topic Re: Chase after bk in Credit Cards

Chase after bk

kugel — Thu, 31 Jan 2019 20:12:21 GMT

To get in to chase back after a bk is five years
is it CalculatedI from wen filed or from wen it was discharged?
Also it’s my understanding that it’s even I included them in the bankruptcy Am I correct?

Re: Chase after bk

Anonymous — Thu, 31 Jan 2019 20:45:15 GMT

@kugel wrote:
To get in to chase back after a bk is five years
is it CalculatedI from wen filed or from wen it was discharged?
Also it’s my understanding that it’s even I included them in the bankruptcy Am I correct?

From what I have read here, if you have a BK on your reports it is an auto denial.

Re: Chase after bk

kugel — Thu, 31 Jan 2019 20:47:37 GMT

Yea but after five years is ok to get in

Re: Chase after bk

FinStar — Thu, 31 Jan 2019 21:35:32 GMT

OP, as mentioned above, the presence of BK on your CRs will automatically decline the application.

I believe that you might be mixing up AmEx with Chase. In the past, Chase was a little more flexible with BK, not so anymore. And, while there may be an exception here or there, the majority of applications will be declined.

By the way, if uncertain, you can always try applying and provide DPs. We like DPs and GPs 😄

ETA - if you IIB Chase, you might as well be prepared to be in purgatory for a very, very long time. The blacklist is real.

Re: Chase after bk

AverageJoesCredit — Thu, 31 Jan 2019 21:42:49 GMT

Chase is not Navy, just ask Mr 5/24, Sr. Double App, and Mrs All CardsIncluded

Re: Chase after bk

AverageJoesCredit — Thu, 31 Jan 2019 21:43:39 GMT

Oh wow, Congrats @FinStar at making the Mod Squad. Something looked different

Re: Chase after bk

kugel — Thu, 31 Jan 2019 21:56:30 GMT

I included chase big time yes

Re: Chase after bk

kugel — Thu, 31 Jan 2019 22:12:25 GMT

So Amex if I did include them
How long wait is it ?

Re: Chase after bk

Remedios — Thu, 31 Jan 2019 22:16:51 GMT

@kugel wrote:
So Amex if I did include them
How long wait is it ?

Till you're no longer blacklisted

There is no magic number there

Re: Chase after bk

Anonymous — Thu, 31 Jan 2019 22:16:52 GMT

@kugel wrote:
So Amex if I did include them
How long wait is it ?

Now that one I believe is 5 years minimum. There will be no guarantee to ever get back in with them if they were IIB. Some have got lucky and I remember reading about 1 member that is well over the 20 year mark and hasn't been able to get back in.

Re: Chase after bk

kugel — Thu, 31 Jan 2019 22:28:14 GMT

So chase is forever ? If iib?
How about Citi bank?

Re: Chase after bk

Anonymous — Thu, 31 Jan 2019 22:27:15 GMT

@AverageJoesCredit wrote:
Oh wow, Congrats @FinStar at making the Mod Squad. Something looked different

Re: Chase after bk

AverageJoesCredit — Thu, 31 Jan 2019 23:28:51 GMT

Citi is usually 7 years but i maybe wrong. Though i do know they usually forgive faster than Amex or Chase.

Re: Chase after bk

FinStar — Thu, 31 Jan 2019 23:36:58 GMT

@kugel wrote:
So chase is forever ? If iib?
How about Citi bank?

Chase can be, well...a long time. First, your BK has to drop off to even consider applying. Then, once you clear that hurdle (~10 years), you can try. Since Chase has the memory of an elephant, and if IIB, the reconsideration process would likely be the approach (if declined).

Citi core cards (TYP, Costco, AAdvantage, etc.) - if you IIB, that can take a very long time - no set period. Some folks who IIB have gotten back in within 5-6 years, others remain on the naughty list beyond 10 years. Citi Retail cards like Home Depot, Best Buy, Sears (if they're still around then) are usually a bit more lenient, not always though.

Any others on your list @kugel ?

Re: Chase after bk

kugel — Thu, 31 Jan 2019 23:56:59 GMT

Thanks
Thanks god navy penfed cap one and discover saved me a total of 180k available credit
Yea what about Bofa , Barclays ,?

Re: Chase after bk

FinStar — Fri, 01 Feb 2019 00:23:48 GMT

@kugel wrote:
Thanks
Thanks god navy penfed cap one and discover saved me a total of 180k available credit
Yea what about Bofa , Barclays ,?

If Barclays was IIB - not much of a chance. Although, there's been some rare reports of individuals being able to get back in. Worse case scenario, you can try them. If still on the naughty list, it will be a SP.

BoA can be forgiving, whether you IIB or the presence of BK. So, there may be a ray of hope with them. If IIB, it's whenever they want to let you play in their sandbox. HP no matter what when you apply.

My suggestion is to nurture those that you have now and treat them well.

Re: Chase after bk

AverageJoesCredit — Fri, 01 Feb 2019 01:49:47 GMT

What's Credit One's stance if you never included in your profile?

Re: Chase after bk

kugel — Fri, 01 Feb 2019 02:50:28 GMT

Explain please the question?
If I included credit one ?

Re: Chase after bk

KingPredator — Fri, 01 Feb 2019 06:06:08 GMT

I’m 3 years post bk7 and scores all above 700 and bofa declined me for their cash rewards card .

Re: Chase after bk

Anonymous — Fri, 01 Feb 2019 06:35:17 GMT

@FinStar wrote:
@kugel wrote:
Thanks
Thanks god navy penfed cap one and discover saved me a total of 180k available credit
Yea what about Bofa , Barclays ,?
If Barclays was IIB - not much of a chance. Although, there's been some rare reports of individuals being able to get back in. Worse case scenario, you can try them. If still on the naughty list, it will be a SP.

BoA can be forgiving, whether you IIB or the presence of BK. So, there may be a ray of hope with them. If IIB, it's whenever they want to let you play in their sandbox. HP no matter what when you apply.

My suggestion is to nurture those that you have now and treat them well.

BoA doesn’t blacklist? I burned them for about $8K so not a huge amount but I figured I would never be able to get a card with them again.

I burned BoA and US Bank in my BK. US Bank got burned for a CC and a checking reserve line so I think I’ll be on the naughty list a long time but BoA might be worth a shot when I’m slightly less LOL/24 and 700 across the board.