Chase Credit Card Pre-approval

[simoncww]

Looking to apply the Chase Freedom Flex but I want to see what are my odds of getting approved first so I went to try their pre-approval tool and I got the following message:  "We can‘t find any offers for you right now. This could be because you‘ve opted out of pre-screened offers or you‘ve recently responded to another offer. Your credit has not been impacted."

As far as I know, my credit report is not frozen from all 3 credit reporting bureau. I even tried a second time with double checking all my spellings and information but still got the same message. I don't think I exceeded the 5/24 rule and my current FICO is 720. I do have a chanpter 7 back in 2016.

Just hope anyone here can shed some light on this. Appreciate any information.

[Jnbmom]

I believe Chase will deny with BK on your report .

Did you include them in your BK?

[simoncww]

Appreciate your quick respond. I just retrieved my BK file through PACER and found Chase is one of the creditor. Though I'm not sure how much I burned them (if any). Is there anyway to find out? If the amount is small and within my means, I don't mind paying it off. Thanks again.

[Jnbmom]

Since you  included them you can cross them off your list for quite sometime . 

[simoncww]

Perhaps you're right. Stragely enough, I'm currently have an auto loan with them (Subaru finance by JPMC). Got approved 2 years ago. No missed payments. Though I'm not sure if that's separated from the credit cards department.

[Jnbmom]

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@simoncww wrote:

Perhaps you're right. Stragely enough, I'm currently have an auto loan with them (Subaru finance by JPMC). Got approved 2 years ago. No missed payments. Though I'm not sure if that's separated from the credit cards department.

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Credit products are completely different 

[simoncww]

@Jnbmom. Thanks for the insight. I haven't been in the credit card game since the BK. I'm trying to rekindle the relationship with them even if I have to pay them back (within my means). Do you know if that's even an option? If not, should I try again after the BK falls off my credit report?

[Jnbmom]

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@simoncww wrote:

@Jnbmom. Thanks for the insight. I haven't been in the credit card game since the BK. I'm trying to rekindle the relationship with them even if I have to pay them back (within my means). Do you know if that's even an option? If not, should I try again after the BK falls off my credit report?

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No even if you offered to pay they are not going to let you back in as the BK is on your file . Eventually they will let you in but it will be quite sometime . Best to just look for other lenders that suit your needs .

[simoncww]

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No even if you offered to pay they are not going to let you back in as the BK is on your file . Eventually they will let you in but it will be quite sometime . Best to just look for other lenders that suit your needs .

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 @Jnbmom, not what I like to hear but agree with you 100%. I should just move on. I expect my BK will fall off my credit file by 2026 which is just around the corner and maybe I'll try again by then. Thanks!

[tbgothard]

It took me 14 years and 11 months after my CH7 discharge to get back in with Chase. And I am really enjoying my CSR. Hoping to keep things going well for a CLI, additional card, and possibly a mortgage down the line.