Applying after BK

[Anonymous]

After 6 years of my Bk and rebuilding my credit it has paid off, the only thing is I had applied for chase freedom and was declined the reason besucase in my credit report appears Bk I guess their formula is different than other companies to approve you, as of today my fico exp 710, trans 698,eqfx 696, payment history %100, credit usage 6%, can some one tell me what has to be done in my side to get approve with chase

[imaximous]

Did you call and ask for a recon? I got denied for both the Amazon and FU cards when I applied. I called both times and got them to approve the cards with a very tiny limit of $500. But at least I got them approved. When I applied for the Amazon card, I was at 6 years from BK7, and this year I applied for the FU at 7 years, and also got it approved on recon.
I burned Chase in my BK7 for at least 5K.

[Anonymous]

Thank you for your fast respond , yes I did call twice for recon, the first time they told me the Bk shows in my CR, then I called again and I told them that I have a long time relationship with chase then the lady asked my daily valance $15000 and after all the questioning she dinied me

[Anonymous]

as Of today
Capital one venture $20,000
Amex blue cash. $5,000
Amex everyday $ 11,000
Amex delta $ 3,70”
Sony $5,300
Citi Costco 6,800
Discover it 3,300
BOA 2,000
I don’t understand why chase won’t approve me

[imaximous]

People tell me I'm lucky because it's hard to get a Chase card with a BK showing, and I got approved for 2.
I can't get an AmEx because I'm blacklisted, and you have 2 with decent limits.
Sometimes you just have to get lucky with the analyst who picks up the phone. I've had some who wouldn't even let me talk and simply said to me, "there won't be any reconsideration for you at this time." No other explanation or comment, and just told me to have better luck the next time around.

[Anonymous]

I guess I’m giving up with chase, maybe the
the next time I be lucky

[Anonymous]

Did you burn Chase in BK? If not I would be persistent in reconsideration until I got someone sympathetic. Sometimes persistence pays off.

[CreditCuriosity]

Did you IIB chase?  Some lenders if you did are harder to get back with.. Although Chase has recently been known to have a new policy if you have a BK on your file the will not consider a recon this came about around 4 months ago approx?  I have hear mixed stories whether this is true or not being if BK on file then no overturning recon.  Sure others will weigh in.  Although if you IIB them that is a whole another story and they might hold a very long grudge.  If you did include them in BK you can offer to pay them back although you aren't required if you want them back that badly as that might help.  Certainly helps with Amex, and other lenders like NFCU, etc.. 

[Anonymous]

Never had one

[imaximous]

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wrote:
I guess I’m giving up with chase, maybe the
the next time I be lucky

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I wouldn't give up. If you want my advice, I'd say focus on all those cards you have already and grow them as much as possible. Then, if you still want a Chase card down the road, apply again and you'll have a stronger profile to show. Just make sure not to apply to too many cards before that happens and remember the Chase 5/24 rule (which may or may not be the same rule).