contributor

Re: OMG!!! Back w/ CHASE post BK! Amazon Visa!!!!

Congrats, I can't seem to get back with Chase as they are being mean to me and I dont want to please and begging them with recon. Good news is I just got back with Bank of America yesterday after I burn them and Chase awhile back. Chase still have a grudge on me 😥.