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No Blacklist for me! Approved for Chase Freedom Flex!

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Anonymous
Not applicable

No Blacklist for me! Approved for Chase Freedom Flex!

Thanks to everyone here who has and is helping me on my journey.  Burned Chase/Wamu 15 years ago and had serious doubts about getting back in.  I still get zombie debt collection calls on this account, but it is way over SOL and CRA reporting timelines.  Always heard Chase had a long memory, so I was preparing myself for a lifetime ban...

 

Early in my rebuild I went crazy and applied/opened 15+ cards attempting to fix my late payments.  While that did work and my ontime percentage shot up as a result of my many, many on time payments, it locked me out of Chase due to 5/24.  Well, I stuck to business cards for the last while and today when I dipped down to 4/24 I successfully app'd the Freedom Flex card!.  Instant approval...  On a side note Ive been prepping for this day by opening personal, business and retirement banking accounts with chase.  F'yeah.  So freaking happy I can start down the Chase SUB flowchart.  Thanks again.

Message 1 of 20
19 REPLIES 19
AllZero
Mega Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Congratulations on your approval!
Message 2 of 20
M_Smart007
Legendary Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Congratulations!

Message 3 of 20
JoeLuvsHisCredit
Valued Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

waytogo.jpg

Message 4 of 20
cashorcharge
Community Leader
Senior Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Congratulations on your approval!  

Message 5 of 20
gdale6
Moderator Emeritus

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Nice, grats on your Freedom Flex approval Smiley Happy

Message 6 of 20
Red1Blue
Super Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Congrats

Message 7 of 20
coreyb80
Super Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Congrats on the approval!

Message 8 of 20
FalconSteve
Valued Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Congrats on your Chase approval

 

It'll be a while before I am under 5/24 again, but I plan on applying when they do. I didn't burn them, but they burned me (my score dropped because of fraud, so they closed my account)

 

Given that they closed my account, I suspect they blacklisted me (I never get preapproval either). After I buy a house and inquiries aren't going to matter to me, I'll probably apply.

 

it's awesome to hear that it isn't a lifetime blacklist, in case I happen to be on it

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800 CL- AU, wife
3/9/20 Truist Rewards $11k SL- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC (TBOM) $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8 CL
8/2/23 Discover $8k SL
Message 9 of 20
Conceptual23
Frequent Contributor

Re: No Blacklist for me! Approved for Chase Freedom Flex!

Congratulations. 

Starting FICO 8s | 06/2018: EX 601 ✦ EQ 605 ✦ TU 590
Current FICO 8s | 9/2022: EX 732 ✦ EQ 739✦ TU 743
2023 Goal Score: 760+





Business Cards:


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