Re: Chase Card Options...

KJT · ‎12-11-2023

Attempting to get a Chase post BK2015, recently approved CITI card. Any suggestions? FICO 8 scores 747 EQ/708 TU/690 EXP.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.

KJT · ‎12-11-2023

Attempting to get a Chase post BK2015, recently approved CITI card. Any suggestions? FICO 8 scores 747 EQ/708 TU/690 EXP.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.

Brian_Earl_Spilner · ‎12-11-2023

Were they included in BK? If so, you might be waiting a long time. Old process was 10 years from BK if not included, but some people have been able to get in sooner.

RSX · ‎12-11-2023

did you fully pay back everything you owed Chase?

recent Citi card - you might want to wait until it is 6 months old

how many INQ do you have right now?

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k

KJT · ‎12-11-2023

Chase wasn't included in BK7..... Inq. EQ/TU-7 and EXP-11.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.

RSX · ‎12-11-2023

good news about them not being included

chase has a known max 5 ~~Inq~~ in the last 24 months policy, which is rarely circumvented

*****. Meant to say 5 Accounts***

so you will need to wait until you drop below 5/24 for your best chance at approval

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k

KJT · ‎12-11-2023

No! They weren't included.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 823/824 EX 768/799 TU 783/785 AMEX BCE $30K, Delta AMEX $25k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $13K, BOA Unlimited Custom Cash Visa $25K, BOA Travel Rewards Visa $28K, Truist Travel Reward Visa $7.5K, Truist Brightstar Visa $7.5K, Truist $22.4K, Fidelity Visa $35k, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $9K, Amazon Visa Chase $28.5, CITI Custom Cash $10K, CITI Macy AMEX $3.5, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $32k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $10k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; USAA AMEX Reward $21.5K, USSA Visa Reward $16.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $520K.

Remedios · ‎12-11-2023

@RSX wrote:
good news about them not being included

chase has a known max 5 Inq in the last 24 months policy, which is rarely circumvented

so you will need to wait until you drop below 5/24 for your best chance at approval

It's 5 revolving accounts not 5 inquiries

RSX · ‎12-11-2023

aw dang it - my bad

5 Accounts in 24 months

Dec 16/2019. EX. 721. EQ. 723. TU 746
Jan 25/2024 EX. 774 EQ. 751 TU 758
Inq. EX 2 EQ 3 TU 6 - - CC 2x24, 0x12
Amex BCP $35k - Apple GS $21k - BMW/Elan $19k - Cap1 QS $16.7k - Chase Amazon $13.6k - Chase Bonvoy Bountiful $10k - Chase United Club Infinite $26k - Citi CustomCash $3k - Citi DC $14.5k - CreditUnion1 $9k - DiscoverIT $31.5k - PayBoo - $15.6k - Penfed Gold - $19.3k - USB AltitudeGO -$19k- USBank Cash+ -$25k - PenFed LOC - $20k - USB LOC - $15k

Rogue46 · ‎12-12-2023

I'd say go for it as long as you are under 5/24. I cold apped just under 8 years post bk and was approved for the Freedom Unlimited this past spring.

Chase Card Options...

Get your FICO® Score for free

Chase Card Options...

Chase Card Options...