I donot know how you got approved for a chase card or a discover card with a BK still on your credit report.  When you apply on-line, one of the first questions they ask is if you have ever filed for BK.  This is an automatic denial.

Also I have NEVER, had a creditor call me at home to review my denied application or give it a second review, and then approve it over the phone and ask me if thats enough credit or do you need more, I mean come-on.

I have also never seen a credit score in the 700's with a BK on it.  If you were able to achieve these things I think that is wonderful.