topic Re: Chase Credit Card Pre-approval in Credit Card Applications

Chase Credit Card Pre-approval

simoncww — Sun, 01 Dec 2024 20:26:02 GMT

Looking to apply the Chase Freedom Flex but I want to see what are my odds of getting approved first so I went to try their pre-approval tool and I got the following message: "We can‘t find any offers for you right now. This could be because you‘ve opted out of pre-screened offers or you‘ve recently responded to another offer. Your credit has not been impacted."

As far as I know, my credit report is not frozen from all 3 credit reporting bureau. I even tried a second time with double checking all my spellings and information but still got the same message. I don't think I exceeded the 5/24 rule and my current FICO is 720. I do have a chanpter 7 back in 2016.

Just hope anyone here can shed some light on this. Appreciate any information.

Re: Chase Credit Card Pre-approval

Jnbmom — Sun, 01 Dec 2024 20:33:51 GMT

I believe Chase will deny with BK on your report .

Did you include them in your BK?

Re: Chase Credit Card Pre-approval

simoncww — Sun, 01 Dec 2024 21:11:06 GMT

Appreciate your quick respond. I just retrieved my BK file through PACER and found Chase is one of the creditor. Though I'm not sure how much I burned them (if any). Is there anyway to find out? If the amount is small and within my means, I don't mind paying it off. Thanks again.

Re: Chase Credit Card Pre-approval

Jnbmom — Sun, 01 Dec 2024 21:16:45 GMT

Since you included them you can cross them off your list for quite sometime .

Re: Chase Credit Card Pre-approval

simoncww — Sun, 01 Dec 2024 21:44:30 GMT

Perhaps you're right. Stragely enough, I'm currently have an auto loan with them (Subaru finance by JPMC). Got approved 2 years ago. No missed payments. Though I'm not sure if that's separated from the credit cards department.

Re: Chase Credit Card Pre-approval

Jnbmom — Sun, 01 Dec 2024 21:45:53 GMT

@simoncww wrote:
Perhaps you're right. Stragely enough, I'm currently have an auto loan with them (Subaru finance by JPMC). Got approved 2 years ago. No missed payments. Though I'm not sure if that's separated from the credit cards department.

Credit products are completely different

Re: Chase Credit Card Pre-approval

simoncww — Sun, 01 Dec 2024 21:57:03 GMT

@Jnbmom. Thanks for the insight. I haven't been in the credit card game since the BK. I'm trying to rekindle the relationship with them even if I have to pay them back (within my means). Do you know if that's even an option? If not, should I try again after the BK falls off my credit report?

Re: Chase Credit Card Pre-approval

Jnbmom — Sun, 01 Dec 2024 22:02:46 GMT

@simoncww wrote:
@Jnbmom. Thanks for the insight. I haven't been in the credit card game since the BK. I'm trying to rekindle the relationship with them even if I have to pay them back (within my means). Do you know if that's even an option? If not, should I try again after the BK falls off my credit report?

No even if you offered to pay they are not going to let you back in as the BK is on your file . Eventually they will let you in but it will be quite sometime . Best to just look for other lenders that suit your needs .

Re: Chase Credit Card Pre-approval

simoncww — Sun, 01 Dec 2024 22:07:42 GMT

No even if you offered to pay they are not going to let you back in as the BK is on your file . Eventually they will let you in but it will be quite sometime . Best to just look for other lenders that suit your needs .

@Jnbmom, not what I like to hear but agree with you 100%. I should just move on. I expect my BK will fall off my credit file by 2026 which is just around the corner and maybe I'll try again by then. Thanks!

Re: Chase Credit Card Pre-approval

tbgothard — Mon, 02 Dec 2024 01:49:58 GMT

It took me 14 years and 11 months after my CH7 discharge to get back in with Chase. And I am really enjoying my CSR. Hoping to keep things going well for a CLI, additional card, and possibly a mortgage down the line.

Re: Chase Credit Card Pre-approval

simoncww — Tue, 03 Dec 2024 01:40:22 GMT

@tbgothard wrote:
It took me 14 years and 11 months after my CH7 discharge to get back in with Chase. And I am really enjoying my CSR. Hoping to keep things going well for a CLI, additional card, and possibly a mortgage down the line.

@tbgothard, congrats. Like @Jnbmom had mentioned, getting back in is still a possibility. I'm just going to hold my horses and wait until my BK falls off then try again. Hope everything works out for you. Thanks!

Re: Chase Credit Card Pre-approval

Gregory1776 — Wed, 04 Dec 2024 11:38:16 GMT

@tbgothard wrote:
It took me 14 years and 11 months after my CH7 discharge to get back in with Chase. And I am really enjoying my CSR. Hoping to keep things going well for a CLI, additional card, and possibly a mortgage down the line.

Why a mortgage with chase?

Re: Chase Credit Card Pre-approval

Rhaeny — Mon, 09 Dec 2024 18:28:11 GMT

@simoncww wrote:
Appreciate your quick respond. I just retrieved my BK file through PACER and found Chase is one of the creditor. Though I'm not sure how much I burned them (if any). Is there anyway to find out? If the amount is small and within my means, I don't mind paying it off. Thanks again.

I also burned Chase in my 2016 BK. I continued to maintain a checking and savings with them since that time. I also got the same message you did about not any potential offers while logged into my checking account. However, a couple of weeks ago while on Amazon I got a pop up to apply for the Chase Amazon. I applied, although I was really apprehensive considering the circumstances, and was approved for $10K. Everything showed up immediately when I logged back in to my checking account.

I would say check the pre-approval for this card through the Amazon interface. Apparently Chase is more relaxed with Amazon because I honestly didn't think I'd be back with them. Oh and BTW, my BK is still on my reports.

Re: Chase Credit Card Pre-approval

7774x — Mon, 09 Dec 2024 23:40:12 GMT

@Jnbmom wrote:
Since you included them you can cross them off your list for quite sometime .

Chase has long memory .. Burned them years ago on chase card

Surprising .. They didn't close my other Chase cards .. Took 8 years to get new Card

Re: Chase Credit Card Pre-approval

Realist — Wed, 11 Dec 2024 06:12:58 GMT

You have a decent line of cards available to you judging by your profile. If you have two years left before the bankruptcy discharges, what would it hurt to inquire? That inquiry will fall off in two years anyways.

I've heard of some crazy stuff occuring with bankruptcy, anywhere from people securing home loans, to short sellers short selling back to themselves so the lenders can write off the difference.

You just never know. I don't see a disadvantage if you attempt to apply. You have a two year wait either way. Inquiring is an opportunity.

Re: Chase Credit Card Pre-approval

simoncww — Thu, 26 Dec 2024 20:42:05 GMT

@Realist wrote:
You have a decent line of cards available to you judging by your profile. If you have two years left before the bankruptcy discharges, what would it hurt to inquire? That inquiry will fall off in two years anyways.

I've heard of some crazy stuff occuring with bankruptcy, anywhere from people securing home loans, to short sellers short selling back to themselves so the lenders can write off the difference.

You just never know. I don't see a disadvantage if you attempt to apply. You have a two year wait either way. Inquiring is an opportunity.

@Realist , took a leap of faith and not surprisingly got declined because of past BK. Hey, at least I know why. Don't care about the hard pull. Like you said, it'll fall off the sametime the BK falls off the record. Thanks!