Hey guys and girls...
I want to try and go for the CSP card next year....I burned chase in my BK 7 that is 7.5 yrs old,for about 3000....i have about 4 accounts with 5 k limits....i will have about 4 inq on EQ with about 699 score....about a AAOA of about 5 yrs....
any suggestions witn trying to make things right with chase?
this is the only other card in my sights....any help would be great
I just applied and got declined for CSP yesterday. You can read the thread I started on it. I have a BK 7 on my report that is 9 yrs and 4 months old. Never did business with Chase before so they weren't included in my BK. the issue was the BK and that I don't have any cards with a $5000 limit. I just reapplied for the Freedom but was declined for the same reasons but did a recon and the rep recommended approval but it has to go to another department for final review and I will get a final answer on Monday.
I'm not sure given you burned them in BK. Maybe someone else will come along that has accomplished what you are trying to do and give you advice. You do meet the $5000 prerequisite for the card though so it is possible I think.
I'm not sure given you burned them in BK. Maybe someone else will come along that has accomplished what you are trying to do and give you advice. You do meet the $5000 prerequisite for the card though so it is possible I think.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13!
@MovingForward_2012 wrote:
I just applied and got declined for CSP yesterday. You can read the thread I started on it. I have a BK 7 on my report that is 9 yrs and 4 months old. Never did business with Chase before so they weren't included in my BK. the issue was the BK and that I don't have any cards with a $5000 limit. I just reapplied for the Freedom but was declined for the same reasons but did a recon and the rep recommended approval but it has to go to another department for final review and I will get a final answer on Monday.
I'm not sure given you burned them in BK. Maybe someone else will come along that has accomplished what you are trying to do and give you advice. You do meet the $5000 prerequisite for the card though so it is possible I think.
Yeah...thts what i was afraid of but i wanted to know how i can get intouch with them to try and resolve the burnt account
After you apply and if you get declined they will give you the number to the loan department and they can immediately recon for you. At that time they will ask you to explain why it happened. Is the $3000 from Chase that you included in Bankruptcy showing up on your credit report anywhere?
The Freedom is a little easier to get approved for so you can start there and convert after they see your worthiness. Just another suggestion. That is the road I plan to take if I get final approval on Monday.
I don't know how forgiving Chase is. American Honda finance was very forgiving because 10 years ago I filed a 7 on the auto loan they gave me, reaffirmed the debt but then ended up surrendering the vehicle. Just last month Acura approved me for tier 1 lease financing and I had received a letter in the mail saying, "welcome back to our family". So they remembered what happened, forgave me, and gave me a 2nd chance. Good luck! I think it is possible. How long have you been managing your credit lines?
I don't know how forgiving Chase is. American Honda finance was very forgiving because 10 years ago I filed a 7 on the auto loan they gave me, reaffirmed the debt but then ended up surrendering the vehicle. Just last month Acura approved me for tier 1 lease financing and I had received a letter in the mail saying, "welcome back to our family". So they remembered what happened, forgave me, and gave me a 2nd chance. Good luck! I think it is possible. How long have you been managing your credit lines?
@MovingForward_2012 wrote:
I just applied and got declined for CSP yesterday. You can read the thread I started on it. I have a BK 7 on my report that is 9 yrs and 4 months old. Never did business with Chase before so they weren't included in my BK. the issue was the BK and that I don't have any cards with a $5000 limit. I just reapplied for the Freedom but was declined for the same reasons but did a recon and the rep recommended approval but it has to go to another department for final review and I will get a final answer on Monday.
I'm not sure given you burned them in BK. Maybe someone else will come along that has accomplished what you are trying to do and give you advice. You do meet the $5000 prerequisite for the card though so it is possible I think.
moving forward.....did you get your answer
