topic Re: Chase blacklist in Credit Card Applications

Chase blacklist

juniornj23 — Thu, 02 Jun 2016 19:02:26 GMT

I burn my chase slate about 8 years ago .Do you think i still in the balcklist ? Is there anyway to make sure ?

My score is around 710 to 720 and I'm preparing for an app spree .

Chase
Amex
Citi
Are the bank i want to get the door open

Re: Chase blacklist

Anonymous — Thu, 02 Jun 2016 20:25:33 GMT

I was on us bank blast list 3 years ago. I now have two cards through them with 5k cl each

Re: Chase blacklist

ojefferyo — Thu, 02 Jun 2016 23:51:36 GMT

No way to know without app'ing

Re: Chase blacklist

creditguy — Fri, 03 Jun 2016 00:16:10 GMT

How much did you burn them for? Was it a BK or simply a charge off? Do you have a current banking relationship with Chase?

Re: Chase blacklist

thummel — Fri, 03 Jun 2016 01:29:29 GMT

Us bank and Chase are just a little different in terms of underwriting justjkit. But regarding the OP original post only way to know is apply but don't be surprised if you get a lower limit.

Re: Chase blacklist

Loquat — Fri, 03 Jun 2016 01:36:55 GMT

If it helps you make a decision...I had a Providian Visa that was included in my BK13. That account info was moved then to WaMu and then on to Chase. To this very day, Chase is still peeved about that Providian account and will not allow me to have a product with them. I've accpeted it and moved on...

Re: Chase blacklist

juniornj23 — Fri, 03 Jun 2016 01:54:07 GMT

It was 300 went to collection i pay in full the funniest thing is that when i log in into my chase cheking account the card still there . I also had a car loan with then and pay off in 3 years insted of 5 . .

Re: Chase blacklist

creditguy — Fri, 03 Jun 2016 02:16:35 GMT

@juniornj23 wrote:
It was 300 went to collection i pay in full the funniest thing is that when i log in into my chase cheking account the card still there . I also had a car loan with then and pay off in 3 years insted of 5 . .

Well as others have stated, applying is the only way for sure to know if you are blacklisted. Since the amount was very small its plausible they will not hold it against you, but one never knows until they try, Good Luck.

Re: Chase blacklist

ddemari — Fri, 03 Jun 2016 05:05:12 GMT

I burned Chase hard in a 2003 bankruptcy. I didn't get serious about getting back in with them for a long time and when I did my success lied in super low utilization and inquires, like 2% utilization across the bored and was approved for freedom
In 2014. Now I have 13 Chase cards.

Re: Chase blacklist

Creditplz — Fri, 03 Jun 2016 05:14:10 GMT

I burned chase on a Checking account that was like -600 from when I was in college... It was charged off but never sold to collections. I paid it in full 3 months or so before applying... And I was approved across 3 cards for 41.5K.

Just a warning I was AA 2 times after the approvals.. Risk manager told me I only get to keep them because of my income and perfect payment history ! Also I have no negatives of any sort and had 0% UTL. Scores were all 730+ EX Fico8, on approval letter it was stated on their "Risk assessment scale" I was only a 651.

You won't know if they even consider it unless you apply

Re: Chase blacklist

B335is — Fri, 03 Jun 2016 06:08:33 GMT

Chase has a really long internal memory. Have you checked their pre qualifier?

Re: Chase blacklist

Loquat — Fri, 03 Jun 2016 11:27:26 GMT

This was about a year and a half ago when I last tried. I hit their prequal now and a couple of cards show but I don't want to play the game of wasting another HP only to be told no...as I mentioned upthread, they were still peeved the last time over Providian and I can't imagine much has changed despite what their prequal says. Others have suggested that the prequal was a good sign and to app and if denied, recon...no thank you. I refuse to be interrogated by Chase (as I've heard they do on recon) for a something as simple as a credit card. My patience and temper is much to thin these days...if they ask me the wrong question or try to talk down to me I'm likely to curse them out or just tell them to go kick rocks.

Re: Chase blacklist

RonM21 — Sun, 05 Jun 2016 13:32:24 GMT

In this case, if it really is something you would rather not risk dealing with, I'd just avoid them and do business elsewhere, if possible. Unless there is a reason that the card needs to be issued by them.

Re: Chase blacklist

Anonymous — Tue, 07 Jun 2016 17:06:35 GMT

@Loquat wrote:
This was about a year and a half ago when I last tried. I hit their prequal now and a couple of cards show but I don't want to play the game of wasting another HP only to be told no...as I mentioned upthread, they were still peeved the last time over Providian and I can't imagine much has changed despite what their prequal says. Others have suggested that the prequal was a good sign and to app and if denied, recon...no thank you. I refuse to be interrogated by Chase (as I've heard they do on recon) for a something as simple as a credit card. My patience and temper is much to thin these days...if they ask me the wrong question or try to talk down to me I'm likely to curse them out or just tell them to go kick rocks.

.........................and the horse they rode in on and the one that followed them too.

I had the old Providian/WaMu issue many, many years ago. I haven't tried to get anything with them. As far as I am concerned that ship has sailed.

Good luck to the OP and hopefully things will work out.

Re: Chase blacklist

Anonymous — Wed, 08 Jun 2016 00:23:39 GMT

@Loquat wrote:
This was about a year and a half ago when I last tried. I hit their prequal now and a couple of cards show but I don't want to play the game of wasting another HP only to be told no...as I mentioned upthread, they were still peeved the last time over Providian and I can't imagine much has changed despite what their prequal says. Others have suggested that the prequal was a good sign and to app and if denied, recon...no thank you. I refuse to be interrogated by Chase (as I've heard they do on recon) for a something as simple as a credit card. My patience and temper is much to thin these days...if they ask me the wrong question or try to talk down to me I'm likely to curse them out or just tell them to go kick rocks.

You are too kind. Besides cursing them out, I will definitely tell them to do something...but not to kick rocks.....

Re: Chase blacklist

Anonymous — Wed, 08 Jun 2016 01:50:36 GMT

Maybe try a prequal on their site.... see what comes up.

If nothing ... I would just make sure you are OPTED IN and wait and see if you get any offers in the mail with clear percentages etc.

If nothing still yet ... I wouldn't waste a hardpull. But you may want to leave room for them if you change your mind. IE 5/24

Re: Chase blacklist

Anonymous — Wed, 08 Jun 2016 09:06:16 GMT

I burned 2 chase cards in my bk 2/14, one was an old wamu and one was a freedom card. I have a checking account with chase ever since when it was still wamu, have had direct deposit on my account for last 10 years, At least $100,000 goes through that account yearly. Would they even consider that? What would I have to apply and than call recon? Anybody else had a similar situation?

Re: Chase blacklist

Meanmchine — Thu, 09 Jun 2016 22:59:13 GMT

FWIW, I too burned Providian (CO not paid) and i thought i was blacklisted so I never apped for any Chase card. Two months ago i was the victim of ID theft and they tried to open a Chase Freedom account. Chase HPed EQ qnd TU and thats how i found out and called Chase fraud to stop the app from going thru.

What I didnt realize at the time was that if i were blacklisted they wouldnt have HPd me. I did get angry that Chase had given them a 30 day notice letter despite the fact there is a fraud alert across all my CRs Im not blacklisted so if i were u, id try the prequal site first and then pull the trigger on your first choice

Re: Chase blacklist

Anonymous — Sat, 11 Jun 2016 06:00:40 GMT

Re: Chase blacklist

mitchblue — Fri, 10 Jun 2016 20:33:40 GMT

@ddemari wrote:
I burned Chase hard in a 2003 bankruptcy. I didn't get serious about getting back in with them for a long time and when I did my success lied in super low utilization and inquires, like 2% utilization across the bored and was approved for freedom
In 2014. Now I have 13 Chase cards.

How do you have 13 chase cards? Dang. And all in 2 years, obviously no 5-24 for you. Didn't realize they had 13 credit cards..