topic Re: Totally on the Chase Blacklist! :( in Credit Cards

Totally on the Chase Blacklist! :(

pizza1 — Sat, 05 Jul 2014 04:57:02 GMT

History.... Chase CO years ago, should be falling off end of this year... Also had a BK last year that Chase was IIB. So, for sh**s and giggles, I went to the Chase pre-qual cc site, plugged in all my info, and instantly a message popped up that read basically this...." We couldn't find any offers for you at this time, you may be opted out etc.....". This is the only prequal cc site that gives me that message. All the others just say we can find any preapprovals offers at this time, but we recommend these cards to you". Chase didn't recommend any and no pictures of CC's even showed on the screen, just the message lol!!! I'm totally NOT surprised, they were burned badly. Might be 10 yrs before I get a freedom with a $300 CL. Oh well.... I have a better chance of getting Discover and Amex long before Chase. Never burned them ever

Re: Totally on the Chase Blacklist! :(

heyarrnold — Sat, 05 Jul 2014 04:58:57 GMT

I always receive that message, and I have never burned them lol. And I was approved for the CSP and Ink Plus without a problem.

Re: Totally on the Chase Blacklist! :(

pizza1 — Sat, 05 Jul 2014 05:01:27 GMT

Heyarronold..... Really?? Lol!! I thought it was just me! I mean, it propably is, and I'm for sure blacklisted due to my history with them.

Re: Totally on the Chase Blacklist! :(

heyarrnold — Sat, 05 Jul 2014 05:07:01 GMT

@pizza1 wrote:
Heyarronold..... Really??Lol!! I thought it was just me! I mean, itpropably is, and I'm for sure blacklisted due to my history with them.

Lol, yes. I also get that same message for BOA. I actually never get pre-qualified offers hahahah.

So I just took the bullet, applied, and was approved. CSP was a bit over a year now, and the Ink Plus was this past April.

You may be. But you'll never know until you try and apply again in the near future. ^_^

Re: Totally on the Chase Blacklist! :(

pizza1 — Sat, 05 Jul 2014 05:10:49 GMT

Probably wont happen for about 8-9 yrs, lol. I might try after my bk falls off reports. I actually have a much better chance at getting approved for Amex or discover with my bk still showing than chase right now. But I'm in the garden for the next 3-4 yrs. lol

Re: Totally on the Chase Blacklist! :(

heyarrnold — Sat, 05 Jul 2014 05:15:20 GMT

I am sure it will happen again

And wow, that is some dedication! Cheers to you. I am not applying for another credit card until Jan/2015 (<---- And I thought this was a bit long LOL.)

Re: Totally on the Chase Blacklist! :(

pizza1 — Sat, 05 Jul 2014 05:22:23 GMT

Well, I'm in my rebuilding stages right now. The best thing for me to do is is garden, and let ALL inquiries age off reports (2 yrs from now)... And garden the cards I have. I will reassess at that time. But I will only be 3 yrs post bk when that happens, and that is still considered new.

Re: Totally on the Chase Blacklist! :(

heyarrnold — Sat, 05 Jul 2014 05:27:44 GMT

@pizza1 wrote:
Well, I'm in my rebuilding stages right now. The best thing for me to do is is garden, and let ALL inquiries age off reports (2 yrs from now)... And garden the cards I have. I will reassess at that time. But I will only be 3 yrs post bk when that happens, and that is still considered new.

Completely agree! And it will definitely pay off in the end

Re: Totally on the Chase Blacklist! :(

coldnmn — Sat, 05 Jul 2014 07:39:27 GMT

@pizza1 wrote:
Probably wont happen for about 8-9 yrs, lol. I might try after my bk falls off reports. I actually have a much better chance at getting approved for Amex or discover with my bk still showing than chase right now. But I'm in the garden for the next 3-4 yrs. lol

Good Luck with that at least 16 years for me and a no go.

Re: Totally on the Chase Blacklist! :(

nachoslibres — Sat, 05 Jul 2014 12:36:22 GMT

A BK with Chase included is most likely going to result in not having a relationship with them again. I know I have read of some people having success, but then others like coldnmn not. There might be a slight chance if you end up getting a Checking account with them and establish a good relationship that they MAY approve you down the road but I've also heard that a banking relationship with them has no bearing on credit card approvals. So I guess in the end, who knows, but I would think at this point you have a 100% chance of being told no.

Re: Totally on the Chase Blacklist! :(

Rain77 — Sat, 05 Jul 2014 12:47:15 GMT

I am sooooo on Chases blacklist, cause they told me so Last denial reason was past history (it was bad). A prior app last year didn't indicate past year history, so thought I had a chance. I still have a settled Chase account on my CR, but I won't try again with Chase for a few years if I feel a need.

Re: Totally on the Chase Blacklist! :(

sjt — Sat, 05 Jul 2014 17:03:10 GMT

There have been a lot of folks who have gotten a Chase Card after burning them with a CO or BK. I think it all depends on the progress you made in your credit rebuilding. I read that some got a Chase Card 3 yrs. post bk., the I think the norm is around 5 plus years.

Re: Totally on the Chase Blacklist! :(

ezdoesit — Sat, 05 Jul 2014 17:19:09 GMT

@sjt wrote:
There have been a lot of folks who have gotten a Chase Card after burning them with a CO or BK. I think it all depends on the progress you made in your credit rebuilding. I read that some got a Chase Card 3 yrs. post bk., the I think the norm is around 5 plus years.

+1 I burned them with a charge off eight years ago and last year they bought it up when I was declined for the CSP with credit scores on avg around 680's I just applied for the CSP 1 1/2 months ago approved 19.4k cl credit scores around 770's now. So I don't think it might be about just burning them or they never would of approved me. I would think it your whole credit picture and then their risk level and chances of them getting burned again.

Maybe if I never would of burned them I could of been approved last year with a 700 score but since I did, I might need a much higher score than most to get approved. Just conjecture no hard evidence.

Re: Totally on the Chase Blacklist! :(

sjt — Sat, 05 Jul 2014 18:19:12 GMT

Out of curiosity, I much did you burn them for? Did they sell the debt?

Re: Totally on the Chase Blacklist! :(

ezdoesit — Sat, 05 Jul 2014 19:09:47 GMT

@sjt wrote:
Out of curiosity, I much did you burn them for? Did they sell the debt?

If the question was directed toward me it was like $7400 and a CO.

Re: Totally on the Chase Blacklist! :(

EW800 — Sat, 05 Jul 2014 19:44:01 GMT

I am sure that I am on their black list. I had to do a settlement with them about two years ago. Perhaps I am not banned for life because it was an agree-upon settlement before it went to collections or anything like that, however I am sure they won't even look at me for quite a few years. Perhaps I won't be on the list quite as long because I did not leave them high and dry??