Do credit card companies keep denials on file?

[Goblin]

I applied to Chase 2 years back.  I didnt follow through with a recon and I dont remember what the denial letter stated for the reasoning. 

Do you think Chase keeps track of the reason for denial?   Only reason I ask is because I don't want to waste another HP if I'm possibly blacklisted.   

[FinStar]

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@Goblin wrote:

I applied to Chase 2 years back.  I didnt follow through with a recon and I dont remember what the denial letter stated for the reasoning. 

Do you think Chase keeps track of the reason for denial?   Only reason I ask is because I don't want to waste another HP if I'm possibly blacklisted.   

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The applications submitted are kept on file for a specific time period but not for 2 years.  What gives the impression that you're blacklisted by Chase?  Did you burn them previously (or any of their predecesor banks)?

[Goblin]

When I applied a little over 2 years ago, my credit wasn't in the best shape, but it wasn't in the worst ever.  That's why it would be nice to know the reason.

The only reason I think theres a possibility of being blacklisted is because I had a Chase Checking account in the past.  It was overdraft for a few months when I was in bad financial shape, so they closed it.  But I was able to pay it off and opened a new account.

Are they able to tell me if I'm in good standing with them as far as possible credit lines?

[Anonymous]

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@Goblin wrote:

I applied to Chase 2 years back.  I didnt follow through with a recon and I dont remember what the denial letter stated for the reasoning. 

Do you think Chase keeps track of the reason for denial?   Only reason I ask is because I don't want to waste another HP if I'm possibly blacklisted.   

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Have you checked thier site to see if you have been pre- qualified for anything?  If you are thinking of applying, check that as that is some guarantee and if you don't mind sharing, how does your credit profile looks like?

[Goblin]

I've been rebuilding the past 2 years and have no lates or derogatory items on file.

The pre-qual site gives me Slate & Freedom options.   But I've read that some blacklisted members have been denied, even after being "pre-qual'd"

I'm not worried about being approved or denied based on my credit, but on my past experience with Chase. 

[Anonymous]

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@Goblin wrote:

I've been rebuilding the past 2 years and have no lates or derogatory items on file.

The pre-qual site gives me Slate & Freedom options.   But I've read that some blacklisted members have been denied, even after being "pre-qual'd"

I'm not worried about being approved or denied based on my credit, but on my past experience with Chase. 

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Are your scores ok? if so give it a shot.  You have nothing to lose.. If not approved immediately, call the recon line and plead your case as to why you should be given a chance / why you want the card.

[Goblin]

Well I have an HP to lose...lol

But I know alot here are successful with Chase recons

[Anonymous]

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@Goblin wrote:

Well I have an HP to lose...lol

But I know alot here are successful with Chase recons

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I know.. But I guess it depends on how bad you want it ..   Keep us posted if you decide to apply about the outcome.

[kristin93]

• In my personal experience Chase Recon is very understanding and accommodating. When I was denied for Chase Slate (decent score of 686 at the time) i recon'd over a month after my denial and they were still able to manually approve my application with no second hard pull.

[Anonymous]

I would imagine youd be blacklisted if you defaulted on one of there credit cards, if you did that with a checking account and they let you reopen a new checking account I dont think youd be blacklisted from there credit cards.