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Applying for Chase with seriously delinquent accounts

Frequent Contributor

Applying for Chase with seriously delinquent accounts

I would like to apply for Chase Slate to take advantage of the BT.  However, I have a deed in lieu dated March 2009.  I did however, just closed on a home (3.375%) and a car loan recently (3.99%).  Should I go ahead  and apply, or wait 4 more years with Chase? 


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 1 of 12
11 REPLIES
Moderator Emeritus

Re: Applying for Chase with seriously delinquent accounts

Would cost you a HP to find out.  If you have nothing else waiting in the wings, why not give it a try?

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 12
Frequent Contributor

Re: Applying for Chase with seriously delinquent accounts

Ok, I just applied.  From the website:

 

Thank you for applying. Your application requires further review before making a decision.

 

Should I call the back-door number?


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 3 of 12
Established Contributor

Re: Applying for Chase with seriously delinquent accounts


birjest wrote:

Ok, I just applied.  From the website:

 

Thank you for applying. Your application requires further review before making a decision.

 

Should I call the back-door number?


Hell Yeah.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 4 of 12
Frequent Contributor

Re: Applying for Chase with seriously delinquent accounts

OK, I was denied due to my deed in lieu, which was dated March 2009.  But I was able to close on a house and car loan???


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 5 of 12
Regular Contributor

Re: Applying for Chase with seriously delinquent accounts


birjest wrote:

OK, I was denied due to my deed in lieu, which was dated March 2009.  But I was able to close on a house and car loan???


The life of credit is funny my friend..

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 6 of 12
Highlighted
Frequent Contributor

Re: Applying for Chase with seriously delinquent accounts

lol, tell me about it.


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 7 of 12
Frequent Contributor

Re: Applying for Chase with seriously delinquent accounts


birjest wrote:

OK, I was denied due to my deed in lieu, which was dated March 2009.  But I was able to close on a house and car loan???


My thought on this is... the car and the house are secured loans...you don't pay, they take them back.  A credit card, on the other hand, is unsecured debt.  The lender wouldn't have anything to take back! 

 

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 8 of 12
Frequent Contributor

Re: Applying for Chase with seriously delinquent accounts

Ok, would you believe they gave me a recon and approval of........................$400.00!!!   Smiley Surprised  Chase want me to establish a history with them.  Go figure......Oh, credit seekers can't be choosy.  I am cool with that.  Not to mention, I was approved 2 weeks ago with an AMEX True Reward as well.


5/30/15 EQ 596; TU 605; EX 580.
10/17/16 EQ 632; TU 656; EX 647
Message 9 of 12
Frequent Contributor

Re: Applying for Chase with seriously delinquent accounts

ahhh... well treat it well, and soon maybe they'll take off the training wheels.  But seriously, good on ya .. you have a starter card with a major player.

Back in the garden!
App free since 23Oct2012 reset to 27Aug13 and reset again 4nov13
Message 10 of 12