Chase Freedom Flex 4 years post BK!!!!

[dangerously_caffeinated]

Hey MyFico - 

My, oh my.... I don't know what to say. I think I've done the impossible. I filed for Ch7 BK in April of 2018, it was discharged October of 2018 and today I was just approved for the Chase Freedom Flex at $1,800 CL! With the 5% back on gas and $200 sub! I included Chase in my BK for about 6k on the Amazon card.  APR is the highest it can be, but I never carry a balance.

I've applied multiple times for a Chase card (3 times since my BK) I was instantly denied yesterday and called into recon. After being on the phone for about 10 minutes the representative came back and said I was still denied.. feeling determined to get back in with Chase I called recon again today and spoke to a very nice rep who did a stellar job of helping me out, after ~30 minutes he told me the app had to go for secondary review and I should follow up by end of the week. About 10 minutes later, I logged into my Chase portal and saw the Freedom Flex in my account!

I bank exclusively with Chase but don't keep any money in the account, as soon as the paycheck hits I disperse to other avenues. Ally etc etc.

I am ecstatic! I bank with Chase and now plan to repsonibly use this card to eventually get my Trifecta within the next 1-2 years (fingers crossed!) My scores as of June were 

EQ: 661

TU: 653

EX: 660

Income is $115,500

3/24 when applied.

Venture X: 30K

SavorOne: 1K

QS: 5250

Apple card: 2K

Mercury card: 2750

For those of you working through BK don't give up, stay persistent and be wise with the accounts you open!

[CardHunter]

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@dangerously_caffeinated wrote:

Hey MyFico - 

My, oh my.... I don't know what to say. I think I've done the impossible. I filed for Ch7 BK in April of 2018, it was discharged October of 2018 and today I was just approved for the Chase Freedom Flex at $1,800 CL! With the 5% back on gas and $200 sub! I included Chase in my BK for about 6k on the Amazon card.  APR is the highest it can be, but I never carry a balance.

I've applied multiple times for a Chase card (3 times since my BK) I was instantly denied yesterday and called into recon. After being on the phone for about 10 minutes the representative came back and said I was still denied.. feeling determined to get back in with Chase I called recon again today and spoke to a very nice rep who did a stellar job of helping me out, after ~30 minutes he told me the app had to go for secondary review and I should follow up by end of the week. About 10 minutes later, I logged into my Chase portal and saw the Freedom Flex in my account!

I bank exclusively with Chase but don't keep any money in the account, as soon as the paycheck hits I disperse to other avenues. Ally etc etc.

I am ecstatic! I bank with Chase and now plan to repsonibly use this card to eventually get my Trifecta within the next 1-2 years (fingers crossed!) My scores as of June were 

EQ: 661

TU: 653

EX: 660

Income is $115,500

3/24 when applied.

Venture X: 30K

SavorOne: 1K

QS: 5250

Apple card: 2K

Mercury card: 2750

For those of you working through BK don't give up, stay persistent and be wise with the accounts you open!

---

Very nice, congrats!

[CreditAggie]

Congratulations on your CFF approval!

[cashorcharge]

WooHoo!! Congratulations on your CFF Approval!!👏🏼🍾🥂

[805orbust]

Wow!!!  Congratulations on getting the nod of approval from Chase! 

[MySunrise271]

Congratulations on your Chase FF approval🎉🎉🎉

[pip3man]

Congrats on this achievement! At this point I am highly convinced Chase recently revised their lending policies in relation to bankruptcy cos just under a year ago, you could never even with an aged 9 yr old BK let alone 4yrs. Now to figure out what exactly is their waiting period. Where the Guinea pigs at lol 🤔

[Kasuito39]

Congrats on your Chase approval with BK 7. This is definitely an eye opener and thanks for sharing the data. 

[coreyb80]

Congrats on the approval!

[SUPERSQUID]

CONGRATS!!!!!

Was CHASE included in your bk7 ?