topic Re: How Do I get a Chase CC ? in Credit Cards

How Do I get a Chase CC ?

superprime101 — Wed, 17 Jan 2024 04:48:47 GMT

Hello myFICO community,

As the title says, my goal is to get approved for a chase credit card (freedom unlimted or freedom flex). Here is a bit of background, I was young , reckless, etc etc and ultimately ran intro trouble and ended up settling a cap1 card for less than full and another one actually still owe balance on, the first one was finalized in 2019 and the latter actually never did anything about it so I guess its still showing owed balance correct ? but its been since 2019 since that one was also shut...this is likely why I am not getting approved by chase correct ? how helpful would it be if I settle the outstanding one as well ? I've also thought about doing a pay for delete on both of those (or at least the outstanding one) I've read that in 7 years charge offs will fall off so am I just better off waiting 2 more years? I have w2 job, and bank with chase , just would like to have a credit card with them too. Any input helps . TY

Re: How Do I get a Chase CC ?

Horseshoez — Wed, 17 Jan 2024 12:17:44 GMT

Chase is pretty conservative and any charge offs or other bad marks are certainly going to hurt you. Since it doesn't sound like you ever burned them, I would suggest you settle any outstanding old debts however you can. If CapOne still owns the debt, I don't believe I've ever heard of them offering pay for delete, but I could certainly be wrong about that. In your shoes, I would clean up the outstanding items on your report and then talk with a banking associate the next time you're in a branch; that will be your best bet to get a card.

FWIW, some of us did in fact burn Chase and ultimately got back in, I burned them for north of ten-grand in my 2015 Chapter 13 and got back in with them 13 months ago, but by then my credit reports were pristine and my scores were 800(ish). What is interesting is the very morning before I opened up my Chase checking and savings account, I checked their preapproval site and the only account type which popped up was a savings account; two hours later I was approved for a CSP, and ended up with a CFU six months later.

Re: How Do I get a Chase CC ?

CreditCuriosity — Wed, 17 Jan 2024 11:35:28 GMT

Either do a PFD(if possible) or just pay it so they don't sue you or wait the 7 years approx for it to go away. They(Chase) likely will not approve you with this mark on your credit report as you echoed shows bad credit behavior and what makes it think it will not happen to them as well. Best of luck.

Re: How Do I get a Chase CC ?

SouthJamaica — Wed, 17 Jan 2024 17:05:24 GMT

@superprime101 wrote:
Hello myFICO community,

As the title says, my goal is to get approved for a chase credit card (freedom unlimted or freedom flex). Here is a bit of background, I was young , reckless, etc etc and ultimately ran intro trouble and ended up settling a cap1 card for less than full and another one actually still owe balance on, the first one was finalized in 2019 and the latter actually never did anything about it so I guess its still showing owed balance correct ? but its been since 2019 since that one was also shut...this is likely why I am not getting approved by chase correct ? how helpful would it be if I settle the outstanding one as well ? I've also thought about doing a pay for delete on both of those (or at least the outstanding one) I've read that in 7 years charge offs will fall off so am I just better off waiting 2 more years? I have w2 job, and bank with chase , just would like to have a credit card with them too. Any input helps . TY

I would imagine you're going to have to get rid of the negatives in your report, one way or the other. As your scores and profile improve, if you stay under 5/24, you should start seeing preapprovals when you're online in the "Just for You" section.

Re: How Do I get a Chase CC ?

coldworld — Thu, 18 Jan 2024 22:41:10 GMT

You may be better served going after a cap one card for now, while you work on your credit. Cap1 offers some great cards to folks with less than stellar credit files.

I have also seen data points here that suggest Chase likes seeing a different lender give you a big CL before they give you one.

Re: How Do I get a Chase CC ?

superprime101 — Sun, 03 Mar 2024 01:34:21 GMT

hey all, sorry for mia - thank you for all the responses....just did my free annual CR from the website....it appears that my 2 cap1 adverse accounts fall off 7/26 ....one was settled for less than full and another one still has a balance (the instituion never came for me i guess thats why i guess i kind of forgot about it and went on my with life, actually the same institution granted me new credit about 2 years ago and even raised my limit and now that account is in good standing)....my question once again is - should I just wait 2 years and hope those adverse marks truly fall off ? or settle the open one and try to get a PFD as well , but then what about the one that I settled years ago, its with the same instituon so should I settle the open one and ask for PFD on that one and the one that was already been settled ? this is frustating...I went to chase and explained my situation and the banker was basically clueless....

Re: How Do I get a Chase CC ?

markhs777 — Sun, 03 Mar 2024 20:00:57 GMT

TBH you are not going to get approved for a Chase card anytime soon

Concentrate on the attainable and bide your time and before you know it you get what you want.

Re: How Do I get a Chase CC ?

Blender — Mon, 04 Mar 2024 13:37:15 GMT

I think everyone already touched on where you should start, but since no one mentioned it, I will. If your goal is a CFF/CFU, likely may not happen right now, but you could try for the Chase Freedom Rise which aims at builders/ lower score profiles and maybe in due time this will have helped strengthen your relationship with them.

Re: How Do I get a Chase CC ?

superprime101 — Wed, 06 Mar 2024 12:48:13 GMT

yes looks like I will just have to wait the 18 months or so...I will settle the other open cap1 charge off too...also i did apply for chase rise last year as soon as it was annouced and got denied...i was surprised too as i bank with chase and have plenty movement in a checking account....

Re: How Do I get a Chase CC ?

NoMoreE46 — Fri, 08 Mar 2024 18:48:32 GMT

@superprime101 wrote:
Hello myFICO community,

As the title says, my goal is to get approved for a chase credit card (freedom unlimted or freedom flex). Here is a bit of background, I was young , reckless, etc etc and ultimately ran intro trouble and ended up settling a cap1 card for less than full and another one actually still owe balance on, the first one was finalized in 2019 and the latter actually never did anything about it so I guess its still showing owed balance correct ? but its been since 2019 since that one was also shut...this is likely why I am not getting approved by chase correct ? how helpful would it be if I settle the outstanding one as well ? I've also thought about doing a pay for delete on both of those (or at least the outstanding one) I've read that in 7 years charge offs will fall off so am I just better off waiting 2 more years? I have w2 job, and bank with chase , just would like to have a credit card with them too. Any input helps . TY

Have you considered the Chase Rise card?

Re: How Do I get a Chase CC ?

superprime101 — Wed, 13 Mar 2024 00:24:04 GMT

i applied for the rise card 2 days after it was annouced 1? 2? years ago and was declined. It looks like i am going to wait 15 months til the record falls off my credit and try. hopefull I will revive this thread july 2026

Re: How Do I get a Chase CC ?

NoMoreE46 — Wed, 13 Mar 2024 00:45:30 GMT

@superprime101 We welcome you to start a New thread come July 2026 as this one may get closed out soon.

You are free to reference your original thread within the new one via this link:

How Do I get a Chase CC ? - myFICO® Forums - 6732922

Re: How Do I get a Chase CC ?

Horseshoez — Wed, 13 Mar 2024 00:48:48 GMT

Once you get back in and your first card ages for about six months you might find you'll be inundated with offerings for new Chase cards. In the 15 months since I got back in I've probably received at least six or seven offers for new cards; the most recent of which was this morning for a Slate Edge. I took advantage of the first offer after I got my CSP and picked up a CFU, but none of the other offers they've sent my way have had any appeal.