Amazon Visa Card by Chase

[EW800]

Greetings!  

I am considering applying for the Amazon Visa Card by Chase.  My credit scores, shown below, are excellent as I have no debt and pretty high income.  ordinarily I think my approval odds would be high, however my concern is that I got on Chase's We Don't Like You Anymore Naughty List about ten years ago.  I had to do a credit card settlement with them when going through rough times.  I paid them, but they "settled" for about $10K less than what I originally owed them.  I know they have a very long memory and are typically not forgiving, however do we have any idea if they are any more forgiving through something like Amazon than they typically are?   Would it be an instant no, or could there be a chance through a co-brand such as this?  

Thanks!  

[Loquat]

You're right, Chase does have a long memory and have absolutely no problem reminding you of it. With that being said, anything is possible. There have been many of us on their list that have obtained products (in my situation, several products) so there is life after...the question is when they'll allow you to play in their sandbox again...and that's something most don't find out without just app'ing and hoping for the best.

Best of luck you OP and I hope others can chime in with their experience if it'll help you make a more informed decision.

[EW800]

Thanks, Loquat!  

I love your comment of, "have absolutely no problem reminding you of it".  I sure agree with that!  

[blindambition]

Not a lost cause, You paid settlement, aren't showing BK. As long as you're under 5/24, it's surely possible. Might not be a super generous limit to start.

[EW800]

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@blindambition wrote:

Not a lost cause, You paid settlement, aren't showing BK. As long as you're under 5/24, it's surely possible. Might not be a super generous limit to start.

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Thanks, blindambition.  I was wondering if the fact that I fully paid the settlement under the terms, if that may help a bit.  I assume that is (slightly) better than just giving them the finger.   

Do we know if they do a HP on all three?  I current have zero inquiries across the board and wondering which ones may take a hit.  

Thanks again to all!  

[Remedios]

@EW800  they aren't any more forgiving on cobranded cards then they are on core cards, but since there was at least a partial repayment, you might have a chance. 

Out of curiosity, did you try prequal for random core card?

[EW800]

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@Remedios wrote:

@EW800  they aren't any more forgiving on cobranded cards then they are on core cards, but since there was at least a partial repayment, you might have a chance. 

Out of curiosity, did you try prequal for random core card?

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I have done the prequal routine a couple of times and it came back indicating "no offers currently available" or something similar to that.  I assumed that was due to being on their naughty list.  

[FinStar]

Agree with what's been said so far.  If the settlement was fulfilled to mutual satisfaction, then you should be ok to proceed forward.  Chase is not necessarily more lenient just because the product is co-branded vs. a core personal or biz card.   Worse case scenario, if denied (which would be doubtful in your situation OP), then the reconsideration channel should be fruitful.   Try and see how this turns out👍

[blindambition]

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@EW800 wrote:

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@blindambition wrote:

Not a lost cause, You paid settlement, aren't showing BK. As long as you're under 5/24, it's surely possible. Might not be a super generous limit to start.

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Thanks, blindambition.  I was wondering if the fact that I fully paid the settlement under the terms, if that may help a bit.  I assume that is (slightly) better than just giving them the finger.   

Do we know if they do a HP on all three?  I current have zero inquiries across the board and wondering which ones may take a hit.  

Thanks again to all!  

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It will most likely be 2 pulls, but may be 1. Probably EX, and EQ or TU.

[Loquat]

I will echo that the reconsideration line can be an avenue if declined. I had to go that route on my first product with them. Be warned that their interrogation game is strong; be ready for a series of rapid fire questions about your past relationship with them.

The debt I owed was something they acquired by way of Providian who was bought by Washington Mutual which was then bought by them. The debt was well over a decade old by the time I first app'd with them and they still wanted to chat about it.