10-19-2013 03:11 PM
So probably a bad idea but I find I've been using Amazon a lot and hit the button to apply while checking out. I see others mention GE for Amazon but Chase is the card issuer. They didn't have the usual bankruptcy language they have on their travel products, so I took a shot and was denied for BK. My BK was in 2009, EQ FICO is 695 (Scorewatch), and I didn't discharge any Chase debt.
I'm wondering if it's worth trying for recon, and whether anyone would be so kind as to PM me a current backdoor number. Thanks...
10-19-2013 03:21 PM
10-19-2013 05:04 PM
10-19-2013 05:55 PM
Can't hurt to call, but my experience is different than the other poster. I reconed a $3k Chase Freedom for higher CL and they wouldn't budge. I also tried to recon a $5k Slate for higher CL and they wouldn't budge. My experience is that they give you (or don't give you) what you qualify for. Period. IME, they are a more conservative lender and even though you didn't see the BK language, that's probably their policy.
I'd definitely give it a shot since you took the HP, but don't feel bad if you don't get it. They're not my favorite lender, for sure!
10-20-2013 08:52 AM - edited 10-20-2013 08:56 AM
Got my Chase Freedom on recon. I think it's been said a number of times around here, but it really depends on who you talk to when you call. The girl I got on my last recon sounded younger and was really nice and I think she kind of went to bat for me. She put me on hold for probably 5 min, came back on the line and apologized and said she was making a lot of notes- then approved. I had reconned a few months earlier and got an older lady that pretty much scoffed at me and said no way, lol. They'll just ask you about your BK if that was the reason for the denial, so make sure you have your speech all worked out.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.