topic Re: People Who Burned Chase/Citi and Made up - GIH!! in Credit Cards

People Who Burned Chase/Citi and Made up - GIH!!

Anonymous — Mon, 22 Jun 2015 21:14:27 GMT

Any recent Chase burners care to share their story and the time it took them to make up with them?

I have a C/O from a 2008 Chase account, DOFD 10/2010, scheduled to fall off 10/2017. It was PIF, not settled for $2000. Citi is set to fall off in 6/2016 and was a $3000 CO that was PIF.

Luckily I have a fair heap of credit now, so I'm going into the garden until next June/July when everything else negative falls off (except for the Chase CO). I don't want to wait until 2018

Its instant denial last year and this year's attempts. I really just want a Ritz Carlton to pair with my Amex Platinum, and I'd be set for life. I almost exclusive use Ritz hotels.

My current cards:

American Express Platinum - Mercedes-Benz: NPSL

Cap 1 Venture: $10,000.00

Cap 1 QS1: $3,000.00

Cap 1 Plat $2,500.00

Discover IT: $1,200.00

Barclays Rewards: $1,300.00

Amex Delta Gold: $1,000.00

US Bank Platinum (unsecured): $500

Lowes: $5000

Amazon: $5000

Blue Nile: $3000

Barneys: $900

Macys: $700

VS: $750

Brooks Bros: $560

Finger Hut: $1000

Re: People Who Burned Chase/Citi and Made up - GIH!!

Anonymous — Tue, 23 Jun 2015 12:20:24 GMT

bump!

Really hope someone has some good experiences to share, haha, otherwise this is not boding well!

Re: People Who Burned Chase/Citi and Made up - GIH!!

Anonymous — Tue, 23 Jun 2015 12:27:44 GMT

Yes, from what I have seen, Chase are really one of the least understanding banks out there!

Which is unfortunate, as they have some awesome cards.

Did you not call after getting denied last year?

I would be curious if they would let you know why you were denied and offer any more information or reconsider after you explain yourself.

Re: People Who Burned Chase/Citi and Made up - GIH!!

Anonymous — Tue, 23 Jun 2015 12:29:32 GMT

hello, I think It was 7-8 years ago I had a Sharebuilder that was backed by Chase and things went south for me and it went into collections.

Fast forward and 3 months ago I was approved for a Freedom card for $1200 after a few weeks and a couple calls and "security" checks.

Not sure if there are any correlations to your situation but thought id share. I think my scores are around 680

Re: People Who Burned Chase/Citi and Made up - GIH!!

Anonymous — Tue, 23 Jun 2015 12:37:10 GMT

Gotcha, thanks. I'm afraid I might be looking at atleast October 2017 when that falls off.

I called the EO office and they basically said look, your best bet is going to be when your credit report is immaculate. When there are no more derogs, no new accounts, no inquiries - basically when there is no reason to deny you credit.

I was really hoping for next summer, 7/2016 when I'll be ~ a year away from everything falling off...

Re: People Who Burned Chase/Citi and Made up - GIH!!

TRC_WA — Tue, 23 Jun 2015 13:02:15 GMT

@Anonymous wrote:
Any recent Chase burners care to share their story and the time it took them to make up with them?
People Who Burned Chase/Citi and Made up - GIH!!

Yeah... good luck with that.

I'm 6+ years out of Ch 13... everything falls off my reports in a matter of months... I've rebuilt a solid profile without the handouts from NFCU and have had 0 luck getting an account with Chase and Citi.... I even reconned requesting a $500 starter limit just to get my foot in the door.

Nope... denied.

Never had a Chase/Citi card in my life. They are without a doubt 2 of the least BK friendly banks out there. If they won't give someone a chance who has never done business with them I don't see anything good happening for those who burn them.

Of course, at the end of the year when everything falls off my reports and my scores jump well into the 700's I'm sure both will be throwing cards at me.

Re: People Who Burned Chase/Citi and Made up - GIH!!

GoldSorata — Tue, 23 Jun 2015 13:12:38 GMT

I had a couple cards with Chase that were charged off back in 2007-2008. Total amount was almost $10k.

I just recently opted in and I'm getting a an offer on their prequal site for a Freedom.

Re: People Who Burned Chase/Citi and Made up - GIH!!

Anonymous — Tue, 23 Jun 2015 13:58:09 GMT

Seezar....for the greater good of mankind (mainly me!!) please apply for that Freedom and let me know if you get it!!

Re: People Who Burned Chase/Citi and Made up - GIH!!

Anonymous — Tue, 23 Jun 2015 14:11:50 GMT

@TRC_WA wrote:
@Anonymous wrote:
Any recent Chase burners care to share their story and the time it took them to make up with them?
People Who Burned Chase/Citi and Made up - GIH!!

Yeah... good luck with that.

I'm 6+ years out of Ch 13... everything falls off my reports in a matter of months... I've rebuilt a solid profile without the handouts from NFCU and have had 0 luck getting an account with Chase and Citi.... I even reconned requesting a $500 starter limit just to get my foot in the door.

Nope... denied.

Never had a Chase/Citi card in my life. They are without a doubt 2 of the least BK friendly banks out there. If they won't give someone a chance who has never done business with them I don't see anything good happening for those who burn them.

Of course, at the end of the year when everything falls off my reports and my scores jump well into the 700's I'm sure both will be throwing cards at me.

I had a similiar situation when I applied with my Chapter 13 still showing. It has only been off since the end of April and I have been curious about Chase. I am following this thread closely. I really dont need one of their cards now as I have the portfolio I wanted, but still curious.

Re: People Who Burned Chase/Citi and Made up - GIH!!

visorboy1974 — Tue, 23 Jun 2015 14:43:30 GMT

I waited about 7 years to get back in with Chase after burning them for well into the 5 figures.

BK7 in early 2006, application approved on recon in late 2012.

United MileagePlus Club Visa was what I got approved for.

Re: People Who Burned Chase/Citi and Made up - GIH!!

Berk — Tue, 23 Jun 2015 16:25:21 GMT

Took me 15 years to get back in with Citi after a charge off. I had no luck with Citi until they took over the Best Buy credit card from Capital One. about 6 months later I started gettin pre quals in the mail. Apped for the Thank You card and was approved with a SL of 2.5K

Re: People Who Burned Chase/Citi and Made up - GIH!!

GoldSorata — Tue, 23 Jun 2015 19:56:25 GMT

@Anonymous wrote:
Seezar....for the greater good of mankind (mainly me!!) please apply for that Freedom and let me know if you get it!!

I'm tempted to but that card doesn't really fit in to my plan at the moment and the $200 bonus expires after today.

Re: People Who Burned Chase/Citi and Made up - GIH!!

SunriseEarth — Tue, 23 Jun 2015 20:36:35 GMT

I've never had a Chase account. Citi was IIB when I filed in 2005. I was able to get back in in November for Double Cash (however, the initial CL and APR after promo were terrible). My Citi account that was IIB fell off my CRs long ago.