topic Re: Does Chase blacklist? in Credit Cards

Does Chase blacklist?

tennisfan78 — Tue, 04 Dec 2012 19:10:25 GMT

About 7-8 years ago, I used to have a providian visa account with a credit limit of $1500.

Due to unfortunate circumstances, i couldnt pay the balance and it went to a collection agency. It is no longer listed on my credit report.

I have been working on rebuliding my credit for the past few years.

I currently have BOA Cash rewards --- $3000 CL, US Bank Cash+ ---- $5000 CL, Capital one Platinum (rebuilder card) - $750 .

I would like to add chase to my list of credit cards. Wondering if my past problems with providian will limit my chances with Chase.

Does any one know if Chase blacklists if you have burned them(or providian) in the past?

Re: Does Chase blacklist?

distantarray — Tue, 04 Dec 2012 19:14:27 GMT

for a charge off that old probably not, even if they do you shouldn't get a hard inquiry if your blacklisted in most cases. but Chase is usually good with goodwill requests and only TRULY blacklists if you try to cheat them intentionally like manipulating the rewards system.

Re: Does Chase blacklist?

Anonymous — Tue, 04 Dec 2012 21:43:27 GMT

I do not believe they do. I have a BK with Chase included 4 years ago and they approved me for a Slate card last month.

Re: Does Chase blacklist?

Brian_Trying_700 — Wed, 05 Dec 2012 03:13:15 GMT

They do for 10 years. If you are on the black list and get denied it will be a soft pull. Been there and done that. I am more responsible now.

Re: Does Chase blacklist?

tennisfan78 — Wed, 05 Dec 2012 03:49:18 GMT

Thanks for the tips friends.

Does chase offer secure credit card? If they do, I wouldnt mind going that direction.

Re: Does Chase blacklist?

Anonymous — Wed, 05 Dec 2012 04:11:24 GMT

@tennisfan78 wrote:
Thanks for the tips friends.

Does chase offer secure credit card? If they do, I wouldnt mind going that direction.

no they dont. they have the liquid but thats a prepaid card

Re: Does Chase blacklist?

tennisfan78 — Wed, 05 Dec 2012 04:33:08 GMT

okay, Thanks!

Re: Does Chase blacklist?

MountainHiker — Wed, 05 Dec 2012 07:33:44 GMT

Only way to know for sure is to app for a card with them. I have a unpaid chase card and 8 years later they were kind enough to give me another chance.They did mention my previous unpaid card and I had to explain why I did not pay that bill. It took calling chase at least 4 attempts before finding a customer rep that was cool enough to open an account for me.My starting limit is only $500 but the opportunity to built is now possible. Try hard and much is possible.

Re: Does Chase blacklist?

learnin113 — Wed, 05 Dec 2012 11:08:07 GMT

YES

Re: Does Chase blacklist?

BaraRara1979 — Wed, 05 Dec 2012 13:52:48 GMT

I applied for a Freedom card last week. Called a couple days after applying, denied for an old charge off from '99!

Re: Does Chase blacklist?

Anonymous — Wed, 05 Dec 2012 14:34:50 GMT

I burned providian 12 years ago for 3k. This was when I was young and didn't understand credit. They charged it off. Last month I was approved for the CSP 6.9k and Slate for 6k so no they don't.

Re: Does Chase blacklist?

Anonymous — Wed, 05 Dec 2012 16:00:30 GMT

I forgot the most important part. I'm currently paying a judgement for this debt. They won the judgement a long time ago and I never knew about this until may of this year when they began to garnish my wages. The judgement is not on my credit report. So I would say it is safe to assume they do not blacklist.

Re: Does Chase blacklist?

tennisfan78 — Thu, 06 Dec 2012 03:35:43 GMT

@Anonymous wrote:
I forgot the most important part. I'm currently paying a judgement for this debt. They won the judgement a long time ago and I never knew about this until may of this year when they began to garnish my wages. The judgement is not on my credit report. So I would say it is safe to assume they do not blacklist.

Thanks for the responses. I have a paid judgement on my credit report (with Capital one though). US Bank and BOA were kind enough to open accounts for me, although they asked me to about the judgement. They were ok with it as it was paid.

I guess the only way to find out about Chase is to apply and see what happens. I have one hard inquiry falling off my report at the end of this month. I will check what my scores are like and then decide if I should go for it.