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@Open123 wrote:I'm really curious how issuers decide whom they will forgive on prior bad debts. I know they do forgive a portion. I wonder if it's based on time, amount, some other data or if some they've just lost the records.
Any insights?
I'm sure it's all of the above, but suspect the notional amount is given a lot of weight. If someone screwed me out of $7,000, I would never loan them money again either.
I'm rehashing one of my old threads.
I just submitted another application for the card.
I received the 30 day notice on the web app, and when I called the app status line I was given a 7 to 10 days notice, with a commentary that the app is currently under review. Let's see how long this blacklist will go....
@Burned2manybridgesB4 wrote:I'm rehashing one of my old threads.
I just submitted another application for the card.
I received the 30 day notice on the web app, and when I called the app status line I was given a 7 to 10 days notice, with a commentary that the app is currently under review. Let's see how long this blacklist will go....
Sorry to hear about the blacklist with Chase
Best of luck on the new app! Banks can and should chose their own risk profiles. But I don't think it's right that they continue to blacklist after over a decade. The intent of a a BK is to have a fresh start. I can understand shorter term blacklists, or a permanant blacklist if they were burned more than once. Even Chase makes mistakes. I'm sure every taxpayer here remembers TARP (which they did pay back).
I left Chase a few years ago and switched to a CU. Only recently did I add a couple of cards.
I'm SURE you are much better off without them.
@sailor_mercury wrote:
@Burned2manybridgesB4 wrote:I'm rehashing one of my old threads.
I just submitted another application for the card.
I received the 30 day notice on the web app, and when I called the app status line I was given a 7 to 10 days notice, with a commentary that the app is currently under review. Let's see how long this blacklist will go....
Sorry to hear about the blacklist with Chase
Best of luck on the new app! Banks can and should chose their own risk profiles. But I don't think it's right that they continue to blacklist after over a decade. The intent of a a BK is to have a fresh start. I can understand shorter term blacklists, or a permanant blacklist if they were burned more than once. Even Chase makes mistakes. I'm sure every taxpayer here remembers TARP (which they did pay back).
I left Chase a few years ago and switched to a CU. Only recently did I add a couple of cards.
I'm SURE you are much better off without them.
Why not?
@Burned2manybridgesB4 wrote:I'm rehashing one of my old threads.
I just submitted another application for the card.
I received the 30 day notice on the web app, and when I called the app status line I was given a 7 to 10 days notice, with a commentary that the app is currently under review. Let's see how long this blacklist will go....
GL
I burned them for $1200 and $7500 (Providian Card which WaMu took over which Chase over) in 2006 both CO's......I got approved yesterday for 11k! I'm back with CHASE!!! Instant approval. I had the recon guy on the phone holding my hand and he said see, you didn't even need my help!!! I hope you get back with Chase OP! Good Luck!!!
@Burned2manybridgesB4 wrote:I'm rehashing one of my old threads.
I just submitted another application for the card.
I received the 30 day notice on the web app, and when I called the app status line I was given a 7 to 10 days notice, with a commentary that the app is currently under review. Let's see how long this blacklist will go....
This is CRAZY!!!!
im shocked they hold a grudge so long. Even Amex eventually forgives.
Let us know how this turns out this time. Freedom card again?