Credit Cards

[MountainHiker]

Want to restart a relationship with chase but not sure if they are as tough as American Express when it come to forgiving old debts.Any of you know of,or have experience with getting new credit with chase after having an unpaid collection? My 8 year old chase collection was for about $3K and has fallen off my credit report. Do I have a shot? Which chase card is the easiest to get?

[Crashem]

No idea.  They blacklist.  But people have gotten through

[MountainHiker]

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Crashem wrote:

No idea.  They blacklist.  But people have gotten through

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After reading which one card to have thread, I would really like to regain a chase card. Maybe explaining the health problems that caused my previous delinquint issues my help a bit. Will see!

[gettnthere]

Its Def. worth a shot! worst they can do is say NO and if you are blacklisted you won't have to waste a HP b/c they won't even do one.

[Crashem]

Chase recon process is generous.  Go for it.  And recon if denied.

[mschang]

if they deleted a CO would you still be blacklisted?

[MountainHiker]

Thanks gettnthere & crashem

Think I'm going to go for it.To get back in with Chase would be very helpful and to be honest I would really like to bank with them. Hope they are indeed forgiving and understanding about sickness.I don't think anyone wants to miss payments and certainly no one wants to be sick,but when it happens there should be some consideration and sympathy involved.But of course this is business. I'll wait till friday and hopefully by then my utilization may have been reported to the bureaus.That should put me at 3% utli.

[MountainHiker]

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mschang wrote:

if they deleted a CO would you still be blacklisted?

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That is a good question.I'm sure they would have internal records to help guage their approval systems.It has fallen off my credit report but the credit report might not be the only way a red flag is raised during processing. I think some people will slip through the cracks regardless.

[Crashem]

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MountainHiker wrote:

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mschang wrote:

if they deleted a CO would you still be blacklisted?

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That is a good question.I'm sure they would have internal records to help guage their approval systems.It has fallen off my credit report but the credit report might not be the only way a red flag is raised during processing. I think some people will slip through the cracks regardless.

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it has nothing to do with credit report.  Blacklisting is an internal thing.  That's why you don't even get an inquiry if you are on their blacklist.  Ie they check blacklist and reject you.

[masscredit]

I've been looking into Chase recently. Had a balance of $81k with them when I filed for BK in '09. I might put an application through and see if they throw darts at my picture.