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Chase after BK

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Visitor

Chase after BK

I have a ch 7 BK from 6/2013. But since then I’ve done really good with my credit. No missed or late payments. No collections. 2 hard inquiries. I’m at 2/24. Total of 16 open accounts. Two car leases with Chase. I have a Chase checking account. Average age of account is 2yr 9mo. Oldest open card is 5yrs. Utilization at 1%. Available credit about 50k across all credit cards and store cards. I’m wondering if I can get approved with chase. The pre qualify page never shows any offers for me. My scores are EX: 727. TU: 712. EQ: 721. I can get other cards from Amex that I’m pretty qualified for but I wanted to get chase before I fill up 5/24. Is it worth it to try? Or just wait until 2023 when the BK falls off and in the meantime get Amex since by 2023 I’ll be under 5/24 again. Also I am a sole proprietor so I would also like to get into their business cards as well. Any input or advice is greatly appreciated.
Message 1 of 6
Senior Contributor

Re: Chase after BK

You have a better shot at business cards than personal cards. If you have a BK showing. Survey says. Nope.

My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 2 of 6
Community Leader
Senior Contributor

Re: Chase after BK

Chase is almost always a denial with a BK showing. But since you already have a Chase relationship, why not go into a branch and speak to a supervisor about it.  


Was AmX IIB? If yes, more than likely that will be a denial. 

GOALS: Garden til DEC 2020 and 800 Club

JUN 2019: EX 788, TU 794, EQ 779
APR 2019: EX 787, TU 789, EQ 781
JAN 2019: EX 794, TU 783, EQ 801
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnate $25K || NFCU CashRewards $20K || Macy's $20K || Discover IT $15.7K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 3 of 6
New Visitor

Re: Chase after BK

No Amex wasn’t. The only credit card was a BoA and the rest was medical bills.
Message 4 of 6
Valued Contributor

Re: Chase after BK

Then you should be good to go with AmEx since they require 5 years and one month between BK discharge and card approval. However, be prepared - they may give you low limits and CLIs may be tough until the BK drops off.

Rose Gold/BCP/Delta Gold/Hilton Ascend/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #ratherhaveAmex

Entering the garden 5/27/2019, staying until 2020
Message 5 of 6
Established Contributor

Re: Chase after BK

Don’t waste an HP!
Chase is auto decline with a BK reporting. From the most recent DP, BK’ers can’t even recon anymore!
I have Chase Savings and Checking and I’m not burning an HP til 2021!
BK7 dc in 01/2011 with FICO8 in the 500s

UTIL 1% - 3%
HPs EX 4 EQ 3 TU 1
AAoA 5y2m

$160K+ Total Limits
Message 6 of 6