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Established Contributor
Posts: 638
Registered: ‎09-18-2011
0

Does Chase blacklist?

 

About 7-8 years ago, I used to have a providian visa account with a credit limit of $1500.

 

Due to unfortunate circumstances, i couldnt pay the balance and it went to a collection agency.  It is no longer listed on my credit report.

 

I have been working on rebuliding my credit for the past few years.

 

I currently have BOA Cash rewards  --- $3000 CL, US Bank Cash+ ---- $5000 CL, Capital one Platinum (rebuilder card) - $750 .

 

I would like to add chase to my list of credit cards. Wondering if my past problems with providian will limit my chances with Chase.

 

Does any one know if Chase blacklists if you have burned them(or providian) in the past?

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
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Re: Does Chase blacklist?

for a charge off that old probably not, even if they do you shouldn't get a hard inquiry if your blacklisted in most cases. but Chase is usually good with goodwill requests and only TRULY blacklists if you try to cheat them intentionally like manipulating the rewards system.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
Posts: 428
Registered: ‎01-21-2012
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Re: Does Chase blacklist?

I do not believe they do. I have a BK with Chase included 4 years ago and they approved me for a Slate card last month.

WF Home Projects Visa $8500 / Towpath CU Visa $7000 / Chase Freedom Visa $5500 / Cap 1 QS Visa Sig $5000 / Barclaycard Ring MC $5000 / GE Lowes $5000 / Citi Best Buy MC $4250 / Barclaycard Rewards Visa $4000 / BFG CU Visa $3500 / Citi Sears$3000 / WF Visa $2000 / GE Walmart $1900 / GE Care Credit $1900 / GE Amazon $1400 / Cap 1 Kohls $1000 / GE Old Navy $800 / Webbank Fingerhut $700
Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
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Re: Does Chase blacklist?

They do for 10 years. If you are on the black list and get denied it will be a soft pull. Been there and done that. I am more responsible now.

 

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Established Contributor
Posts: 638
Registered: ‎09-18-2011
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Re: Does Chase blacklist?

Thanks for the tips friends.

 

Does chase offer secure credit card? If they do, I wouldnt mind going that direction.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
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Re: Does Chase blacklist?


tennisfan78 wrote:

Thanks for the tips friends.

 

Does chase offer secure credit card? If they do, I wouldnt mind going that direction.


no they dont.  they have the liquid but thats a prepaid card

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
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scores 8/14 767 760 758 Boom! finally in the 700 club
Established Contributor
Posts: 638
Registered: ‎09-18-2011
0

Re: Does Chase blacklist?

okay, Thanks!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Established Contributor
Posts: 651
Registered: ‎08-07-2012
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Re: Does Chase blacklist?

[ Edited ]

Only way to know for sure is to app for a card with them. I have a unpaid chase card and 8 years later they were kind enough to give me another chance.They did mention my previous unpaid card and I had to explain why I did not pay that bill. It took calling chase at least 4 attempts before finding a customer rep that was cool enough to open an account for me.My starting limit is only $500 but the opportunity to built is now possible. Try hard and much is possible.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Established Contributor
Posts: 541
Registered: ‎12-02-2011
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Re: Does Chase blacklist?

YES
Established Member
Posts: 15
Registered: ‎01-15-2011
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Re: Does Chase blacklist?

I applied for a Freedom card last week.  Called a couple days after applying, denied for an old charge off from '99!

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