topic Re: Closed Account Question in Credit Cards

Closed Account Question

Larkfield — Sat, 29 Jun 2013 17:20:51 GMT

Looking to apply for new credit. 5 years ago I had a Chase card closed for past due balance. I paid off the entire balance 4 years ago. Does that pretty much make me inelligible to apply again for a Chase card today?

What about when it falls off my credit report?

Thanks in advance.

Re: Closed Account Question

09Lexie — Sat, 29 Jun 2013 18:13:51 GMT

Welcome to the forum! Since it was eventually paid its not a deal breaker. However, Chase has a long memory and they might weigh the past late against you even if its off your cr. if everything else is pristine you might have a shot

What cc? Any baddies?

Re: Closed Account Question

Larkfield — Sat, 29 Jun 2013 18:20:06 GMT

Thanks. My last negative mark was 4 years ago. I wonder since I have a banking relationship with WF that should just apply with them. Based on my score, do you suggest any other cards?

Re: Closed Account Question

09Lexie — Sat, 29 Jun 2013 18:30:04 GMT

What kind of cc are you looking for? Travel, cash back, etc?

Re: Closed Account Question

Larkfield — Sat, 29 Jun 2013 18:39:17 GMT

Either. Current have 2 open Capital One's with a total of a $1700 CL. Basically have tried in the past to get limit increases but they have replied that the card is not eligible. I have seen the threads on the executive office and will try that route as well, but basically Im looking for an alternative to capital one and a reward card would be nice but not a deal breaker.

Much appreciated.

Re: Closed Account Question

09Lexie — Sat, 29 Jun 2013 19:04:54 GMT

Definitely email the EO for a CLI. Do you do a lot in grocery shopping, gas, Amazon purchases?

Re: Closed Account Question

Larkfield — Sat, 29 Jun 2013 19:25:03 GMT

Thanks. Yes to all...