CSP Approval Odds

[NYFan63]

I am looking to get back into Chase after my BK7 DC'd Jan 2010. I did burn them in my BK. Has anyone been approved with a BK7. I have no baddies since my BK and have built my credit profile. Income is $141k.

Thanks in advance.

[Anonymous]

How much did you burn them for?

[NYFan63]

Hmmm I think it was 2-3 cards for about $10-$15k total

[Anonymous]

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@NYFan63 wrote:
Hmmm I think it was 2-3 cards for about $10-$15k total

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Ok.  How long did you have the cards for before BK.  And since  2010, have you tested the waters?  If so, what was the result?.

[NYFan63]

If memory serves me correctly I had the cards probably daring back to 2004/2005. I have tested the waters prob about 3-4 years ago and was denied. I also have checked pre approvals and never get any.

[Anonymous]

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@NYFan63 wrote:
If memory serves me correctly I had the cards probably daring back to 2004/2005. I have tested the waters prob about 3-4 years ago and was denied. I also have checked pre approvals and never get any.

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Ok.  I think you should wait it out a bit more.  That amount you burn then for is a bit high unfortunately.

[NYFan63]

Thanks Yes - I was thinking the same

[Anonymous]

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@NYFan63 wrote:
Thanks Yes - I was thinking the same

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Good.  Time will be the difference maker here as you have tested the waters and are still getting denied.  Hang in there..

[msm859]

If you filed BK in 8/09 it has been 7 years which means all the negative stuff should have fallen off except for the public record of the BK.  You should maximize your score - only 1 account showing less then 10% utilization - the rest zero - and then give it a try - also assuming you have not opened up more then 4 new accounts in the last 2 years.  You will then find out if Chase has black marked you for including them in your BK.