Letter from Chase UPDATE: recon in progress

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Really? And you had a CO with them? Paid or unpaid? What did you say to make them go, ok!?

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Sort of. I had a Providian card back in 1999 that charged off for a few hundred. It went to WAMU, and while they had it I paid it off. WAMU went to Chase. For some reason it shows in Chase's database as a Slate. When the analyst brought it up I told her I'd never had a Slate, or any Chase card for that matter. She researched futher, and we figured out what it was.

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Key difference here.  While the CO was still in their database which flagged the previous negative experience with Chase (i.e. Providian/WaMu), your CO was paid.  The OP mentioned his is unpaid.  Regardless, every experience and outcome will vary, just because you were approved given the above scenario doesn't always translate into the OP getting the same results.  I'm willing to bet both you and the OP's overall profiles are not the same?  

Either way OP, give it a whirl and try if you feel "luck" is in your favor, just don't be disappointed in the outcome.  All things considered, if you paid the CO and gave it some time, I'm sure you could re-establish the Chase relationship.

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@Agreed @FinStar.  But I guess OP should decide what he feels is best for him as we can debate this all day long you know...  OP, whatever you do, let us know the final outcome.

[Anonymous]

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@FinStar wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Really? And you had a CO with them? Paid or unpaid? What did you say to make them go, ok!?

---

Sort of. I had a Providian card back in 1999 that charged off for a few hundred. It went to WAMU, and while they had it I paid it off. WAMU went to Chase. For some reason it shows in Chase's database as a Slate. When the analyst brought it up I told her I'd never had a Slate, or any Chase card for that matter. She researched futher, and we figured out what it was.

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Key difference here.  While the CO was still in their database which flagged the previous negative experience with Chase (i.e. Providian/WaMu), your CO was paid.  The OP mentioned his is unpaid.  Regardless, every experience and outcome will vary, just because you were approved given the above scenario doesn't always translate into the OP getting the same results.  I'm willing to bet both you and the OP's overall profiles are not the same?  

Either way OP, give it a whirl and try if you feel "luck" is in your favor, just don't be disappointed in the outcome.  All things considered, if you paid the CO and gave it some time, I'm sure you could re-establish the Chase relationship.

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I didn't say it would. But if he doesn't recon, he'll never know.

[Anonymous]

Ok. Update. Well i spoke with a credit analyst, and he informed me of the CO with WAMU back in 2007, which they took over because I said I've never had an account with Chase. I said what can I do to get back in your good graces? So he said we can reconsider, if that's something you would like to do. On hold for about 5 minutes, came back, asked me questions about income, rent, you know the usual stuff. On hold for another 5 minutes, which seemed like an hour, came back and said he put me in for an approval, but it had to be looked at by a Senior Lender, and I would hear back in about 5-7 buisness days. The suspense is already killing me!

[Anonymous]

Okay, you just went from zero odds to about 50/50.

[FinStar]

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@Anonymous wrote:

Okay, you just went from zero odds to about 50/50.

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Maybe the OP should use one of his lifelines and call a friend

[Anonymous]

Lol

[Anonymous]

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@Anonymous wrote:
Ok. Update. Well i spoke with a credit analyst, and he informed me of the CO with WAMU back in 2007, which they took over because I said I've never had an account with Chase. I said what can I do to get back in your good graces? So he said we can reconsider, if that's something you would like to do. On hold for about 5 minutes, came back, asked me questions about income, rent, you know the usual stuff. On hold for another 5 minutes, which seemed like an hour, came back and said he put me in for an approval, but it had to be looked at by a Senior Lender, and I would hear back in about 5-7 buisness days. The suspense is already killing me!

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What number did you use?  I have two cards with them and just applied for the Sapphire card.  Was rejected becaue of "to many credit cards opened in the last 2 years."  

[FinStar]

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@Anonymous wrote:

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@Anonymous wrote:
Ok. Update. Well i spoke with a credit analyst, and he informed me of the CO with WAMU back in 2007, which they took over because I said I've never had an account with Chase. I said what can I do to get back in your good graces? So he said we can reconsider, if that's something you would like to do. On hold for about 5 minutes, came back, asked me questions about income, rent, you know the usual stuff. On hold for another 5 minutes, which seemed like an hour, came back and said he put me in for an approval, but it had to be looked at by a Senior Lender, and I would hear back in about 5-7 buisness days. The suspense is already killing me!

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What number did you use?  I have two cards with them and just applied for the Sapphire card.  Was rejected becaue of "to many credit cards opened in the last 2 years."  

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Check the backdoor numbers sticky for the Chase Analyst/UW #

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

But, before you event attempt your reconsideration efforts, be sure to do some reading on the following thread regarding Chase's recent changes since it's unlikely they'll budge to reconsider given the recent changes:

http://ficoforums.myfico.com/t5/Credit-Cards/UPDATE-POLICY-CHANGE-CHASE-Lets-put-our-heads-together-on-recent/td-p/4034901

[Anonymous]

@FinStar wrote:

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@Anonymous wrote:

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@Anonymous wrote:
Ok. Update. Well i spoke with a credit analyst, and he informed me of the CO with WAMU back in 2007, which they took over because I said I've never had an account with Chase. I said what can I do to get back in your good graces? So he said we can reconsider, if that's something you would like to do. On hold for about 5 minutes, came back, asked me questions about income, rent, you know the usual stuff. On hold for another 5 minutes, which seemed like an hour, came back and said he put me in for an approval, but it had to be looked at by a Senior Lender, and I would hear back in about 5-7 buisness days. The suspense is already killing me!

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What number did you use?  I have two cards with them and just applied for the Sapphire card.  Was rejected becaue of "to many credit cards opened in the last 2 years."  

---

Check the backdoor numbers sticky for the Chase Analyst/UW #

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

But, before you event attempt your reconsideration efforts, be sure to do some reading on the following thread regarding Chase's recent changes since it's unlikely they'll budge to reconsider given the recent changes:

http://ficoforums.myfico.com/t5/Credit-Cards/UPDATE-POLICY-CHANGE-CHASE-Lets-put-our-heads-together-on-recent/td-p/4034901

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Thank you, Finstar!  I started my own thread with more details about my credit profile.  I will definitely review your links.

Again, very much appreciated.

[Anonymous]

Keeping my fingers crossed!