So...in 2011 I filed for Bk 7 due to failed business.
iib is chase, Amex, citi along w others for large amounts.
in 2012 got Cap 1 spark gold for $1500 sl, within 5 years SL went up to 23.5K
in 2013 got 2 cap 1 platinum for low SL, within 5 years went up to 12k each now upgraded to venture 1 and QS
in 2014 got low discover it for low SL, within 4 years went up to 10k
in 2016 got CFU for 5k SL after recon (burned chase for 5k in the Bk)
2015 mortgage approved for 650k
in 2018 had a 30 day late on the spark cap 1 (by mistake...thought I paid)
early 2019 all cards maxed because of family emergency score went down to 600
may 2020, paid off all cards and score went up to 730ex 740eq and 760tu (tu removed Bk early)
today I started refi for my home and I allowed myself to go on an app spree.
chase ink cash, Instant deny, called recon...1 hour on the phone and was told I will be hearing back within 30 days UPDATE - APPROVED 20K
citi buisness Costco...no instant deny but needs further review for 7-10 days...no recon yet till I get an answer
apple Card, instant approve for $8500 SL
few days ago...dell buisness no PG instant approve 20k...chevron buisness instant approve 3k no PG
fingers crossed for the chase ink, I will be very surprised if approved especially now with covid19...will update further
Congrats on your approvals
If your BK is still present on your CR, Chase will deny
They adopted "No approvals with BK" policy couple of years ago.
I'd say that you are most likely correct and I knew that going in, I still tried since I don't Eye any other card that is an interest to me so I figured I'll give it a shot due to my relationship with them having personal and buisness checking accounts.
weird thing is that recon quickly passed the BK questions and moved to other questions like income and revenue...held me up 57 minutes on the phone
Best of luck.
I would have advised against even applying for a Chase small business account now though.
Even with perfect credit reports odds would be hugely against you.
Everyone who says that it's a bad time to apply with chase business is more than likely correct!
however....I just received a document to my chase online account asking to contact the fraud protection department.
they wanted to verify my information...And it was approved!!! 20k SL on the chase ink cash!
Congrats on Apple, Dell, and Chevron !