topic Re: Still can't get in with CHASE in Credit Card Applications

Still can't get in with CHASE

morgacj2004 — Sat, 23 Jul 2016 02:24:04 GMT

Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol

Re: Still can't get in with CHASE

CountryLivin — Sat, 23 Jul 2016 03:53:38 GMT

Sorry to hear! Congratulations on getting back in with BOA and CITI.

Re: Still can't get in with CHASE

Anonymous — Sat, 23 Jul 2016 04:43:44 GMT

Sorry to hear. I thought the Chase Amazon card was an easy one to get. I was approved for it in 2009 with barely any credit.

Re: Still can't get in with CHASE

morgacj2004 — Sat, 23 Jul 2016 06:21:28 GMT

You are making me feel real good about this! Lol. You would have thought I was app for the palladium card.

Re: Still can't get in with CHASE

Anonymous — Sat, 23 Jul 2016 13:11:52 GMT

@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol

Did you get a reason why they gave you a declination?

Re: Still can't get in with CHASE

thisladyz — Sat, 23 Jul 2016 13:26:56 GMT

@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol

Don't feel bad. I burned Chase in my CH13 back in 09 and they still won't let me back in for a CC, but they financed my car last year for over $60k! Go figure? lol

Re: Still can't get in with CHASE

Anonymous — Sat, 23 Jul 2016 13:45:22 GMT

yeah youll get back in its just impossible to know when exactly. Had a friend get back in with chase really fast while another friend had to wait longer even though his scores were higher. Some get back in with citi while others take longer so it seems like each issuer is different. Definitely no cut and dry formula that makes sense.

Re: Still can't get in with CHASE

Anonymous — Sat, 23 Jul 2016 13:56:55 GMT

@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol

Don't feel too bad, i had 3 Chase credit cards and one day i got mad talking to them on the phone and closed all 3 and i'm still living ..........There is nothing especial about Chase and they don't even have the LUV Button, they show it to you sometimes but not all the time like most credit cards, Don't waste your energy thinking about Chase.......There is a big world out there

Re: Still can't get in with CHASE

Anonymous — Sat, 23 Jul 2016 14:54:11 GMT

@Anonymous wrote:
@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol
Don't feel too bad, i had 3 Chase credit cards and one day i got mad talking to them on the phone and closed all 3 and i'm still living ..........There is nothing especial about Chase and they don't even have the LUV Button, they show it to you sometimes but not all the time like most credit cards, Don't waste your energy thinking about Chase.......There is a big world out there

There really is a big world out there. American Express will never let me back in, but I belong to three outstanding credit unions and have cards with many other creditors. Try again in a year, if that is what you want to do, but be sure you want to take that HP first. Good luck to you.

Re: Still can't get in with CHASE

Anonymous — Sat, 23 Jul 2016 17:07:32 GMT

@Anonymous wrote:
@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol
Did you get a reason why they gave you a declination?

The OP said declined because of BK...

Re: Still can't get in with CHASE

morgacj2004 — Sat, 23 Jul 2016 18:36:23 GMT

No explanation was given on the letter other than BK. When I spoke with EEO she stated that was the primary reason. I really want the CSP and or Freedom so I will wait 24 months as I dont meet criteria anyway due to the 5/24 rule. In 24 months I willl be 5.5 yrs post BK D/C and should meet their criteria at that point. By then my scores should be in the 750 range. Currently 700 avg.

Re: Still can't get in with CHASE

MovinOnUp2014 — Sun, 24 Jul 2016 01:31:05 GMT

@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol

Sorry to hear that OP.....I can totally relate... I can't get back in due to my including them in my Ch7 (6 yrs ago)..... It is a big world of other creditors like others have said but I also know the feeling of just wanting to accomplish a goal....

Re: Still can't get in with CHASE

Anonymous — Sun, 24 Jul 2016 02:04:37 GMT

@thisladyz wrote:
@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol
Don't feel bad. I burned Chase in my CH13 back in 09 and they still won't let me back in for a CC, but they financed my car last year for over $60k! Go figure? lol

Yea... that makes so sense.... lol...but maybe they will let you in soon.

Re: Still can't get in with CHASE

Anonymous — Sun, 24 Jul 2016 04:42:19 GMT

I thought the 5/24 rule applied to all cards issued by Chase as of a couple months ago, including the amazon Visa?
It may not have mentioned it in the letter, but that could have been the reason as well. I'm not sure if Chase is just like Cap One who put's random auto-generated sentences into letters.

Re: Still can't get in with CHASE

morgacj2004 — Sun, 24 Jul 2016 06:15:55 GMT

I may be wrong but I checked the list before applying and the Amazon card was not included in the 5/24 rule. There are still some good co-branded cards not included such as the BA card.

Re: Still can't get in with CHASE

Anonymous — Sun, 24 Jul 2016 12:13:48 GMT

I should add that when my Chapter 13 still showed I was instantly denied by Chase. After it fell off I was approved for two cards. So that bankruptcy is important to them, it seems.

Re: Still can't get in with CHASE

Scupra — Mon, 25 Jul 2016 20:17:31 GMT

I thought Chase Amazon Visa was known to be harder to get and start with a lower limit. Oh well, the Amazon Prime card is much better in my eyes Try Freedom when you can and then report back!

Re: Still can't get in with CHASE

morgacj2004 — Mon, 25 Jul 2016 20:52:32 GMT

Only you should be so lucky as to have gotten the Freedom Card. LOL

Re: Still can't get in with CHASE

Anonymous — Mon, 25 Jul 2016 22:44:05 GMT

@Anonymous wrote:
@Anonymous wrote:
@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol
Don't feel too bad, i had 3 Chase credit cards and one day i got mad talking to them on the phone and closed all 3 and i'm still living ..........There is nothing especial about Chase and they don't even have the LUV Button, they show it to you sometimes but not all the time like most credit cards, Don't waste your energy thinking about Chase.......There is a big world out there
There really is a big world out there. American Express will never let me back in, but I belong to three outstanding credit unions and have cards with many other creditors. Try again in a year, if that is what you want to do, but be sure you want to take that HP first. Good luck to you.

I used to think that, since I burned them in Bankruptcy. They did, though, just took time.

Re: Still can't get in with CHASE

Anonymous — Mon, 25 Jul 2016 22:50:26 GMT

I'd honestly forget about trying to get in with Chase. I have a Chase Freedom and within those 2 years, they have yet to give me an automatic CLI. While I just got approved for an Amex Plat Business.

Pathetic. (Not you. Chase.)