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Amazon Prime Signature Visa 7 Years After BK

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Re: Amazon Prime Signature Visa 7 Years After BK


@RamblingDaveyAlex wrote:

I had BK discharged 12/2014 and received Chase approval through Recon in August, put a post up about it. They asked a lot of questions etc., but I got the approval Smiley LOL


@Remedios wrote:
Hi and welcome to the forums

Chase will automatically deny with BK on file, regardless of how old.
I'm not convinced you'll have any luck with recon, but good luck

 


While that may have been the case, your $500 approval is likely bucketed based on the judgemental override.   It is unlikely to grow until 2024 unless that seems to be adequate or a fair trade based on your specific situation.

 

That said, and as mentioned further upthread, BK approval overrides are very rare.  Personally, I would want to be in the most optimal position to get approved so as not to be in purgatory with a $500 CL for several years.  

Message 11 of 14
Valued Contributor

Re: Amazon Prime Signature Visa 7 Years After BK


@FinStar wrote:

@RamblingDaveyAlex wrote:

I had BK discharged 12/2014 and received Chase approval through Recon in August, put a post up about it. They asked a lot of questions etc., but I got the approval Smiley LOL


@Remedios wrote:
Hi and welcome to the forums

Chase will automatically deny with BK on file, regardless of how old.
I'm not convinced you'll have any luck with recon, but good luck

 


While that may have been the case, your $500 approval is likely bucketed based on the judgemental override.   It is unlikely to grow until 2024 unless that seems to be adequate or a fair trade based on your specific situation.

 

That said, and as mentioned further upthread, BK approval overrides are very rare.  Personally, I would want to be in the most optimal position to get approved so as not to be in purgatory with a $500 CL for several years.  


 

+1

 

That’s why it’s better to just wait for bk to fall off before app’ing rather than be bucketed at that $500 for a looong time. 

It’s not worth to be skinned and grilled for 45+ mins only to be tossed in that purgatory bucket!!! 

We’ve had a couple of posters in the past who ended up just closing the card for that said reason.

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 12 of 14
Regular Contributor

Re: Amazon Prime Signature Visa 7 Years After BK

Wow!  Looks like you have really bounced back from bankruptcy, very unusual, and not typical, but great that you have been able to do that.

Message 13 of 14
Valued Contributor

Re: Amazon Prime Signature Visa 7 Years After BK

So I got this card 4 years after BK with a $500 CL which Chase refused to raise despite my using the entire CL and paying in full for one year with perfect payment history. I wrote Chase EO a not so nice letter and closed. I now use my AX business Prime with a 20k CL.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX Bonvoy Business 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Hilton Honors Business 10k (AU), AX Delta Air Platinum 15k, (AU) AX Platinum Amerprise charge card (AU), AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , Discover (2) 16k, Kohls-4k, VS Comenity $2k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $8k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Go Rewards 35.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target 2k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 740,TU 748,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 14 of 14
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