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Contributor
TexCredit
Posts: 75
Registered: ‎03-04-2008
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Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????

Can someone who has applied with Chase recently, that had a BK and got approved (most likely on Recon) tell me how they are filling out the application on line?  At the top of every app I've looked at for every card they have, it asks;
 
"Before completing the app, you should be able to answer Yes to the following statements"
 
!. Yes, my credit history is clear of bankruptcy"
 
And there are two others, but how are you all applying when you have a BK on your credit report?
 
Inquiring minds want to know!  :smileytongue:
Life is a gamble. Get out there, roll the dice and see what happens. You can't win if you don't play!
Moderator Emeritus
psychic
Posts: 1,518
Registered: ‎04-20-2007
0

Re: Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????

[ Edited ]


TexCredit wrote:
Can someone who has applied with Chase recently, that had a BK and got approved (most likely on Recon) tell me how they are filling out the application on line?  At the top of every app I've looked at for every card they have, it asks;
 
"Before completing the app, you should be able to answer Yes to the following statements"
 
!. Yes, my credit history is clear of bankruptcy"
 
And there are two others, but how are you all applying when you have a BK on your credit report?
 
Inquiring minds want to know!  :smileytongue:


I don't know how to handle the online application with a BK.  This topic was very briefly discussed in a 1/15/08 post by Brammy:
 
 
I never found the "previous thread" mentioned in this particular post. 
 
 
Here is a more recent thread, concerning approval after a recon:
 




Message Edited by psychic on 05-20-2008 09:17 AM
EQ 814 / TU 815 / EX 842
Valued Contributor
casinoannie97
Posts: 1,986
Registered: ‎08-17-2007
0

Re: Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????

I want to get an ASPCA cc as I donate a lot to them and CHASE gives them 75.00 for each cc issued.   I can't get by that first question about BK. Sooooooooo I called the recon number and asked.  She said to answer truthful about BK (it's 8-1/2 years old) and they always call you to ask about the circumstances before denials.  Depends on what you have done since.  I thought that was encouraging.
Does anyone know who they pull in CT?
Contributor
FICOfit
Posts: 83
Registered: ‎06-12-2007
0

Re: Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????

I just got a Chase Subaru card.  I don't have a BK, but one of the other questions they ask is if you've been denied credit by Chase in the past six months.  I had been denied, but since then, my score jumped up.  I reapplied and got the card.  At first I got the standard 5-7 days notice, but I called the approval line about 3 days later and found out I was approved.
 
I think they just ask those questions so they know what to research.
05/19/08 TU: 703 EQ:717 EX:710

05/08 TU:660 EQ:710 EX:621
04/08 TU:654 EQ:671 EX:618
3/08 TU:608 EQ:624 EX:623
11/07 TU:564 EQ:555 EX: 560
Goal: 700 club by Dec 2008. Can it be done? Heck yeah!! It's done, let's keep it that way!
Valued Contributor
casinoannie97
Posts: 1,986
Registered: ‎08-17-2007
0

Re: Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????

wtg!! who did they pull?
Super Contributor
MidnightVoice
Posts: 8,157
Registered: ‎03-25-2007
0

Re: Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????



casinoannie97 wrote:
wtg!! who did they pull?


Chase always pulls EQ for me in Iowa.  But there was a thread about CCCs starting to rotate through the CRAs

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Contributor
FICOfit
Posts: 83
Registered: ‎06-12-2007
0

Re: Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????

I'm in CO and they pulled EX....my worst (well, when they pulled)
05/19/08 TU: 703 EQ:717 EX:710

05/08 TU:660 EQ:710 EX:621
04/08 TU:654 EQ:671 EX:618
3/08 TU:608 EQ:624 EX:623
11/07 TU:564 EQ:555 EX: 560
Goal: 700 club by Dec 2008. Can it be done? Heck yeah!! It's done, let's keep it that way!
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
0

Re: Chase Apps - Always Asks If You Have a BK, But People With BK's Getting Approved?????

I applied for the Visa Platinum last year with a 7 yo BK7. They gave me 5K with 674 EX. Might have been a group of car inqs left reporting so maybe they counted as one. They were included in my BK BTW. Not much a couple thousand bucks. Applied for a Chase Freedom back in October 2007 and was declined for the BK. I imagine they are willing to give me the 5K now but nothing else. I have about a year of payment history with them currently. Maybe they will grow with me and maybe not. I still think they are a prime issuer just wish the limit was higher not that I need it. :smileyhappy:

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