@Anonymous wrote:
I wanted to wait a few months because I was worried it was a mistake after all the forum posts I've read here over the years, but I finally got off the Chase blacklist! I wanted to post to give hope to others because I didn't think I'd get approved based on the stories I'd read.
I declared Chapter 7 bankruptcy in 2011, and I had a few Chase cards that were part of it. They weren't all originally Chase cards, but they ended up branded that way via mergers, etc. Between those cards, I think I burned Chase for over $20,000. Since then, I'd kept my credit score between 700-750 for most of the past 10 years. When I hit year 8, I tried to call for a reconsideration, but failed. I even emailed executive support, got hold of a real human being, pleaded my case and STILL got rejected. So, when my banktruptcy finally dropped off of my credit report earlier this year, I decided to apply one more time for kicks. My original cards were United cards, and all my previous attempts at reconsideration were mainly so I could get a new United card. This time, I applied for the United Club Infinite Card. I applied a few weeks after my bankruptcy dropped off of my credit report. I was totally shocked when I got approved, and for a huge credit line larger than any of my other non-Chase cards. I couldn't believe it. However, I'd read one forum where where someone got their card and cancellation letter in the mail the same day, so I was still worried until the card finally arrived.
So, for anyone in the scenario of having filed Chapter 7 and included Chase, there is hope at the 10 year mark that you might get off the blacklist.
Great come back @Anonymous !
Thanks for your back story.
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