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10-10-2008 09:32 AM - edited 10-13-2008 01:07 PM
I opened a checking/savings account at Chase bank on 9/26/08. Applied for the Chase Visa Platinum card and recieved a denial letter the other day.
Just called a few minutes ago, explained why I filed bankruptcy; the rep verified my HHI, addy, etc. Then she put me on hold and came back and approved me for $2,000.00. Yay!!!
My first prime card since BK-04(no baddies since). Actually 2 BKs on my TU report. Go figure!
10-10-2008 10:32 AM
I explained to her that I have 3 subprime cards and I want a shot at a prime bank card. She said she noticed that my revolving balances are low and after a while that I can call in to ask for a credit increase.
I was so thankful to her for giving me a chance.
Now, I will SD Credit One! I will only use it to pay for SW every month. Next up for SD, Orchard Bank.
Should I wait for Chase to start reporting maybe 6 months or so before I try for BOA (unsecured)?
10-10-2008 11:34 AM
What number did you call. Any baddies other than BK?
10-10-2008 11:41 AM - edited 10-10-2008 11:42 AM
Big congrats on the Chase card. Do you realize how rare it is for Chase to do that? I wouldn't even dream of going for a BoA card right now. I'd treat that Chase card with the loving care of a newborn baby...well, actually, I'd use it extensively, PIF it monthly, and show them some serious usage LUV.
I think you just gave a whole bunch of WaMU card holders out there hope.
Edit: Yes, wait on the BoA.
10-10-2008 12:50 PM - edited 10-10-2008 12:51 PM
Thanks everyone. Everything I've disputed and got deleted is because of this forum. I wouldn't have known where to begin in repairing my credit.
I was surprised myself when she returned and said that she recommended me for $2,000 CL.
Terence- I have only 2 bks showing on TU. No other baddies/lates or IIB accts. My last bk was filed in 2004. The analyst asked why did i file bk. I was nervous but straightforward. I only explained about 1 bk she didn't ask about the other bk. Call duration was less than 10 minutes total.
10-10-2008 01:14 PM
10-13-2008 01:19 PM
UPDATE: Just checked my Chase online accounts and there it was CHASE FREEDOM $2,000 CL, 14.99% on purchases (don't matter, I always PIF every month).
I totally thought I was gonna get the Platinum Visa Signature card. The analyst asked if that's that's the one I applied for I told her yes. So a Freedom Card was totally unexpected.
This will be my very first rewards cc ever. I only have their debit rewards card.
I'm ecstatic!!!!! Will be waiting for it in the mail.
10-13-2008 01:31 PM
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