Credit Cards Center Credit cards from our partners
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009

Re: Does Chase blacklist people? If so, how long

mgs2010 wrote:

lol wow. ok ur taking it wayy too far here. seriously... I was a credit analyst doing my job and enforcing the policies. If you know who that big head-hancho guy is then ask him why all of the credit card applications ask you to clearly confirm that you HAVE NEVER FILED BANKRUPTCY BEFORE. end of discussion.

Not actually.


All Chase credit card applications specifically ask applicants to verify:


  • My personal credit history is clear of bankruptcies.

    This statement does not mean have you ever filed BK.  It simply means does BK appear on your credit report now.


    Big difference.

    Regular Contributor
    Posts: 185
    Registered: ‎07-26-2009

    Re: Does Chase blacklist people? If so, how long

    [ Edited ]
    Established Contributor
    Posts: 683
    Registered: ‎04-05-2008

    Re: Does Chase blacklist people? If so, how long


    mgs2010 wrote:

    and to answer ur question, if you include an account in BK with them but you pay it back anyways then ur not on their black list for that necessarily, but keep in mind that chase is not bk you would probably need to wait until after it is no longer reporting on ur credit, for a credit card that is. Auto loans and mortgages use a different method for approval than credit cards.

    Chase is a client of ours so I already knew they weren't BK-friendly.  I was very surprised that they didn't automatically close my CC when they bought out WaMu.  I figured I slipped through the cracks because I had paid off the auto loan.  It's no longer showing on my CRs, but I'm not interested in applying for a new CC with Chase anyway.  My Freedom does have the cash back rewards (just not the bonus categories) and I've earned some good cash by shopping the Ultimate Rewards Mall (I think that's the name of it).  Again, thanx for the helpful information.  Much appreciated!


    Starting Score: TU 723, EQ 708
    Current Score: TU 796, EQ 743
    Goal Score: TU 800, EQ 800

    Take the FICO Fitness Challenge

    Starting Score: 708
    Current Score: 743
    Goal Score: 800

    Take the FICO Fitness Challenge

    Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

    Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
    † Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

    Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

    IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

    FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.