Burned Chase in the Past - New CC with them

[Anonymous]

Hi,

So about 7 years ago I had a checking account with Chase it ended up over drafting about $100 and was closed. It's so old it can't be paid off either.

I just App'd and was approved for their AARP card. Today I got it in the mail and was setting up online banking for it, but it kept prepopulating all my old information (address, phone #, etc.) instead of all the new information that was on the app.

Do you think this will hurt me down the line with them?

[Anonymous]

Congrats on the approval!  Any data points -- starting limit, what bureaus they pulled/scores, was it a cold app or a prequalified offer somewhere?

Doubt the address change will make a difference.

[Anonymous]

Thanks! It's not the address change it's that they have all that info linked to a burned Chase account I'm hoping/wanting to build a good rep with them and when I'm under 5/24 in August to get their Southwest Card. They've sent me a bunch of prequals in the mail for it, but they're teases.

As far as data points:

Cold App
2 HP's from EX and EQ
It says my internal Chase score is 756 (from 250 to 900)
Actual FICO is about 705
Starting Limit: 4,000

[Anonymous]

You apped with your correct address, right?

If so, I'd just manually change the account address to the correct one.

[Anonymous]

Yes, with my current address.

Okay I just don't want to get burned because of it. About a year ago we opened a business checking with them, 2 days later we get an email the account has been closed by their internal security because of the old burned account. I offered to pay it they said it's been too long and so on.

[mysterythemoon]

I overdrafted with Chase in 2011 for about 700 bucks, got reported to ChexSystems, and obviously got my account closed. In 2016 I app'd for the CSP and was instantly apporoved. My bet is that they don't use the same systems.

[UncleB]

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@Anonymous wrote:
Thanks! It's not the address change it's that they have all that info linked to a burned Chase account I'm hoping/wanting to build a good rep with them and when I'm under 5/24 in August to get their Southwest Card. They've sent me a bunch of prequals in the mail for it, but they're teases.

As far as data points:

Cold App
2 HP's from EX and EQ
It says my internal Chase score is 756 (from 250 to 900)
Actual FICO is about 705
Starting Limit: 4,000

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You should be fine. 

In 2016 I opened a Chase IHG, and when I got the card and setup the online access I noticed the same as you... in my case, there was old info related to a Providian/Wamu account that was charged off 10+ years ago. 

I simply updated the old info with my new phone/address/etc.; so far it's never caused me any issues.  I've also been approved for an additional Chase card since then (Amazon Visa).

[Anonymous]

All the above is quite interesting - I had previously thought that it wasn't possible to get a Chase card, even a co-branded one, for a full 10 years after BK if you had burned them in said BK. It's been only a bit over 3 years since my own BK (which included a Chase Visa) was discharged, so I guess I still have at least two more years to wait before I can think of trying apping to them again, but that's a hopeful sign. I do think of getting their co-branded Amazon Prime Visa sometime down the road.

[Anonymous]

I never ever want to burn any bank for me credit is the future and I want the most options.

[Anonymous]

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@Anonymous wrote:

I never ever want to burn any bank for me credit is the future and I want the most options.

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Great attitude but ... remember all of us get hit with "life happens" and I mean all of us! Hope you can hold to your views today