In 2007 when I had gotten laid off, I ended up late on my Chase auto loan ... the customer service allowed me to make two payments that month, but the collections department tried to repo. I was going to be late again a few months later, and simply decided I could not keep the payment with the current situation and let them repo it. Later, they had a garnishment on my paycheck until I paid enough that they released me. Recently it fell off my credit report.
So... a few days ago I checked the Chase preapproval site, they said 'Sorry, no offers for you'.
Then I get an invitation in the mail for the Freedom Unlimited. I wasn't going to apply - I know Chase doesn't forgive easily. PLUS I am over the 5/24, I am at like 10/24.
Since I don't really need more cards to reach my goal at this point... I figured why not take one more hit and just see what happens (I have six inquiries on both TU and EQ). They approved me!!! LOL!!! It's only a 700.00 limit... but, that's okay. I never expected it.
My CK scores are 693/692. They also asked if any collections show on my credit report... which I have one that shows on one report, but not the others... so I answered no, hoping they pulled from TU or EX.... guess they did!
Maybe it will give me a chance to repair more of the damage done .... at least I'm in... 
So.... there is hope to get back in with Chase after a bad experience. I never thought I would.
Thats awesome!!
I was approved a few months back for both Slate and Freedom and had lower scores but I currently bank with them. I was surprised to have the preapprovals on the site.
Do you currently bank with Chase? If so, they may had taken that into consideration since I as well was way over the 5/24 rule with over 20 inquires on each bureau.
They had approved me with Slate for $1500 and Freedom $2000.
