chase sapphire denied due to bk

[bbeaver2013]

I was recently denied the chase sapphire card due to my recent bk. My chapter 7 bk discharged july of last year. Should I try to recon? They listed my credit score at 683. I'm currently in the garden and don't plan on coming back out for a while. If I did try to recon would it result in another hardpull?

[coldfusion]

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@bbeaver2013 wrote:

I was recently denied the chase sapphire card due to my recent bk. My chapter 7 bk discharged july of last year. Should I try to recon? They listed my credit score at 683. I'm currently in the garden and don't plan on coming back out for a while. If I did try to recon would it result in another hardpull?

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Unfortunately, Chase will not approve applications for any of their cards if there is a BK reporting. 

Attempts at reconsideration will be futile.   Sorry

[Anonymous]

^^^ this. Until the BK is off your reports, Chase won't consider approval. 

To add a couple data points, there are other lenders with BK policies as well. Amex will not approve a card until 61 months past your filing date, and IIRC, Citi requires seven years from discharge for core cards (Citi retail may be more lenient but I don't know for sure). 

Best bets for the time being are Capital One, maybe OpenSky if you need another one, and Ollo seems decent if you're invited. A year past BK, you may see some other lenders start to open up the door a bit such as Navy's nRewards, and possibly Discover. If offered, always try prequals when BK is recent. They're no guarantee but they'll give you a better idea where you stand.

[Anonymous]

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@bbeaver2013 wrote:

I was recently denied the chase sapphire card due to my recent bk. My chapter 7 bk discharged july of last year. Should I try to recon? They listed my credit score at 683. I'm currently in the garden and don't plan on coming back out for a while. If I did try to recon would it result in another hardpull?

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Don't waste your time nor energy.  They will not give you one with a BK on your credit report

[Brian_Earl_Spilner]

Chase blacklists for 10 years for BK., Longer if they were included. They blacklist for 1 year on auto loans.

[bbeaver2013]

Thanks everyone for the info. Unfortunately I did burn them with a chase amazon card for about 1.2k.  Maybe one day I will get back in. I did also burn navy federal but they told me if paid back what was owed they would let me back in with them. They said I could pay them on a voluntary basis but they won't ask for payment. 

[Brian_Earl_Spilner]

Navy will most definitely give you more credit once they're paid in full and the system updates to reflect that.

[CreditCrusader]

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@Anonymous wrote:

^^^ this. Until the BK is off your reports, Chase won't consider approval. 

To add a couple data points, there are other lenders with BK policies as well. Amex will not approve a card until 61 months past your filing date, and IIRC, Citi requires seven years from discharge for core cards (Citi retail may be more lenient but I don't know for sure). 

Best bets for the time being are Capital One, maybe OpenSky if you need another one, and Ollo seems decent if you're invited. A year past BK, you may see some other lenders start to open up the door a bit such as Navy's nRewards, and possibly Discover. If offered, always try prequals when BK is recent. They're no guarantee but they'll give you a better idea where you stand.

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I know this is a Chase thread, but since you mentioned Citi retail:

My sister, who is battling back from a BK7, was approved for the Meijer Mastercard with $1,000 SL with a 656 EX FICO and about three dozen INQ (I've already tried to explain...brick wall).

The following week, she was approved for the Citi Home Depot store card...also $1,000 SL.

Soooo...it looks as though Citi, while stringent on the BK core card front, may well look for a baseline FICO score with its retail cards. As always, YMMV.

[DoogieBall]

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@Brian_Earl_Spilner wrote:

Chase blacklists for 10 years for BK., Longer if they were included. They blacklist for 1 year on auto loans.

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 I remember reading this throughout my rebuild.  I waited 10 years plus two months just to be sure.

[pizza1]

I'll echo what everyone else has said.....

About 4-6 years ago, you we're able to call into UW for reconsideration, and there were several of us who actually got back in with them on their co-branded cards (I was one of them...took 3 recons, and an hour on the phone explaining my BK etc).

But times are different now. About 4 years ago they cracked down hard, and now their new policy is they will not consider you or approve you for a card until your BK is completely gone off reports.

So, I wouldn't waste my time, efforts, or a HP on any credit items from Chase.