topic Re: Finally off Chase Blacklist in Credit Card Approvals

Finally off Chase Blacklist

fleetfoot — Fri, 21 Jan 2022 00:13:42 GMT

In 2012 I burned Chase across five credit cards for a total in excess of $20K. After a critical car crash in 2010 that resulted in a 4-week hospitalization, and a loss of work for 5 months, I maxed out all my cards just to get food and clothing for my family. When the medical bills hit, I was even worse off (that's another story for another time).

I eventually defaulted on all of my Chase cards in 2012. I never declared bankrupcy and Chase never sued me. I tried on two occasions to regain a Chase card, primarily because of my heavy use of Marriott hotels and United Airlines. Both times I received the dreaded "previous relationship" denial. I was on Chase's blacklist.

I was surprised in January 2022 when Experian's website said I was preapproved for Chase's Freedom Flex credit card. After following this forum for two years, I knew that some have been able to get back in with Chase after 10 years. I applied through Experian's "preapproval" link and I received the standard "30 day" message. The robot lady also gave me hope with a "30-day" message. Three days later she changed to the "7 to 10 day" message and I assumed that meant a denial. Rather than call right away, I waited for the letter in the USMail which indicated that I needed to contact the verification team to confirm that I had applied for the card. When I called, I was asked some simple questions to verify my identity and I was approved with a small $3700 limit.

I am thrilled as I plan to use the card responsibly to gain readmission to the Marriott Bonvoy - Chase card family. I plan to wait until my Freedom Flex passes the one year mark before applying for the Marriott Boundless. Your thoughts?

At time of application:

Fico8's: Exp 777 TU 756 Eq 762

Income $149K

2/24

AAoA: 6yrs 4mos

Inquiries last two years: 1

Re: Finally off Chase Blacklist

JLRDC909 — Fri, 21 Jan 2022 00:31:40 GMT

Congratulations on getting back in with Chase. I also burned Chase and other issuers for quite a lot around 2009-2010. I've gotten back in with all issuers, except Chase. Only reason they have declined me was "too many new accounts associated with you in the last 24 months". I'll try again end of summer when I get back under 5/24.

No surprise that the only issuer who won't let me back in is Barclays. Hey I'm ok with that.

Congratulations on your approval and for getting your foot back in the door with JPMCB.

Re: Finally off Chase Blacklist

CreditMagic7 — Fri, 21 Jan 2022 00:33:23 GMT

Congratulations to you on getting back in with Chase and your new approval to start things off anew with them.

Re: Finally off Chase Blacklist

CreditAggie — Fri, 21 Jan 2022 01:13:18 GMT

Congratulations on getting back in with Chase!

Re: Finally off Chase Blacklist

coreyb80 — Fri, 21 Jan 2022 01:20:59 GMT

Congrats on re-establishing a relationship with Chase!

Re: Finally off Chase Blacklist

SouthJamaica — Fri, 21 Jan 2022 01:24:08 GMT

@fleetfoot wrote:
In 2012 I burned Chase across five credit cards for a total in excess of $20K. After a critical car crash in 2010 that resulted in a 4-week hospitalization, and a loss of work for 5 months, I maxed out all my cards just to get food and clothing for my family. When the medical bills hit, I was even worse off (that's another story for another time).
I eventually defaulted on all of my Chase cards in 2012. I never declared bankrupcy and Chase never sued me. I tried on two occasions to regain a Chase card, primarily because of my heavy use of Marriott hotels and United Airlines. Both times I received the dreaded "previous relationship" denial. I was on Chase's blacklist.
I was surprised in January 2022 when Experian's website said I was preapproved for Chase's Freedom Flex credit card. After following this forum for two years, I knew that some have been able to get back in with Chase after 10 years. I applied through Experian's "preapproval" link and I received the standard "30 day" message. The robot lady also gave me hope with a "30-day" message. Three days later she changed to the "7 to 10 day" message and I assumed that meant a denial. Rather than call right away, I waited for the letter in the USMail which indicated that I needed to contact the verification team to confirm that I had applied for the card. When I called, I was asked some simple questions to verify my identity and I was approved with a small $3700 limit.
I am thrilled as I plan to use the card responsibly to gain readmission to the Marriott Bonvoy - Chase card family. I plan to wait until my Freedom Flex passes the one year mark before applying for the Marriott Boundless. Your thoughts?

At time of application:
Fico8's: Exp 777 TU 756 Eq 762
Income $149K
2/24
AAoA: 6yrs 4mos
Inquiries last two years: 1

Congratulations on getting off Chase's blacklist. No mean feat.

Agreed that you should proceed slowly.

Best way to get Chase to increase your credit limit is to use the card a lot, and pay it down a lot. This sometimes results in an auto CLI.

Re: Finally off Chase Blacklist

cashorcharge — Fri, 21 Jan 2022 01:53:20 GMT

That's terrific!! Congratulations on your Chase Approval!! 🎉🥂👏

Re: Finally off Chase Blacklist

Jordan23ww — Fri, 21 Jan 2022 01:58:19 GMT

I'm sorry to hear that you experienced all of that! Congratulations on getting back in with Chase and all your progress during your credit rebuild! Hopefully you can get the Marriott card again too whenever you apply! Best wishes to you!

Re: Finally off Chase Blacklist

fleetfoot — Fri, 21 Jan 2022 02:40:47 GMT

@SouthJamaica wrote:
@fleetfoot wrote:
In 2012 I burned Chase across five credit cards for a total in excess of $20K. After a critical car crash in 2010 that resulted in a 4-week hospitalization, and a loss of work for 5 months, I maxed out all my cards just to get food and clothing for my family. When the medical bills hit, I was even worse off (that's another story for another time).
I eventually defaulted on all of my Chase cards in 2012. I never declared bankrupcy and Chase never sued me. I tried on two occasions to regain a Chase card, primarily because of my heavy use of Marriott hotels and United Airlines. Both times I received the dreaded "previous relationship" denial. I was on Chase's blacklist.
I was surprised in January 2022 when Experian's website said I was preapproved for Chase's Freedom Flex credit card. After following this forum for two years, I knew that some have been able to get back in with Chase after 10 years. I applied through Experian's "preapproval" link and I received the standard "30 day" message. The robot lady also gave me hope with a "30-day" message. Three days later she changed to the "7 to 10 day" message and I assumed that meant a denial. Rather than call right away, I waited for the letter in the USMail which indicated that I needed to contact the verification team to confirm that I had applied for the card. When I called, I was asked some simple questions to verify my identity and I was approved with a small $3700 limit.
I am thrilled as I plan to use the card responsibly to gain readmission to the Marriott Bonvoy - Chase card family. I plan to wait until my Freedom Flex passes the one year mark before applying for the Marriott Boundless. Your thoughts?

At time of application:
Fico8's: Exp 777 TU 756 Eq 762
Income $149K
2/24
AAoA: 6yrs 4mos
Inquiries last two years: 1
Congratulations on getting off Chase's blacklist. No mean feat.

Agreed that you should proceed slowly.

Best way to get Chase to increase your credit limit is to use the card a lot, and pay it down a lot. This sometimes results in an auto CLI.

Thank you for your thoughts. I agree that I should take it slowly with Chase, given my poor history with them.

Re: Finally off Chase Blacklist

fleetfoot — Fri, 21 Jan 2022 02:48:20 GMT

After following myFICO forums for a couple of years, I've decided that Barclay's will forever be a "no go" for me too. I rebuilt my credit with secured cards and then CapOne Platinum. Ten years ago I strategically defaulted on Chase and Barclay's and carefully protected Amex and Wells Fargo. As a result, those accounts remained open, although their credit lines were drastically reduced. I am now happpy that Chase has let me back in, albeit with a small credit limit.

@JLRDC909 wrote:
Congratulations on getting back in with Chase. I also burned Chase and other issuers for quite a lot around 2009-2010. I've gotten back in with all issuers, except Chase. Only reason they have declined me was "too many new accounts associated with you in the last 24 months". I'll try again end of summer when I get back under 5/24.

No surprise that the only issuer who won't let me back in is Barclays. Hey I'm ok with that.

Congratulations on your approval and for getting your foot back in the door with JPMCB.

Re: Finally off Chase Blacklist

quikj9 — Fri, 21 Jan 2022 02:52:23 GMT

Congrats on your new Freedom Flex approval and getting back into the Chase CC game!

Re: Finally off Chase Blacklist

fleetfoot — Fri, 21 Jan 2022 02:57:09 GMT

@Jordan23ww wrote:
I'm sorry to hear that you experienced all of that! Congratulations on getting back in with Chase and all your progress during your credit rebuild! Hopefully you can get the Marriott card again too whenever you apply! Best wishes to you!

Thanks Jordan23. The MVA and aftermath was a nightmare for the whole family. I'm relieved that the resulting financial collapse is now truly behind me with Chase's acceptance. As stated, I'll take it slow with getting the Marriott card again. I'll try after the one year anniversary of my Freedom Flex.

Re: Finally off Chase Blacklist

Total80sKid — Fri, 21 Jan 2022 05:15:14 GMT

Congrats on your Flex approval 👍🏼

Re: Finally off Chase Blacklist

fm92555 — Fri, 21 Jan 2022 05:19:33 GMT

It blows trying to get back in with a creditor. Very happy for your success!

Now all you have to do is build that credit line past 30k.

Re: Finally off Chase Blacklist

M_Smart007 — Fri, 21 Jan 2022 05:28:19 GMT

Congratulations on your Chase Approval & Welcome to the forum.

Re: Finally off Chase Blacklist

Reviewers — Fri, 21 Jan 2022 14:14:00 GMT

Congratulations on getting back in with Chase after all those years!

Re: Finally off Chase Blacklist

firefox100 — Fri, 21 Jan 2022 18:53:52 GMT

First congratulations on getting off the chase black list and getting approved for new chase creditcard. I burnt chase about 20 years ago on bunch of creditcards and personal line of credit for total of around 80K never went chapter 13 or 7 just ran out the clock with chase. Just for info if I call chase customer service from my home it goes directly to customer service they still have my phone number in there system. I just don't have guts to try for chase creditcard don't want to take hard pull on 2 credit bureau, I don't know if I should take plung and see what happens. all scores are over 800 and income is over 85K again congratulations.

Re: Finally off Chase Blacklist

fleetfoot — Fri, 21 Jan 2022 19:07:55 GMT

@firefox100 wrote:

First congratulations on getting off the chase black list and getting approved for new chase creditcard. I burnt chase about 20 years ago on bunch of creditcards and personal line of credit for total of around 80K never went chapter 13 or 7 just ran out the clock with chase. Just for info if I call chase customer service from my home it goes directly to customer service they still have my phone number in there system. I just don't have guts to try for chase creditcard don't want to take hard pull on 2 credit bureau, I don't know if I should take plung and see what happens. all scores are over 800 and income is over 85K again congratulations.

I'm not sure what exactly worked in my favor to get back in with Chase. I assume they see my burning them for $20K + as bad. But I also have had two always timely car loans with them around the same time as the five credit card defaults. Chase never sued me and I did not pursue bankruptcy. I just waited it out. My credit scores have steadily increased over the years, as has my income. I just think Chase has seen my 10 + years of responsible credit card use as a good indicator that my past problems are behind me (which they are). For whatever reason Chase finally gave me a second chance. My ultimate goal with them is to get the Marriott Bonvoy card with a high SUB maybe a year from now. Do you think that will be a sufficient amount of time for Chase?

Re: Finally off Chase Blacklist

fleetfoot — Fri, 21 Jan 2022 19:41:49 GMT

firegox100-

Thanks for your response. I knew from following MyFico forums that Chase has a very long memory, but your report that your phone number is still recognized by their call-in system after 20 years just astonishes me. I'm sure that should I apply for another card in a year, I will go through another review and my past bad behavior will be looked at again. I'm just happy that Chase has seen the work I have done over the past 10+ years to improve my credit history and credit reports.

Re: Finally off Chase Blacklist

gdale6 — Sat, 22 Jan 2022 17:06:49 GMT

Nice that you got back in the Chase door, ten years is typically the minimum amount of time for them. Grats!