@Anonymous wrote:If you are prepared to spend 45 minutes minimum pleading your case while being interrogated about your finances and you're okay with having a $500 limit that won't grow without HPs after your BK is gone, I would attempt the recon.
Sooooo.....what I hear you saying is Chase isn't really worth my time, yes? Got it! 😂
@Anonymous wrote:
@ReturnOfTheCredi wrote:
@Anonymous wrote:If you are prepared to spend 45 minutes minimum pleading your case while being interrogated about your finances and you're okay with having a $500 limit that won't grow without HPs after your BK is gone, I would attempt the recon.
Sooooo.....what I hear you saying is Chase isn't really worth my time, yes? Got it! 😂
Not saying that at all. I'm saying that it's a lot of work from what I've seen of the few who got a recon and the lowest limit they issue. It's up to you to decide from there. I personally could make a $500 Amazon card work most of the time but since Synchrony has their card, I just have that until my BK is gone. And likely long after since Amazon isn't a card that Chase adds to their card offers in Credit Journey that bypass 5/24 either.
I hear you. My thing is, like you, I've already got the Synchrony Amazon card which is more than adequate for my needs. I only attempted the Chase variant for the instant $70 credit on my purchase of two ecobee thermostats. Outside of that, I would doubt I'd ever use the card, especially with such a low limit. My Propel (which is already lower on CL than I prefer at $3k) is my current go-to for daily spending as its reward structure is really the best and most versatile for our spending habits. The Venture and Savor are also both really good (and I use those where Amex isn't accepted), plus you can use their reward points directly on Amazon now, too. There's just too many options out there to spend a lot of time trying to get the Chase card just to have it. If they don't want my measly $2,200 a month of discretionary spending, then I'm happy to stick with the creditors who looked at my complete credit profile after my BK and decided they still wanted my business.
BKs aren't great, but not everyone's is the same. Sure, there are some deadbeats with no control over their spending out there, but some folks hit a rough patch or have otherwise extenuating circumstances that result in such an action, yet have have an otherwise spotless history. The latter is me and I'm happy that companies like Cap1 were willing to take a chance on me. In the 7+ years since they took me in, I don't think they've regretted it. Plus, their app and customer service, in my experience, has blown everyone else away (and I had and my wife still has Amex, Chase, Citi, etc). If they could beat the Propel on rewards, they'd still be my daily spend choice.
Gotcha. Yes, that's the aggregate. I'll have to look when I have a second. Since I'm using the WF for my daily spend now and it's got a much lower limit than my other go-to's, that's definitely higher. Those thermostats plus some other items have the Amazon card at a little under 50%, I think. My Savor is at ~30%. The Savor and the Amazon will both get paid off in the next month or so. Propel will get close to 80% before I pay it off at the end of the month.