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Super Contributor
Posts: 6,065
Registered: ‎06-05-2013
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Re: Testing Chase waters again...

@credittothemax At what point during your attempts to obtain a freedom card did you obtain the BCE card and how long was your credit history at the time? I got the freedom card, but Chase gave me a hard time on not having a long enough history with revolvers for CSP. What was your initial BCE limit?

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 826 4/16/17, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
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Re: Testing Chase waters again...

Good luck OP. Did you pay back the $7,000 to Chase?

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
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Re: Testing Chase waters again...

My last app for chase was in January, but I was approved for amex green and discover it at that time. Then, I app for the BCE in march and was approved for 2k and I just got a CLI to 3600 last month. I do want to mention that my CR had a much of falsely reported accounts that wasn't my that I had to correct in January. I had to recon with the new report because all my apps were denied. Chase was the only one who still denied me for thin credit profile.
$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Established Contributor
Posts: 574
Registered: ‎06-04-2012
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Re: Testing Chase waters again...


Burned2manybridgesB4 wrote:
Three months later: I'm trying again..

You're my hero!  I've got a CO with Chase about the same age as yours and was denied 12/2012...  so thanks for your efforts.

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
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Re: Testing Chase waters again...

[ Edited ]

@ Bribo: Nope. That was the big "bk 7." Don't need their card that bad, if they want me to go that route.

 

*edit: I'm calling recon now.

Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
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Re: Testing Chase waters again...

....and it's a BIGGER NOOOOO!!! Smiley Very Happy

 

Aw hell....I quit with them.

Super Contributor
Posts: 6,236
Registered: ‎02-23-2011
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Re: Testing Chase waters again...

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?

Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
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Re: Testing Chase waters again...

For my case, it's the amount I burned them for. They even quoted it.Smiley Frustrated

Frequent Contributor
Posts: 291
Registered: ‎03-17-2011
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Re: Testing Chase waters again...

Burned: Are you just talking to CSR's or are you contacting some backdoors? I'm asking because my mother was an AU on a Chase account that went to CO and I want to call them and attempt a PIF for optimal credit repair and get her un-blacklisted. 

Re-entered the garden on 9/16/2013.


Starting Score: (TU) 517 (EQ) 469 (EX) 519 (6/1/2010)
Current Score: (TU98) 714 (TU04) 712 (EQ Beacon 5.0) 672 (EX -FICO v2) 724 (6/13/13)
Goal Score: 700 Club for all 3 (2 out of 3 so far)


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Valued Contributor
Posts: 2,792
Registered: ‎03-15-2012
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Re: Testing Chase waters again...

Backdoor #2 from list. I don't deal with frontlines, unless it's a simple question, or I need another aneurisym.

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