topic Re: Worth a recon with Chase? in Credit Cards

Worth a recon with Chase?

Anonymous — Wed, 28 Mar 2012 02:38:59 GMT

I have good credit and fico scores over 740 aross the board but in the past a little over 7 years ago I had a chase card that was CO for around 4k but paid immediately 3 months after CO. Bad time in my life. That passed 7 years and was removed from my CRA reports and no derogs on any of my reports. I just apped for a chase freedom but got denied for past delinquincy with chase. I thought I might take a chance with them since it was paid off. Would reconing with them get me anywhere? Or do they blacklist for life? I might have gotten instant approval if I did not app on Saturday night when there site was down. I know this cause I bank with them and had a notice on the site that the site was down due to maintanance. I apped on Saturday night but got the "your app needs further review" message when the site was down and they did not pull my report till Monday. They probably did a manual review when they pulled it. So is a recon going to get me anywhere since they stated "past delinquincy with chase" as the reason for denial?

Re: Worth a recon with Chase?

Anonymous — Wed, 28 Mar 2012 02:47:15 GMT

@Anonymous wrote:
I have good credit and fico scores over 740 aross the board but in the past a little over 7 years ago I had a chase card that was CO for around 4k but paid immediately 3 months after CO. Bad time in my life. That passed 7 years and was removed from my CRA reports and no derogs on any of my reports. I just apped for a chase freedom but got denied for past delinquincy with chase. I thought I might take a chance with them since it was paid off. Would reconing with them get me anywhere? Or do they blacklist for life? I might have gotten instant approval if I did not app on Saturday night when there site was down. I know this cause I bank with them and had a notice on the site that the site was down due to maintanance. I apped on Saturday night but got the "your app needs further review" message when the site was down and they did not pull my report till Monday. They probably did a manual review when they pulled it. So is a recon going to get me anywhere since they stated "past delinquincy with chase" as the reason for denial?

I wish you were around to see the Chase blacklist thread (very recent). The only chance of getting a Chase card is limited to a Slate card. Yes definately recon! The worst they can say is No. But you took the hit so try your best to get back in with them.

Re: Worth a recon with Chase?

Anonymous — Wed, 28 Mar 2012 03:01:31 GMT

I would definitely attempt a recon. You took a hit for applying, so you might as well burn that inquiry into the ground. I was never successful with Recon's at Chase, but I hope you can say different! Good luck! Fingers crossed!!

Re: Worth a recon with Chase?

Anonymous — Wed, 28 Mar 2012 15:53:12 GMT

Same situation as your past.

I apped for one Chase, denied; then another, denied; then the Slate dnied. All online.

With the Slate I actually read the letter they sent concerning this one and saw that I had a "duplicate account" or something along those lines.

So I looked up a number on the sticky thread and called in. I figured that one of my prior denials may have been an approval and now I was gonna get my card yo!

Nope. The account was a CO from way back. Vaguely even remember having a Chase lol. But recon/review and the Slate arrived about a week later.

It's an In as far as I'm concerned for a different Chase in the future.

Re: Worth a recon with Chase?

Anonymous — Wed, 28 Mar 2012 16:10:50 GMT

yes call for sure they are very nice

Re: Worth a recon with Chase?

boomhower — Wed, 28 Mar 2012 16:13:16 GMT

Definately recon. You took the hit so you have nothing to loose at this point.

Re: Worth a recon with Chase?

LS2982 — Wed, 28 Mar 2012 16:15:33 GMT

@Anonymous wrote:
@Anonymous wrote:
I have good credit and fico scores over 740 aross the board but in the past a little over 7 years ago I had a chase card that was CO for around 4k but paid immediately 3 months after CO. Bad time in my life. That passed 7 years and was removed from my CRA reports and no derogs on any of my reports. I just apped for a chase freedom but got denied for past delinquincy with chase. I thought I might take a chance with them since it was paid off. Would reconing with them get me anywhere? Or do they blacklist for life? I might have gotten instant approval if I did not app on Saturday night when there site was down. I know this cause I bank with them and had a notice on the site that the site was down due to maintanance. I apped on Saturday night but got the "your app needs further review" message when the site was down and they did not pull my report till Monday. They probably did a manual review when they pulled it. So is a recon going to get me anywhere since they stated "past delinquincy with chase" as the reason for denial?
I wish you were around to see the Chase blacklist thread (very recent). The only chance of getting a Chase card is limited to a Slate card. Yes definately recon! The worst they can say is No. But you took the hit so try your best to get back in with them.

I would recon!

Re: Worth a recon with Chase?

Anonymous — Wed, 28 Mar 2012 16:38:20 GMT

Do the recon, explain what happened.

Re: Worth a recon with Chase?

LS2982 — Wed, 28 Mar 2012 19:36:01 GMT

@Bluehaze Fill us in if they approve you!!