topic Re: Chase Hates ME in Credit Card Applications

Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:23:10 GMT

Will being added as an authorized user for a CSP(10,200 CL) help me get a chase card, specifically the southwest card. I would like to get back into the good graces of Chase. About 5 years ago I had two charge-offs; 1 from CapOne and one from Chase. I have had a great relationship with CapOne for the past year now but I have tried twice to get a chase card and both times ended in denial. My girlfiriend put me on as an AU on her CSP in hopes that I will be able to get back into their good graces. Bottom line, am I screwed with their company forever? Thank you for your help!

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:27:39 GMT

It is unlikely that being added as an AU will get you back in with Chase at this point in time. From Chase's point of view, your charge off is too fresh to give you another chance. You're not screwed forever, but it will take a while.

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:31:54 GMT

@Anonymous wrote:
Will being added as an authorized user for a CSP(10,200 CL) help me get a chase card, specifically the southwest card. I would like to get back into the good graces of Chase. About 5 years ago I had two charge-offs; 1 from CapOne and one from Chase. I have had a great relationship with CapOne for the past year now but I have tried twice to get a chase card and both times ended in denial. My girlfiriend put me on as an AU on her CSP in hopes that I will be able to get back into their good graces. Bottom line, am I screwed with their company forever? Thank you for your help!

Welcome to MyFico. As CapTool says bring an AU isn't going to help getting back in with Chase. Have you paid back the money that was charged off? That would be the first step in getting back in their good graces.

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:32:05 GMT

Am I better off waiting until both of those fall off 2 years from now? Is there a time frame for these types of issues? Bottom line, when do I know that Chase is ready to take my leap?

Re: Chase Hates ME

CreditCuriosity — Thu, 13 Aug 2015 22:35:41 GMT

As Irish has said have you paid them back? If not pay them back and hopefully that is the first step in mending your relationship.. Think of it this way if someone didn't pay you back, would you lend them money again? Best of luck!

Re: Chase Hates ME

CreditCuriosity — Thu, 13 Aug 2015 22:35:02 GMT

@Anonymous wrote:
Am I better off waiting until both of those fall off 2 years from now? Is there a time frame for these types of issues? Bottom line, when do I know that Chase is ready to take my leap?

You didnt answer Irish's question did you pay Chase back? If no then if you wait 10 years, it probably won't help you. Capital One is forgiving, Chase isn't so much

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:37:25 GMT

@Anonymous wrote:
Am I better off waiting until both of those fall off 2 years from now? Is there a time frame for these types of issues? Bottom line, when do I know that Chase is ready to take my leap?

Unfortunately whether they fall off or not doesn't make a difference. Chase has a long memory. It's can take many many years for them to forgive. Took me 19 years to get in after a charge off in a small product that Chase bought out. Will it take you that long? Probably not but the only way to know if you're back in their good graces is to apply every year or so and then recon and plead your case. Paying them back though is a good start.

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:37:19 GMT

I'm sorry I just noticed this response. I have paid both back in FULL directly to both companies 2 years ago.

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:38:06 GMT

@Anonymous wrote:
I'm sorry I just noticed this response. I have paid both back in FULL directly to both companies 2 years ago.

That will help you a lot. You just have to try periodically.

Re: Chase Hates ME

CreditCuriosity — Thu, 13 Aug 2015 22:39:53 GMT

Chase: 888-245-0625 (Credit Analyst - Recons)

Also call this # each time and plead your case and one time you will get lucky and they will throw you a lifeline.. It might take a few years before they are wiilling to forgive. It will always be a recon call though, never an instant approval

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:44:07 GMT

Thanks guys I appreciate the help and motivation! I will try again another time.

Re: Chase Hates ME

FinStar — Thu, 13 Aug 2015 22:45:20 GMT

Sorry OP, no chance anytime in the foreseeable future especially since they took a loss. As CAPTOOL, Irish and CreditCuriosity mentioned above, being an AU doesn't circumvent the UW process or improve the chance for approval. Some folks are eventually able to reestablish the relationship but it takes a long time and depends on the circumstances. Needless to say, Chase has a very long memory.

So, no Chase doesn't hate you. But they certainly didn't bode well with the loss.

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:56:19 GMT

@Anonymous wrote:
Am I better off waiting until both of those fall off 2 years from now? Is there a time frame for these types of issues? Bottom line, when do I know that Chase is ready to take my leap?

Waiting for them to fall off won't matter with Chase. When I reconned my Freedom the analyst brought up a Providian card I had back in 1999.

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 22:58:26 GMT

@Anonymous wrote:
I'm sorry I just noticed this response. I have paid both back in FULL directly to both companies 2 years ago.

Okay, your odds just went up a bit. It might be worth trying for a recon on your most recent app. At the very least, you can get an idea from the analyst about how far away you are from getting back in.

Re: Chase Hates ME

Anonymous — Thu, 13 Aug 2015 23:13:07 GMT

Thanks for response everyone! From everything I am hearing it sounds like I am screwed for a bit. I guess I can press with the CapOne Venture - unless anyone has some cons on that.

Re: Chase Hates ME

CreditCuriosity — Thu, 13 Aug 2015 23:58:40 GMT

@Anonymous wrote:
Thanks for response everyone! From everything I am hearing it sounds like I am screwed for a bit. I guess I can press with the CapOne Venture - unless anyone has some cons on that.

@if pre-qualified then apply for venture.. It will be a triple HP if approved for 15k+ then do a back to back QS app right after and use one set of HP's then @ 6 months roll the Venture CL into the QS card and close Venture card.

Re: Chase Hates ME

ddemari — Fri, 14 Aug 2015 00:34:34 GMT

Chase very long memory. Capitalone very forgiving even if they have a memory they dont hold it on u.

May 2013 when i joined myfico, i had a bk from 2004 reporting and recently i looked back on denial letters from places like us bank discover and barlcays, my scores were in the 660s. I tried to recon with chase on a slate, the analyst said i can see u burned us on a united visa ans slate visa but that was nearly 9 years ago, its not holding us back. Get utilization down and reapply in 6 months.

Your situation at 5 years is recent but since paid i think like others have said, go the analyst manual review route and be ready to plead your case.