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Chase travel cards and BK?

Valued Contributor

Chase travel cards and BK?

Because of the way I travel the Chase-backed Marriott and Southwest cards would be very useful to me.  I'm over three years from Chapter 7 and did not discharge any Chase debt.  I really don't want to waste a hard inquiry.

 

At the very beginning of their application a question is asked, "Is your credit history clear from bankruptcies and/or seriously delinquent accounts?"

 
I'm over three years from Chapter 7 and did not discharge any Chase debt.  I really don't want to waste a hard inquiry.  Does anyone have actual experience getting one of these cards in my situation?

 

 

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 1 of 8
7 REPLIES
Valued Contributor

Re: Chase travel cards and BK?

I got a United card 6 years post BK.  You'll likely need to recon though.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 2 of 8
Regular Contributor

Re: Chase travel cards and BK?

I opened a Chase Southwest Visa in July, 9 years after Chapter 7 BK. I had to recon to get the approval.

 

Good luck

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Message 3 of 8
Valued Contributor

Re: Chase travel cards and BK?

Thanks for the feedback, any ideas how old the BK needs to be to get through recon?

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 4 of 8
Highlighted
Frequent Contributor

Re: Chase travel cards and BK?

I am in a similar situation with you....however the BK is the real concern....from what I have read through these forums Chase is not BK friendly and I have not been willing to risk the inquiry. I have decided I would stay away from Chase until my BK is around the 7 year mark. I have had luck with Discover and Barclays and will look into some of the GECRB credit cards.


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 5 of 8
New Contributor

Re: Chase travel cards and BK?

How soon did you get a Discover post CH7?
Message 6 of 8
Frequent Contributor

Re: Chase travel cards and BK?

I suggest not wasting the HP. 3 years is way to short for Chase. Visit the BK thread for an excellent selection of BK friendly creditors. Have you re-established credit since your discharge or are you looking to start? 

 

If you are already re-established, a Barclays will likely approve you for priceline, but be prepared to recon. Discover is a little more YMMV with some successful apps at about the 4 year mark with solid history post discharge. 


Starting Score: 501
Current Score: 754 EQ,TU 745,EX 750
Goal Score: 800

Message 7 of 8
Valued Contributor

Re: Chase travel cards and BK?

Thanks for all the replies.  I've seen the comments about Chase not being BK friendly, and I have adequate unsecured credit (NFCU Visa, MC, Navcheck; FTCU VISA, BBRZ, Walmart Discover GECRB).  So I think I'll wait to season the BK at least another year and get my scores into the 700s before I think about applying.

 

Because I fly Southwest there's a feature on that card that appeals to me, the ability to use points for things other than airfare.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
Take the FICO Fitness Challenge
Message 8 of 8