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@toothgrind3r wrote:
@Anonymous wrote:
Why not just apply and see what happens? No one here will be able to give accurate answers anyway.Lots of people on this board are very educated when it comes to credit card lenders. Lots of people on this board know a lot more then I do about this stuff.
Lots of people on here can give extremely accurate answers on a lot of credit card topics.
I have seen people say "if there is a hard pull, you're not on their blacklist".
This thread was to see if I could get a little more clarification on that.
I think we've all come to the conclusion that YMMV.
I didn't want to "apply and see what happens"...I wanted to get more information before I apply. At this point in my credit card life I would rather not go throwing hard pulls around willy nilly.
*I edited this post because my reply sounded rude when I wasn't trying to be*
I've cards with all the popular banks mentioned here, above 770 FICO scores, 50 inquiries on each report, and still getting approved for cards like my recent CSR. I think I have credibility when I say no one will be able to give you an accurate answer for the situation you're in. You're just going to have to test with a hard pull to confirm or deny the advice people have given you. And since you're not going to initiate the hardpull because of whatever fear, all the advice given to you so far is pretty much just theory.
@toothgrind3r wrote:Not sure if this is the right place to post this or not...and I did do a search and found some threads that kind of answer my question, but not completely. (and they were old and didn't allow me to revive it)
Anyway, I burned Chase for about $1500 way back when and it went to collections. Ended up paying collection for less then full amount.
Fast forward to a few months ago, and all my reports are clean, with Chase/Collection the last to fall off of Experian.
Now, I have read that if you are in fact blacklisted by Chase, when applying for a credit card they will NOT pull your report. Before I new any better, I had applied for the Freedom a few years back, and I was obviously denied, but I know that I DID get an inquiry on my Experian report from them.
So would it be safe to say that I am in fact not blacklisted? And now with my scores, clean report, and other cards (good ones too...Amex, Prestige, etc, multiple cards over $20,000 limit), i could have a decent chance getting back in with them?
Basically, I am okay getting denied if they don't like something about my report. But I don't want to waste a HP if they still pull even if I'm blacklisted.
Here are some data points Ive gathered:
It seems like you would be a good candidate for a card. Based on the stated cards you have, I would think youre a good candidate for the Sapphire Reserve.
I think you should go ahead and apply.
Keep us posted.
@Anonymous wrote:
@toothgrind3r wrote:
@Anonymous wrote:
Why not just apply and see what happens? No one here will be able to give accurate answers anyway.Lots of people on this board are very educated when it comes to credit card lenders. Lots of people on this board know a lot more then I do about this stuff.
Lots of people on here can give extremely accurate answers on a lot of credit card topics.
I have seen people say "if there is a hard pull, you're not on their blacklist".
This thread was to see if I could get a little more clarification on that.
I think we've all come to the conclusion that YMMV.
I didn't want to "apply and see what happens"...I wanted to get more information before I apply. At this point in my credit card life I would rather not go throwing hard pulls around willy nilly.
*I edited this post because my reply sounded rude when I wasn't trying to be*
I've cards with all the popular banks mentioned here, above 770 FICO scores, 50 inquiries on each report, and still getting approved for cards like my recent CSR. I think I have credibility when I say no one will be able to give you an accurate answer for the situation you're in. You're just going to have to test with a hard pull to confirm or deny the advice people have given you. And since you're not going to initiate the hardpull because of whatever fear, all the advice given to you so far is pretty much just theory.
Thank you for not reading a word I said anywhere in this thread. Very helpful.
OP I think the wind up is that you'll just have to apply and see what happens. Nobody can really answer this for you.
@kdm31091 wrote:OP I think the wind up is that you'll just have to apply and see what happens. Nobody can really answer this for you.
I know, I've come to that conclusion a while ago. What I don't like is getting heat for trying to make an educated decision on credit matters. There are some things in this world that have hard set rules, like the Anex 3x CLI rule for instance. I thought this might be one of those from some of the information I've read here. That's all I was doing here. I relized very early on in this thread that it is a YMMV situation. I apologize for being rude to others.
Thank you.
A hard pull isn't going to have significant impact if your profile is in good shape. Don't just obsess over HP's. Obsess over the major factors. I'm not saying ignore the smaller factors. Certainly consider them.
@toothgrind3r wrote:There are some things in this world that have hard set rules, like the Anex 3x CLI rule for instance.
Even that's not hard set like you're assuming. Originally requests over 3x were denied. Now they counter offer if one qualifies for less. There was a point where they were denying requests for new accounts prior to 60 days. Then they were approving some requests prior to 60 including some on day of application. Now they seem to be back to 60 days. The $25K/$35K income verification threshold isn't hard set either. Some run into it. Others do not.
A few disclaimers about me before I add my input: not a major contributor, long time reader of various posts, mortgage score of 761.
I had my first Chase account in 1991. It was a Chase Manhatten Visa. At the time it had a $1000 limit. By 1996 it had a $7000 credit limit which I maxed, and it made its way into collections. It was sold to a few collection agencies, but avoided and never paid and never went anywhere but a bunch of letters and phone calls. It took about 12 years to get past this, meaning for it it drop off CR.
I was approved for a Washington Mutual Card in 2007 with a 1500 CL. My score probably was in the high 500s at this time. The account was purchased by Chase in 2010. They closed the account. The reason was derogatory remarks on CR.
Fast forward to 2016: approved for CSP with $16000 CL. I called in to verify change of address recently and the CR thanked me for being a long time customer. I had totally forgotten about the WaMu that was closed yet paid in full.
Take the information for what it's worth to you. Just as others have stated each portfolio is unique as the person who created it.
Best in what ever you decide to do!
Chase has a long ass memory. Whether BL'ed or not, you'll always get HP'ed anytime you apply... simple and short
Chase has a long a** memory. Whether BL'ed or not, you'll always get HP'ed anytime you apply... simple and short