Amazon Chase Card Denial

[ashjt2011]

Applied for the Amazon Citi Card. I have the Bestbuy Citi Card and just got an auto CLI, so I figured since I shop at Amazon so often, I might as well take advantage of the card.

I applied for it, got the 7-10 day message. Pull Experian, 2 days later pull Equifax and yesterday I recieved the denial letter. It stated I was denied because of "Bankruptcy on Record."

I had a bankruptcy 4 years ago, credit score on my denial letter was 690. Ever since then, I have built up a fair amount of credit ( approaching the 100k club), as well as home loans, car loans and leases, personal loan history (I have a 11k loan I got 1.5 years ago that I have paid down to 3k already).

I know Citi hates bankruptcy but I got an auto approval for the Citi Best Buy card 6 months ago - I wonder why they declined this one. Should I try to recon?

Mod note:  I updated your thread subject to indicate 'Chase' rather than 'Citi'... feel free to edit if you would like.  --UncleB

[Aduke1122]

I'm super confused bc Amazon has two cards one is the store card that is backed by Synch and the other is the Visa which is backed by Chase , Citi does not offer this card

[ashjt2011]

Maybe that is where my confusion comes in. I swear it said Citi, but maybe it was Chase... I know it wasn't the store card and I know it was a Visa.

[austinguy907]

Chase + BK = you need to call them and plea your case.  The computer will auto-deny you every time.

[Anonymous]

I did a internet search for Amazon Citi. This is all I could find. Looks like it's only available in India? Thought it was interesting anyway.

https://www.citibank.com.sg/gcb/credit_cards/amazon_sg-promo.htm

[Aduke1122]

I definitely recommend calling the backdoor for Chase and try a recon , many have had luck doing so on here . When you look at your inquiries it should say who pulled the credit check

[JR_TX]

Amazon US is either Synchrony for the consumer card or Chase for the Visa iteration. It will take one heck of a recon to get in with Chase with BK still reporting and almost a miracle if they're IIB.

[ashjt2011]

Not IIB. So no worries there. I am not on their permanent blacklist, although I have heard Chase is almost impossible to recon. Although, I have been successful with several recon's before. The only recon I have not been successful with is PenFed. I am bummed that I wasted 2 hard pulls for not paying attention. I thought I would be okay when I was thinking it was Citi - I leared my lesson - PAY ATTENTION!

Anyways, I am authorized user on a Chase card, I wonder if that would help my chances with a recon?

[Anonymous]

My recon experience with Chase was pleasant and successful.  I did not include them in my BK, but I did have a significant CO about 8-9 years ago with them.  I was asked quite a few questions about some old dings on my reports and about some current cards.  I was able to get the Marriott approval for $5k on recon.