Still can't get in with CHASE

[Scupra]

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@morgacj2004 wrote:

I know that as I have recon many times. No luck with Chase. What did u tell them? 

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I knew you knew, I was confused on why you were waiting for a letter

I called and said my app was declined for BK and I wanted to request a reconsideration. I am very polite and treat them like any other human. I explain the BK to get that out of the way and then touch on the good points of my rebuild. I am 3 for 3 on recon's with Chase.

[panda11]

to add to Scupra, I was asked what have you done to avoid the CH 7 in the future? Focus on the rebuild process and how far you have come from the dreadful BK.

I was luckly enough for them to overlook my past and given a CSP card.  good luck with the recon morgacj2004.

[morgacj2004]

Rub it in why don't u Scupra, 3 for 3 vs my 0 for ever.  !  

[Scupra]

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@panda11 wrote:

to add to Scupra, I was asked what have you done to avoid the CH 7 in the future? Focus on the rebuild process and how far you have come from the dreadful BK.

I was luckly enough for them to overlook my past and given a CSP card.  good luck with the recon morgacj2004.

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Good catch, I did this as part of explaining the BK.

[Scupra]

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@morgacj2004 wrote:

Rub it in why don't u Scupra, 3 for 3 vs my 0 for ever.  !  

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Haha, so sorry! You will get one, just wait. I honestly beleive it has a lot to do with the rapport you build with the rep. Think of all the rude people they get to deal with every day. When they actually get someone that treats them nicely they feel more apt to help

[panda11]

First C$R  approved with a BK on CR.  Good luck for those who is willing to give it a shot!

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Approved-for-Chase-Sapphire-Reserve-after-BK/m...

[Anonymous]

I appd for CSR last Monday. Got the pending review and declined letter this Monday. I was expecting 5/24 as I am over and have 3 Chase cards (CSP, Marriott, and Slate) all over 14 month's old. Welp for this CSR app, Chase pulled my EX and EQ. My BK 7 is off my EX but still showing on my EQ. It's from early 2007. It should be gone within 5 month's. But the letter stated only one reason for the decline "BK listed on one if your CR's". So now I'm thinking I might call and recon. I had given up but it appears others with later BK's have been approved after reconning. I did not include Chase or any other CC lender in my BK. Only US Bancorp was listed, as I personally guaranteed some very large CNC equipment for my business, and I had no choice. Hoping I get approved.

[Scupra]

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@Anonymous wrote:
I appd for CSR last Monday. Got the pending review and declined letter this Monday. I was expecting 5/24 as I am over and have 3 Chase cards (CSP, Marriott, and Slate) all over 14 month's old. Welp for this CSR app, Chase pulled my EX and EQ. My BK 7 is off my EX but still showing on my EQ. It's from early 2007. It should be gone within 5 month's. But the letter stated only one reason for the decline "BK listed on one if your CR's". So now I'm thinking I might call and recon. I had given up but it appears others with later BK's have been approved after reconning. I did not include Chase or any other CC lender in my BK. Only US Bancorp was listed, as I personally guaranteed some very large CNC equipment for my business, and I had no choice. Hoping I get approved.

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Chase will auto decline if you have a BK showing. You MUST recon if you want a chance

[panda11]

@drewg350, did you call Chase for a recon?  What was the outcome?  Thnx

[morgacj2004]

Called Chase today to recon on behalf of my wife. UW was very nice but still would not approve Marriott card. Stated it was not due to BK but was due to number of recently opened accts. Denied the 5/24 rule applied to that card. Suggested she reapply once there is more establishment with recently opened accounts