@Primalorbit wrote:
I am going to try and make this short and sweet. I recently fixed my credit, i had some challenging times around 2012 with my divorce and the cards that i had. My credit score now is at 738, i recently took a 14 point hit due to applying for a new card and my utilization went from 1% to 11%. As of now i have 2 cards opened in 8/21. I have a discover it which has a 4000 dollar cl. And an amex blue cash which had a 2k limit, and i just did a CLI to 5k 3 days ago. The most recent card i opened was a citi double cash card which i got approved for with a 14,600 dollar limit and that was opened last friday,i have still yet to get the card.
So this is my delimma i want a chase card but back in 2012 it was a card i defulted on,everything has been fixed on my credit report and that card no longer shows up/reports. The last thing i saw was a dispute with them on my credit report in 2016. Do you think if i apply with chase they will deny me a credit card due to my default back in 2012 even though nothing is on my credit report at this point with them? I dont know what kind of deep dives they do on there end and what they keep on record and for what period of time. I dont want to apply and get a hard inquiry and be denied. Also i want one other cash back card if you guys have any good suggestions on cards that are "visa" that would be great. I am only missing a visa in my wallet at this point. Also i most likely wont be applying for the chase card until 6 months out so sometime in june. Thanks for all your help.
Hi and welcome to the forums, @Primalorbit
When you say "fixed" do you mean you paid them back or did the chargeoff fall off your reports? I ask because Chase will go back many years on their internal records to see if you have ever had any negative priors with them. If it has since been paid off your chances sit better than if you just let the debt come off your reports because Chase has a very long memory with this. In either case the only way to know is to apply and find out which will take a few hardpulls most of the time. They'll let you know if you get declined due to a prior relationship issue. You can possibly recon the denial if that happens either way but you'll have better chances if you paid it off. YMMV as always
As for another cashback card that's Visa flavored I would take a look at the Bank of America Cash Rewards card. The earning structure is very flexible and no AF to speak of. With your scores I wouldn't seeing you have much issues though the number of apps you have gotten approved for might raise some flags. If the same plan applies to waiting six months in June if Chase is a no go then I would do that for this card as well
