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Chase auto declines if BK is on record. You must call in to recon if you want to be approved. The person you talk to will either flat out decline or send it on with a "recommendation to approve". A senor UW then touches the file to make sure everything is ok looking and approves or denies. What you are going through is totally normal for someone with a BK showing.
Good luck!
@TS11 wrote:I applied (out of impulse) for the Amazon Visa Sig, denied. So I got the letter so I called the backdoor number (Thank you, community) and got a super nice rep. She asked me questions on what led to my BK (02/08) and even my 30 and 60 day lates (approx 3 accounts from 2012)... She went waaaaay back! After approximately 30 minutes going through all of this, she said I would have to wait 1-2 weeks for the "final review.' I asked for a recon for any CHASE card, not just the signature. The reason why I decided to go the Amazon Sig in the first place was because I am on an app spree and had success with Amex, Discover, and 2 USAA; I will garden now.
Anyone ever been in this situation; any luck with the recon? Thanks for any input.
as of 02/10/16 post app spree: EX 611 | EQ 614 | TU 620.
I just got approved for the chase freedom card, i had to do a recon. after all of that they sent it on for final approval and the other day i was checking my bank accounts on chase and saw that i was approved. super, stoked. the guy told me pretty much everyone with a bk showing goes to final approval and if your past looks good you should get it. i cleaned up my report ebough in less than four years and got in. good luck and hope you get it.