topic Re: Chase: There Can Be Life After Death in Credit Card Approvals

Chase: There Can Be Life After Death

EW800 — Tue, 05 Jan 2021 21:03:16 GMT

Just thought I would share a Chase experience that I have had over the past week or so, knowing that they tend to have memories longer than most people are alive!

About ten years ago, my wife and I went through very ugly times. We had a foreclosure and had to do a settlement with Chase on a CC account. Chase ended up eating more than $10K, however I did meet all terms of the Settlement and I was extremely nice and professional through the whole ugly ordeal. Knowing that I was on Chase's Naughty List, I figured they would never allow me to see the light of day, ever!

Last week I decided to stick my toe in the water with them, by applying for the Chase Amazon Visa Card. When I applied, I received the message stating that a manual review was required and that I would receive an answer in about 30 days. I was certain that was prelude to a denial letter, however some great people within the Applications section of this form let me know that the message may not be bad news. A couple of people even indicated that it sounded positive.

This morning I received a call from Chase Bank. A rep stated that they had my application and just wanted to confirm my ID. Once I proved I am me, she stated that I had been approved and that my starting credit limit will be $6K! Needless to say, I was very pleased. The Amazon Visa Card really is not that important to me, but more so I am just happy to know that it appears I am off their "you are dead to me" list. The $6K starting limit is about the lowest of all my cards, however I know I am just lucky to be in the door at all. Perhaps it will grow in time.

As far as my profile, as shown below, my FICO 8's and 9's are all 850 (six pack), and have been for about 24 straight months now. I only allow about $10 to $50 dollars show on one or two accounts. Up until I applied for this account, I had zero inquiries. Despite the reputation that Chase has, they seemed to have liked what they saw within my profile, and can be forgiving at times.

As a reference, this app was one hard pull to Experian . There is no sign that they pulled EQ or TU. I hate HP's, but I figure this personal accomplishment may have been worth taking the one hit.

Thanks to all for the great support, advice and encouragement!

Re: Chase: There Can Be Life After Death

cashorcharge — Tue, 05 Jan 2021 20:55:51 GMT

WOOHOO! That's great! Congratulations on your approval!!

Re: Chase: There Can Be Life After Death

AllZero — Tue, 05 Jan 2021 20:56:38 GMT

Congratulations on your approval!

Re: Chase: There Can Be Life After Death

PullingMeSoftly — Tue, 05 Jan 2021 20:58:07 GMT

Congrats, great comeback!

Re: Chase: There Can Be Life After Death

AverageJoesCredit — Tue, 05 Jan 2021 21:46:07 GMT

Even if Chase chased you EWay, you will still be our Disco Leader. Big grats. I think if i ever achieved what you have, all 850s and 0 inqs with superhigh limits id never app again But alas just like money we cant take hps or ccs with us so might as well have fun

Re: Chase: There Can Be Life After Death

Anonymous — Tue, 05 Jan 2021 21:59:58 GMT

That's a pretty nice approval to burn $10K and get approved for $6K! Usually those limits are much smaller lol. Congrats!

Re: Chase: There Can Be Life After Death

MyFault — Tue, 05 Jan 2021 23:00:09 GMT

Congrats on your Chase Amazon approval!

Re: Chase: There Can Be Life After Death

Anonymous — Tue, 05 Jan 2021 23:08:13 GMT

Congratulations on your approval!

Re: Chase: There Can Be Life After Death

EW800 — Tue, 05 Jan 2021 23:08:38 GMT

@AverageJoesCredit wrote:
Even if Chase chased you EWay, you will still be our Disco Leader. Big grats. I think if i ever achieved what you have, all 850s and 0 inqs with superhigh limits id never app again But alas just like money we cant take hps or ccs with us so might as well have fun

Thanks @AverageJoesCredit. Great memory! My Disco CL is still sitting at a whopping $73.7K. I am still baffled that it hasn't been reduced, as I am only giving them maybe $100 a love or so a month.

Agree, may as well have some fun! I certainly do not need this new Chase account, but there was just something gnawing at me that I just wanted to get back in the door with them. I guess there are worse things we could be obsessed about.

Thanks again!

Re: Chase: There Can Be Life After Death

randomguy1 — Tue, 05 Jan 2021 23:10:50 GMT

Congrats on the Amazon approval and back in with Chase.

Re: Chase: There Can Be Life After Death

NoMoreE46 — Tue, 05 Jan 2021 23:11:28 GMT

@EW800

Very nice.

BTW, your Discover limit is one of the highest that I can recall.

Re: Chase: There Can Be Life After Death

gdale6 — Tue, 05 Jan 2021 23:12:55 GMT

Welcome back into the Chase family, grats on the nice initial CL

Re: Chase: There Can Be Life After Death

EW800 — Tue, 05 Jan 2021 23:17:45 GMT

@NoMoreE46 wrote:
@EW800

Very nice.

BTW, your Discover limit is one of the highest that I can recall.

Thanks, @NoMoreE46. I do still shake my head at that Discover limit. I think there are some reports of some higher limits, but certainly not very common.

Re: Chase: There Can Be Life After Death

MartyWrite75 — Tue, 05 Jan 2021 23:40:02 GMT

This is awesome! Congratulations on your approval!

Re: Chase: There Can Be Life After Death

gingerflower — Tue, 05 Jan 2021 23:56:13 GMT

Congratulations on your approval and Cc Sl! 👍

Re: Chase: There Can Be Life After Death

JR_TX — Wed, 06 Jan 2021 00:02:09 GMT

Congrats on getting back in with Chase!

I too just got off their naughty list few days back after burning them in my BK7 10 years ago!

Those 850s look really awesome by the way!!

Re: Chase: There Can Be Life After Death

Anonymous — Wed, 06 Jan 2021 00:37:01 GMT

@EW800 Be glad that its Chase, otherwise if it were to be Amex then you would NEVER gonna be off to their naughty list....Already 30 yrs and still counting to be off their naughty list, or wonder if I ever be before I die...lols

Re: Chase: There Can Be Life After Death

Yeliaba1 — Wed, 06 Jan 2021 00:34:46 GMT

Congratulations!!

Re: Chase: There Can Be Life After Death

EW800 — Wed, 06 Jan 2021 00:45:35 GMT

@Anonymous wrote:
@EW800 Be glad that its Chase, otherwise if it were to be Amex then you would NEVER gonna be off to their naughty list....Already 30 yrs and still counting to be off their naughty list, or wonder if I ever be before I die...lols

@Anonymous 30 years and they are still pissed at you! I had always thought Chase was the worst, but I guess not!

Re: Chase: There Can Be Life After Death

EW800 — Wed, 06 Jan 2021 00:46:46 GMT

@JR_TX wrote:
Congrats on getting back in with Chase!
I too just got off their naughty list few days back after burning them in my BK7 10 years ago!
Those 850s look really awesome by the way!!

Thanks! Your scores are great, too!