cancel
Showing results for 
Search instead for 
Did you mean: 

pre-approval and Chase Blacklist

Beetlejuice125
Frequent Contributor

Re: pre-approval and Chase Blacklist


@YoungMoney06 wrote:

@Beetlejuice125 wrote:

I'd open a checking and savings account and park a few bucks in it. Some people disagree with this approach but it worked for me.

 Good luck


I'm curious about this method my own self. I just opened a Chase Checking account within the last year in hopes that the transactions and my direct deposit would help get me back in with Chase after defaulting on a card for $1k in 2015. Of course, the defaulted account is still on my CR... but would like to get back in with Chase eventually... even opened a Business Checking account with them for a new venture I'm working on.


I was on the blacklist due to unpaid $1200 CO from 2009ish. Approved for CFU when I  finally dropped to 4/24 via a just for you offer

Say it three times
You know you want to
Message 11 of 19
YoungMoney06
Regular Contributor

Re: pre-approval and Chase Blacklist


@Beetlejuice125 wrote:

@YoungMoney06 wrote:

@Beetlejuice125 wrote:

I'd open a checking and savings account and park a few bucks in it. Some people disagree with this approach but it worked for me.

 Good luck


I'm curious about this method my own self. I just opened a Chase Checking account within the last year in hopes that the transactions and my direct deposit would help get me back in with Chase after defaulting on a card for $1k in 2015. Of course, the defaulted account is still on my CR... but would like to get back in with Chase eventually... even opened a Business Checking account with them for a new venture I'm working on.


I was on the blacklist due to unpaid $1200 CO from 2009ish. Approved for CFU when I  finally dropped to 4/24 via a just for you offer


How long was the wait before you applied between 2009? I definitely will have to wait anyway cause I'm well over 4/24 for now... would be even better to see a JFY offer Smiley Happy

My Wallet (Updated for 2021):
Store Cards:


Major Cards:

Message 12 of 19
FalconSteve
Established Contributor

Re: pre-approval and Chase Blacklist

So, you're blacklisted (after 11 years), but they have the nerve to mail you an application unsolicilated? That makes total sense/s [Chase]

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card; closed on some reports)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 13 of 19
FalconSteve
Established Contributor

Re: pre-approval and Chase Blacklist


@Beetlejuice125 wrote:

I'd open a checking and savings account and park a few bucks in it. Some people disagree with this approach but it worked for me.

 Good luck


My wife has $15k in savings and 1500 in checking and they wouldn't give her a freedom card because AU accounts put her at 5/24

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card; closed on some reports)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 14 of 19
bRICrEAW
Established Member

chase double dip

I have posted on here a few times about being blacklisted by Chase due to including them in a BK7 almost 11 years ago. Approximately a month and a half ago, I posted I had received a preapproval offer in the mail for chase sapphire reserve and wondered whether I should apply or I should forget about it because I was likely still blacklisted. I got mixed responses. I never tried sapphire, but I finally decided to try the chase freedom. A day after my application, I got an email that I was approved! I was surprised, and I did not actually expect to be approved. I felt I was likely banned for life. Do you think I could get away with applying for the Chase Amazon card too or how long should I wait before applying for another Chase card? I am 4/24 without the account reporting, and I will not be back under 5/24 until February if I wait. Fico scores around 790-800 but may take a hit when new account reports.

Message 15 of 19
FinStar
Moderator

Re: chase double dip

Congrats on the Chase Freedom approval.  

Unfortunately, the double-dip is unlikely. In the past, like years ago, it was possible to submit multiple Chase applications in a short timeframe, but Chase has restricted that number during a 30-day period.  If you want the Chase Amazon card, give it some distance and see whether you can receive a pre-approved offer through your Amazon account down the road.

Message 16 of 19
bRICrEAW
Established Member

Re: chase double dip

I only applied for the one Chase card, so it should still be possible for me to apply. After reading this post, I found the link to check my amazon account for chase amazon visa preapproval, and it did say I was prequalified. The site showed the one interest rate. I want the card, but I am somewhat concerned as I have read about Chase closing people's cards. I really don't want any problems, but I do want an Amazon card. I don't think I can get the store card as I believe the issues I had with sagestream and synchrony are still unresolved. Do you think I am at risk if I apply, or should I wait until February when I am back under 5/24?

Message 17 of 19
FinStar
Moderator

Re: chase double dip


@bRICrEAW wrote:

I only applied for the one Chase card, so it should still be possible for me to apply. After reading this post, I found the link to check my amazon account for chase amazon visa preapproval, and it did say I was prequalified. The site showed the one interest rate. I want the card, but I am somewhat concerned as I have read about Chase closing people's cards. I really don't want any problems, but I do want an Amazon card. I don't think I can get the store card as I believe the issues I had with sagestream and synchrony are still unresolved. Do you think I am at risk if I apply, or should I wait until February when I am back under 5/24?


@bRICrEAW 

Well, there's always the risk. If you were to apply today and are approved for the Amazon Visa, no one here would be able to tell you with absolute certainty whether Chase would take any action on your accounts or not since we are not privy as to how their internal algorithms work -- we can only speculate. You'd be basically rolling the dice and hoping for the best. But, you can decide on whether you want to gamble things depending on your tolerance for risk.

Message 18 of 19
Caardvark
Frequent Contributor

Re: chase double dip

I don't think it's worth the risk. In my opinion, wait 60 days and then go-ahead. Chase is notorious for their itchy trigger finger so be glad you've gotten back in their good graces, exercise some restraint, and all will be well. 


Message 19 of 19
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.