Reply
Regular Contributor
octavia
Posts: 125
Registered: ‎09-27-2007

Chase approved me by recon for Freedom card!!!! 2 BKs on TU

[ Edited ]

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!

 

Message Edited by octavia on 10-10-2008 09:33 AM
Message Edited by octavia on 10-13-2008 01:07 PM
Ficos: August 2009 EQ 713
July 2008 EQ 696, EX 726, TU 710
Ficos: April 2008, EQ 696, EX 721, TU 710
Ficos: January 2008, EQ 691, EX 715, TU 663
Regular Contributor
octavia
Posts: 125
Registered: ‎09-27-2007

Re: Chase just approved me by recon!!!! 2 BKs on TU

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)?

Ficos: August 2009 EQ 713
July 2008 EQ 696, EX 726, TU 710
Ficos: April 2008, EQ 696, EX 721, TU 710
Ficos: January 2008, EQ 691, EX 715, TU 663
Contributor
TerrenceATL
Posts: 80
Registered: ‎08-07-2008

Re: Chase just approved me by recon!!!! 2 BKs on TU

What number did you call. Any baddies other than BK?

6/1/2008 EQ -634
9/12/08 EX 691 * TU 689
10/02/08 EQ 677
11/11/08 TU 669 * EQ 668
1/15/09 EX 759 * EQ 788
9/24/09 EQ 761 * EX 729 (from NFCU loan app) * TU 666
Frequent Contributor
TangMeister
Posts: 456
Registered: ‎07-09-2008
0

Re: Chase just approved me by recon!!!! 2 BKs on TU

[ Edited ]

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.  :smileyvery-happy:

 

Edit:  Yes, wait on the BoA.

Message Edited by TangMeister on 10-10-2008 11:42 AM
Valued Contributor
stef37
Posts: 2,205
Registered: ‎12-06-2007

Re: Chase just approved me by recon!!!! 2 BKs on TU

Congrats Octavia!! :smileyhappy:
Regular Contributor
octavia
Posts: 125
Registered: ‎09-27-2007

Re: Chase just approved me by recon!!!! 2 BKs on TU

[ Edited ]

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.

 

 

Message Edited by octavia on 10-10-2008 12:51 PM
Ficos: August 2009 EQ 713
July 2008 EQ 696, EX 726, TU 710
Ficos: April 2008, EQ 696, EX 721, TU 710
Ficos: January 2008, EQ 691, EX 715, TU 663
Regular Contributor
octavia
Posts: 125
Registered: ‎09-27-2007
0

Re: Chase just approved me by recon!!!! 2 BKs on TU

I called (888) 245-0625 Credit Analyst-Recons
Ficos: August 2009 EQ 713
July 2008 EQ 696, EX 726, TU 710
Ficos: April 2008, EQ 696, EX 721, TU 710
Ficos: January 2008, EQ 691, EX 715, TU 663
Contributor
tatiana
Posts: 81
Registered: ‎10-04-2008
0

Re: Chase just approved me by recon!!!! 2 BKs on TU

Wow, congrats!  I have a Chase card and would like a CLI, but I'm terrified of taking the hard pull.  I don't want them to see the BK and plotz me.
-------------------------------------------------------------
FICO: TU 783/EQ 778/EX 776 (8/4/2014)
Closed on my new home in July, 2012!
Regular Contributor
octavia
Posts: 125
Registered: ‎09-27-2007
0

Re: Chase just approved me by recon!!!! 2 BKs on TU

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.

 

Ficos: August 2009 EQ 713
July 2008 EQ 696, EX 726, TU 710
Ficos: April 2008, EQ 696, EX 721, TU 710
Ficos: January 2008, EQ 691, EX 715, TU 663
Moderator Emerita
LilMirth
Posts: 3,091
Registered: ‎08-09-2008
0

Re: Chase just approved me by recon!!!! 2 BKs on TU

YAY!!! Congrats on that super successful recon! Absolutely awesome!

-------------------------------------------


Friendly, Supportive & Respectful


Understanding Your FICO Score  |  Credit Scoring 101  |  Common Abbreviations  |  FTC: FCRA Links  |  FTC: FDCPA Links  |  Opt-Out  |  State Resources


"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}