I have not App'd for a Chase Card since I burned them for $1200.00 back in 2006 and Providian Credit Card which I burned for $6500.00 and shows internally in Chase's system (both are off my Credit Report).
Just got off the phone with a friendly, easy going Chase recon gentleman, who looked me up internally (didn't run my credit) and said those CO's were very old, and said if I were to apply for a card, he would do everything in his power to approve me. I told him my FICO scores EX 658 (AMEX pull) EQ 743(Discover IT pull) TU 785 (Barclay pull). He also said that I already have a Chase Checking Account set up which is good. He also said my $45.00 parking ticket collection on EX was so small that it would not stop me from getting a Chase Card.....It almost sounded like he would of approved right then and there if I applied with him.....
My questions to all of you are:
1. Should I go for a Chase Card whether it's a Freedom or CS or CSP and close my $600.00 Wells Fargo secured card I set up back in November 2013 and get my deposit back if I'm approved for a Chase Card (I'm worried that Wells Fargo won't graduated me after a year because of all the complaints I read here about WF not graduating people after a year)
2. Should I apply for a Chase card and keep the Wells Fargo secured card and have faith in Wells Fargo
3. Should I just stay in the garden?
Any kind, considerate, expert advice(best for my FICO scores & credit profile) is welcome.
$600 
$6500 
$30k 
16k 
12k VSiggy
If interested in the Chase card I would apply. But would also keep the WF card as it isn't hurting anything remaining open. Good luck!
@Vegas247 wrote:I have not App'd for a Chase Card since I burned them for $1200.00 back in 2006 and Providian Credit Card which I burned for $6500.00 and shows internally in Chase's system (both are off my Credit Report).
Just got off the phone with a friendly, easy going Chase recon gentleman, who looked me up internally (didn't run my credit) and said those CO's were very old, and said if I were to apply for a card, he would do everything in his power to approve me. I told him my FICO scores EX 658 (AMEX pull) EQ 743(Discover IT pull) TU 785 (Barclay pull). He also said that I already have a Chase Checking Account set up which is good. He also said my $45.00 parking ticket collection on EX was so small that it would not stop me from getting a Chase Card.....It almost sounded like he would of approved right then and there if I applied with him.....
My questions to all of you are:
1. Should I go for a Chase Card whether it's a Freedom or CS or CSP and close my $600.00 Wells Fargo secured card I set up back in November 2013 and get my deposit back if I'm approved for a Chase Card (I'm worried that Wells Fargo won't graduated me after a year because of all the complaints I read here about WF not graduating people after a year)
2. Should I apply for a Chase card and keep the Wells Fargo secured card and have faith in Wells Fargo
3. Should I just stay in the garden?
Any kind, considerate, expert advice(best for my FICO scores & credit profile) is welcome.
I would've tried to apply with him then and there. Anecdotally, it seems Chase recons are highly dependent on how friendly your analyst is. I would say it wouldn't hurt to try, but I think you'll have a tough sell with that $6,500 CO. If you get approved and WF doesn't graduate you, I vote for shutting it down.
@Leadberry wrote:
@Vegas247 wrote:I have not App'd for a Chase Card since I burned them for $1200.00 back in 2006 and Providian Credit Card which I burned for $6500.00 and shows internally in Chase's system (both are off my Credit Report).
Just got off the phone with a friendly, easy going Chase recon gentleman, who looked me up internally (didn't run my credit) and said those CO's were very old, and said if I were to apply for a card, he would do everything in his power to approve me. I told him my FICO scores EX 658 (AMEX pull) EQ 743(Discover IT pull) TU 785 (Barclay pull). He also said that I already have a Chase Checking Account set up which is good. He also said my $45.00 parking ticket collection on EX was so small that it would not stop me from getting a Chase Card.....It almost sounded like he would of approved right then and there if I applied with him.....
My questions to all of you are:
1. Should I go for a Chase Card whether it's a Freedom or CS or CSP and close my $600.00 Wells Fargo secured card I set up back in November 2013 and get my deposit back if I'm approved for a Chase Card (I'm worried that Wells Fargo won't graduated me after a year because of all the complaints I read here about WF not graduating people after a year)
2. Should I apply for a Chase card and keep the Wells Fargo secured card and have faith in Wells Fargo
3. Should I just stay in the garden?
Any kind, considerate, expert advice(best for my FICO scores & credit profile) is welcome.
I would've tried to apply with him then and there. Anecdotally, it seems Chase recons are highly dependent on how friendly your analyst is. I would say it wouldn't hurt to try, but I think you'll have a tough sell with that $6,500 CO. If you get approved and WF doesn't graduate you, I vote for shutting it down.
That's what I here...I asked if he had an extension so I could call back and ask for him....he said I could not call and ask for him, but he said he could call me back If I needed time to think about it. We set up a time on Monday, and he will call me back to see if I wanted to go for it. That way I could pop on here and ask for advice from you guys!!
@tryme wrote:Can you get a recon approval on a weekend?
I didn't app yet...I call the recon line ahead of time to see what an analyst would say about my past derogs with Chase....that way I could kind of see what my chances would be from a Chase recon specialist in getting back with Chase (sounded to me he would have done it..but they are there this weekend...
@Leadberry wrote:
@Vegas247 wrote:I have not App'd for a Chase Card since I burned them for $1200.00 back in 2006 and Providian Credit Card which I burned for $6500.00 and shows internally in Chase's system (both are off my Credit Report).
Just got off the phone with a friendly, easy going Chase recon gentleman, who looked me up internally (didn't run my credit) and said those CO's were very old, and said if I were to apply for a card, he would do everything in his power to approve me. I told him my FICO scores EX 658 (AMEX pull) EQ 743(Discover IT pull) TU 785 (Barclay pull). He also said that I already have a Chase Checking Account set up which is good. He also said my $45.00 parking ticket collection on EX was so small that it would not stop me from getting a Chase Card.....It almost sounded like he would of approved right then and there if I applied with him.....
My questions to all of you are:
1. Should I go for a Chase Card whether it's a Freedom or CS or CSP and close my $600.00 Wells Fargo secured card I set up back in November 2013 and get my deposit back if I'm approved for a Chase Card (I'm worried that Wells Fargo won't graduated me after a year because of all the complaints I read here about WF not graduating people after a year)
2. Should I apply for a Chase card and keep the Wells Fargo secured card and have faith in Wells Fargo
3. Should I just stay in the garden?
Any kind, considerate, expert advice(best for my FICO scores & credit profile) is welcome.
I would've tried to apply with him then and there. Anecdotally, it seems Chase recons are highly dependent on how friendly your analyst is. I would say it wouldn't hurt to try, but I think you'll have a tough sell with that $6,500 CO. If you get approved and WF doesn't graduate you, I vote for shutting it down.
Yeah I thought $6500 would be a tough sell, but he said "It was from a different bank" and said it with a conviction as if he and Chase can easily overlook that.
Definately let us know if you're successfull. If they can overlook a C/O of $6500, surely they can overlook my burning them in BK for $714 in '09. I'm salivating over the IHG card, and maybe United. 