topic Re: chase in Credit Cards

chase

Anonymous — Thu, 10 Dec 2015 00:40:41 GMT

two years ago my checking account was closed due to small balance of 30 dollars i never reopened it being yound and careless... am i able to apply for credit card with them now or will that come back around and hurt me

Re: chase

Discover2016 — Thu, 10 Dec 2015 00:42:28 GMT

@Anonymous wrote:
two years ago my checking account was closed due to small balance of 30 dollars i never reopened it being yound and careless... am i able to apply for credit card with them now or will that come back around and hurt me

When you say it had a balance of $30, do you mean a negative balance?

Re: chase

Anonymous — Thu, 10 Dec 2015 00:44:00 GMT

Yes, i wasnt using it actively so i was charged some type of fee, they sent a letter and the mail stating i owe 30 so they were closing account. This was about two years ago dont remember all the details.. sorry

Re: chase

Anonymous — Thu, 10 Dec 2015 00:45:46 GMT

@Anonymous wrote:
two years ago my checking account was closed due to small balance of 30 dollars i never reopened it being yound and careless... am i able to apply for credit card with them now or will that come back around and hurt me

It will all come down to your internal score with Chase as they rely heavily on it in addition to your credit profile. What you ought to do is go to a chase bank near you and offer to pay the $30. Whilst there, tell the banker you are interested in a card to see if you are pre-qualified. Apply, and if it goes into pending, they can call lending directly and vough for you.

Re: chase

Discover2016 — Thu, 10 Dec 2015 00:46:12 GMT

@Anonymous wrote:
Yes, i wasnt using it actively so i was charged some type of fee, they sent a letter and the mail stating i owe 30 so they were closing account. This was about two years ago dont remember all the details.. sorry

What you should do is request your Chex Systems report, to see if that is reported, which might be an issue if you want to apply for credit or a checking account.

Re: chase

Anonymous — Thu, 10 Dec 2015 00:49:27 GMT

you can go on there for 30 bucks???? woww i will check never though about that before. so banks check chex for credit apps

Re: chase

Anonymous — Thu, 10 Dec 2015 00:50:21 GMT

Great advice, better to pay what you owe before asking for more i guess

Re: chase

Anonymous — Thu, 10 Dec 2015 01:05:06 GMT

@Anonymous wrote:
you can go on there for 30 bucks???? woww i will check never though about that before. so banks check chex for credit apps

None has ever checked my ChexSystems report for a credit app. The only entries are from opening checking accounts.

Re: chase

CreditCuriosity — Thu, 10 Dec 2015 01:32:00 GMT

@Anonymous wrote:
@Anonymous wrote:
you can go on there for 30 bucks???? woww i will check never though about that before. so banks check chex for credit apps
None has ever checked my ChexSystems report for a credit app. The only entries are from opening checking accounts.

Doesn't mean they didn't soft pull it like any other CRA . Not 100% sure, but makes sense to me.

As others have stated go and pay the $30 as it is such a trivial amount and increases your chances considerably. I know if someone paid me back $30 I would be more than likely to lend to them in the future

Re: chase

Anonymous — Thu, 10 Dec 2015 01:52:56 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
@Anonymous wrote:
you can go on there for 30 bucks???? woww i will check never though about that before. so banks check chex for credit apps
None has ever checked my ChexSystems report for a credit app. The only entries are from opening checking accounts.
Doesn't mean they didn't soft pull it like any other CRA . Not 100% sure, but makes sense to me.

As others have stated go and pay the $30 as it is such a trivial amount and increases your chances considerably. I know if someone paid me back $30 I would be more than likely to lend to them in the future

I also have zero soft pulls.