Surprisingly, I was just approved for a Chase Freedom Unlimited Credit Card with $1,000 CL. Even after reading all the stories on here, I decided to try since I've been a long standing customer with them. I was rejected Amex CC last month even after a recon call (they wanted me to pay it all back so seems like it might be possible).
All details below:
- BK Chapter 7 discharged back in December 2016. Chase was IIBK for about $16k
- Been long standing Chase checking/savings customer. Personal and business accounts.
- Been authorized user on wife's Chase Credit card for years.
- No Chase CC preapproved on their preapproval site
- No BK question (yes/no) on application like I've seen other people post about. I assume because I was logged into my Chase account (?)
- Denied on Application Submit
- Called Recon line at (888) 270-2127 immediately
- I asked for reconsideration. They transferred me to another associate. I stated at first that I know why they denied, and that I am looking to create a new relationship with them even with the smallest credit limit to build back the trust.
- They asked questions like why I filed, current work, confirmed income, confirmed mortgage payment, etc. Note: my income now is significantly more than it was back then.
- I was completely honest about why I filed and gave a bit of the back story (more business related reasoning which is true)
- Currently just 2 other Personal Capital One CC and 1 Business Capital One CC.
They said they had all the information they need and that I would know by mail in 1-2 weeks. I recieved an email about 4 hours later stating I was approved.
Just wanted to share because it's possible. Good luck out there.
