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01-17-2017 09:07 AM
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.
01-17-2017 09:21 AM
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.
01-17-2017 09:43 AM
01-17-2017 09:57 AM
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!
01-17-2017 10:09 AM
01-17-2017 10:12 AM
Pizza, Aren't you way over the 5/24 rule?
01-17-2017 10:21 AM
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