Chase Denial with a 698 Fico

[gjean78]

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@Anonymous wrote:

Hello All, 

Long time member, lurker and listener in the forums. 

Had a BK in 2009 Chapter 7 - 

Through these forums and learning good habits have rebuilt my credit and savings. 

Utilization is less than 1% 

Have Amex, Discover, Cap One , Barclays etc with high limits. 

Income : 100k

This is the second time I applied to Chase (Sapphire) and was denied. It was not because of the 5/24. After pushing it to recon, I told the woman look at my track record zero lates, low utilization, good history, she still would not approve. I believe it is because I "burned" them in the BK in the amount of $5000 or so. 

My question to you all in the forum is. How can I overcome this? Chase is the hot girl or guy in the club that is giving me no love. The amount was already BKed! What can I do to get back into creating/ building a relationship with Chase. 

Thanks ahead for your feedback and advice. 

look like chase don't have short memories they still remember what u did to them.

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[Anonymous]

My FICO scores are between 765-785.   I had a Chase card CO for $7700.  I setup a payment plan to pay it off in 4 years, I did it in 2 years.  Last payment was 2015.    I still can't get a preapproval out of them.     They have a long memory, even if you paid them back in full.

[RSX]

I think the answers have provided 2 things

1.  Check your credit score and see what is holding it back

2. Forget about Chase. There are many competitors and you shouldn’t focus on the one that doesn’t want you.