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Multiple apps after Bk and other mess CIC approved!!!

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Established Member

Multiple apps after Bk and other mess CIC approved!!!

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

Message 1 of 16
15 REPLIES 15
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Moderator

Re: Multiple apps after Bk and other mess

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. 

07/09/2020 Reason 97 why paying tuition hurts so bad, anesthesia might be required. My son:" You told me humans have advanced digestive system, and there you are, defeated by a single cheese stick".

Two more years. I can do this. Maybe. We'll see.
Message 2 of 16
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Established Member

Re: Multiple apps after Bk and other mess

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

Message 3 of 16
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Established Contributor

Re: Multiple apps after Bk and other mess

BOOM! Congrats on the aprpovals after BK!  Keep up the good work rebuilding!

  

  
  



RECORD HOLDER
& KEEPER OF
THE GOLDEN SWORD!

golden_sword.png

EQ FICO RESILIENCE INDEX
06-29-2020

Dogbert

76

3

64

04-03-2020

Message 4 of 16
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Frequent Contributor

Re: Multiple apps after Bk and other mess

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.

Message 5 of 16
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Established Member

Re: Multiple apps after Bk and other mess

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!

 

happey days!!!

2F1A4BAD-6954-4370-BAAA-301C91E4E416.jpeg

Message 6 of 16
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Super Contributor

Re: Multiple apps after Bk and other mess

Congratulations on your approvals!
Message 7 of 16
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Mega Contributor

Re: Multiple apps after Bk and other mess

Congrats! ..

"It's true hard work never killed anybody, but I figure, why take the chance?"
Message 8 of 16
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Super Contributor

Re: Multiple apps after Bk and other mess CIC approved!!!

Congrats on Apple, Dell, and Chevron !




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>06/2020 CCT EX 835 TU 848 EQ 844

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 9 of 16
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Valued Contributor

Re: Multiple apps after Bk and other mess CIC approved!!!

What type of business classification?

Message 10 of 16
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