Does Chase do a HP if you're blacklisted?

[Anonymous]

I burned Providian back in 2007, and I'm not sure if I'm blacklisted with Chase or not. I think Wamu bought Providian, then Chase took them over if I remember correctly.

Does anyone know if they are like AMEX and just give you the instant decline without the HP?

I checked for pre-approvals and nothing showed up, and I want to get the Ritz card before heading to the garden for 6+ Months

Current MyFico dash board is 705/745/724

Citi Hilton approved on 3/6/15 -  $5,000

Citi Prestiage Approved on 3/28/15 - $6,500

Sych Brooks Brothers Approved this morning $500 (No inq yet)

3 HPs total, Last reported Utilization 12%

[SnowBowl]

They did HP on me last summer and it was Providian account before it was sold to WaMu then Chase took over.. but CA did not mention it when I tried to recon. mine was classic blue providian visa account it was $79 AF with $400 SL. yours too?

[Anonymous]

I'm trying to remember which Providian card I had, I don't think it had an AF, it was maybe 1500 CL, and their lowest card their offered I'm sure. I think Wamu was showing on all the collection letters. I burned them completely and never paid on it, it's fallen off my report and now I'm on an app spree before the garden.

Were you able to recon with Chase and get a card?

[SnowBowl]

---

@Anonymous wrote:

I'm trying to remember which Providian card I had, I don't think it had an AF, it was maybe 1500 CL, and their lowest card their offered I'm sure. I think Wamu was showing on all the collection letters. I burned them completely and never paid on it, it's fallen off my report and now I'm on an app spree before the garden.

Were you able to recon with Chase and get a card?

---

Nope, he stated my UTIL is too high which was low to mid 30's at that time but soon my CR should be updated down to 5% UTIL but I dont feel like wasting another hit with Chase anytime soon maybe I will at 9 years post BK..

[Anonymous]

I went ahead and apped it, If I get denied I'm going into the garden for 6 months anyway.

I can feel the recon coming already lol

Thank you for applying. Your application requires further review before making a decision.

Here's what you can expect:

• Our goal is to notify you in writing within 10 days; however, in some circumstances it may take up to 30 days.
• If you are approved, you will receive your card and other important information in the mail.
• Please do not resubmit this application.

[Anonymous]

call them right now, no reason to wait for the letter.

[Anonymous]

call them. nothing to lose, all to gain. Let us know.

[Anonymous]

Call them!  Similar issue with me and same year! I forgot they were bought by Chase.  Now I am rebuilding phase and I was surprised to get a Chase Freedom preapproval and after going with it they offered a decent starting limit of 2200.  My scores are lower than yours.  So call and recon.

[Anonymous]

Thanks guys! Any suggestions/tips on what I should say? I've never done a recon before, I've only read about it on here. 

I tried calling the Priority Services number for JP Morgan, but they close at 7pm-EST so I'll be calling back tomorrow. 

I Apped for the Ritz-Carlton Card.

[Anonymous]

---

@Anonymous wrote:

Thanks guys! Any suggestions/tips on what I should say? I've never done a recon before, I've only read about it on here. 

I tried calling the Priority Services number for JP Morgan, but they close at 7pm-EST so I'll be calling back tomorrow. 

I Apped for the Ritz-Carlton Card.

---

Just say hello my name is X and I am calling about my recent application for the Ritz Carlton card and then they will take it from there.  It's very easy, never had to recon chase but it's less intimidating than it seems the first time.  Even if they don't approve you theyll tell you way and you can work on it, no harm done.