Still can't get in with CHASE

[Scupra]

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@panda11 wrote:

My wife was instantly approved for Costco Visa for 8K, 4 1/2 post discharged with CITI IBB, 08 FICO EXP 715.

Don't know what to do with Chase since some people still get denied 10 years later when Chase was IBB.

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Woooooooooooooo! Congratulations

[panda11]

@ Scupra, Special thanks to you for laying out your road map, all anyone needs to to is to follow what you did, don't need to reinvent the wheel.

[Scupra]

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@panda11 wrote:

@ Scupra, Special thanks to you for laying out your road map, all anyone needs to to is to follow what you did, don't need to reinvent the wheel.

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Appreciate the kind words! Thank you

[panda11]

@Scupra, Appiled for the CSP, have to call in for recon because of the BK auto-declined, after questioned about the BK  cause and affect, questioned about the Chase accts (IIB), were told that credit has been reestablished and recommended that my application to go forward for secondary review because of the BK.  Will receive letter for the decision in 2 weeks. 

[bobbysan07td]

Applied for Chase Southwest. Was declined for BK (ch13) that started in late 2010 and finished in late 2013. Called recon and explained that I paid in 3 years instead of 5,  that I have been at same job 15 years, how much I make etc. He said, I have to refer it to a senior analyst, but this shouldn't be any problem. Declined again. They should just say as a disclaimer that if you have a BK don't apply for this card or you'll just end up with another hard pull.

[panda11]

@bobbysan07td, I may just wasted a hard pull based on what you went through. Not expecting much, open to the idea that it would be my first decline for a c/c in 3 years. Oh well!

[Scupra]

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@panda11 wrote:

@bobbysan07td, I may just wasted a hard pull based on what you went through. Not expecting much, open to the idea that it would be my first decline for a c/c in 3 years. Oh well!

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Both of my Chase cards were sent off with a recommendation to approve, both were approved BK files have to be looked at twice.

[panda11]

@Scupra, thanks, that's encouraging, keeping my fingers crossed and hope for the best.

[Anonymous]

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@Scupra wrote:

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@panda11 wrote:

@bobbysan07td, I may just wasted a hard pull based on what you went through. Not expecting much, open to the idea that it would be my first decline for a c/c in 3 years. Oh well!

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Both of my Chase cards were sent off with a recommendation to approve, both were approved BK files have to be looked at twice.

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Congrats Scupra!!!

I'm in the same situation but I'm concerened about wasting an HP to apply for any Chase card!!!

I was happy that was approved last week for Costco/Citi Card.

My BK7 was discharged in 2012 with Citi, Chase and Amex included. 

[panda11]

@Designer91  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.