Still can't get in with CHASE

[sdchrgrboy]

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@Anonymous wrote:

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@thisladyz wrote:

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@morgacj2004 wrote:
Applied for the amazon Visa. Denied. Attempted recon with EEO. No go due to BK. Reminded them that I paid an auto loan and student loan off with them and they were not IIB. Oh well I got back in with CITI and BofA. 2 out of 3 ain't bad. Lol

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Don't feel bad. I burned Chase in my CH13 back in 09 and they still won't let me back in for a CC, but they financed my car last year for over $60k! Go figure? lol

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Yea... that makes so sense.... lol...but maybe they will let you in soon. 

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Makes perfect sense. At least if you defult on the car they can repossess and get some of their money back.  A card is unsecured.

[Anonymous]

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@panda11 wrote:

@Anonymous  I am in the same situation as you, CH 7 discharged NOV 2011, will let you know my outcome and you can decide.  I have not applied for a c/c with lenders pulling EX FICO over 3 years. 

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Thank you panda11!!

[panda11]

HiThe verdict is in, Approved for the CHASE CSP with 5K Limit.

Here are my stats, CH 7 discharged NOV 2011, Multiple Chase Accounts IIB, Did not pay back, Available credit 100K+, 2% Util, EXP FICO 714, low 100K Income, Jumbo Mortgage 8 Months, No credit cards HP on EX in last 2 years, 5 Mortgage HPs in last 2 years.  Hope it helps those who are on the fence to apply.  Special thanks to Scupra for laying the road map for others to follow.

[morgacj2004]

Congrats! My BK is one year older than yours I did not IIB. I will apply in 1-2 yrs once I qualify in regards to the 5/24 rule. They like your low Util and INQ.

[panda11]

@morgacj2004, thnx, you're in the same boat as Scupra, imho, easily approve for Chase card if you get past the 5/24 rule. 

[Scupra]

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@panda11 wrote:

HiThe verdict is in, Approved for the CHASE CSP with 5K Limit.

Here are my stats, CH 7 discharged NOV 2011, Multiple Chase Accounts IIB, Did not pay back, Available credit 100K+, 2% Util, EXP FICO 714, low 100K Income, Jumbo Mortgage 8 Months, No credit cards HP on EX in last 2 years, 5 Mortgage HPs in last 2 years.  Hope it helps those who are on the fence to apply.  Special thanks to Scupra for laying the road map for others to follow.

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SUCH GOOD NEWS! So glad the recommendation for approval turned out Congrats

[morgacj2004]

Scupra have u ever got a CLI on either of your Chase cards. ?  Your profile is almost identical to mine yet u r running about 25 points higher on your bureaus.  I guess I have been slacking off. Need a tune up. Lol 

[baller4life]

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Designe@r91 wrote:

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@panda11 wrote:

@Anonymous  I am in the same situation as you, CH 7 discharged NOV 2011, will let you know my outcome and you can decide.  I have not applied for a c/c with lenders pulling EX FICO over 3 years. 

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Thank you panda11!!

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I'm sorry. But this is funny. Panda panda panda

[panda11]

@morgacj2004, Scupra is 30 points higher than my EX FICO, I don't have an installment account is the only thing I can think of.

[Scupra]

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@morgacj2004 wrote:

Scupra have u ever got a CLI on either of your Chase cards. ?  Your profile is almost identical to mine yet u r running about 25 points higher on your bureaus.  I guess I have been slacking off. Need a tune up. Lol 

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Haha! Yes, I went from $500 to $5,000 on the Freedom. I think it was after roughly 8/9 months of usage. Had to request it and took a HP but it was worth it. CLI requests also get instantly declined and require a recon call.