BACK WITH CHASE - FOUR YEARS POST BANKRUPTCY

[0REDSOX7]

Yes they were IIB but only for $500 - not sure if that’s why.

[Anonymous]

Shoot, my only business with them was in the 80s with a $500 limit VISA with what was then Chemical Bank that had a good payment history.  Can't get in with them at all for some reason, even on non-5/24 cards.  

[0REDSOX7]

I've read they are really strict, as well, which is why I was so hesitant, but, between the advice on here, and other websites I found, the key is getting someone at the reconciliation area that is nice and willing to listen.

Even though it's not a full on Chase card (like the Freedom, or what not), it is the Amazon one, but, it is a VISA and not just a store card, so, I will be very good to it...

[Anonymous]

Congrats! 

[stinastina]

I'm going to take this as some kind of miracle or maybe Drew isn't up on Chase policies but good for you, OP.

[imaximous]

Congrats OP! Good job on the recon.

I'm actually jealous. I was only able to get a $500 SL on the Amazon card, and $500 on the FU. My BK7 is from 2011, but I did burn them for a few K. 

A lot of people have commented that it's a denial without possibility of recon, but I know others who were approved as well. If the BK denial was really coded in their system, no analyst or supervisor would be able to bypass it. I think the majority of credit analysts just aren't willing to take a chance because their jobs may depend on default stats, and approving someone with a BK is definitely high risk and a red flag. (this is my guess). I've been denied on recon only to call again and get someone willing to look at my file and approve me.

[Scupra]

BOOM! This is so good to read RED! I know you had been wondering about this one and never seemed sure if you would try. So happy to see that you got back in, congrats!

[Anonymous]

Congratulations! While I've been eyeing the Chase Amazon Visa, I knew it'd be a really hard row to hoe due to my own BK, particularly having stuck Chase for $12K in the process. This report definitely gives me hope for the future, though. I'm back in the garden now, having popped out to try my luck with the PayPal 2% MC and scoring on it, but I'll certainly put this card in my wish list for next year or the year after that..

[morgacj2004]

I got the same card as OP at 4.5 yrs post discharge. CHASE not IIB. My lowest CL $500 with no CLI since. I use the card a lot. Also declined for other CHASE products. I would say the Amazon is the exception to the rule.

[Anonymous]

Been denied 3 years in a row, Amazon, Southwest, and Hyatt card. BK in May 2014. Spoke to A manager in the loan department in the reconsideration department as well and they said their policy is to deny anybody with a bankruptcy on their report until after the 10 years is over. So whoever was in that recon line really helped you out, congrats.