Well it's funny when you say "Chase Material".....About 8 years ago I was dumb and let my young self screw up my credit. I had CC charge offs from Chase, Providian, Wellsfargo, AMEX, and Discover. Long story on why that happen.
Been trying to rebuild my credit over the last year. My CR was clean other then two medical COs. I appied for WAMU about 5 months ago. I was declined due to the CO with Providian. Of course WAMU merged with Providian. Talking to them for a recon didn't get me anywhere.
I figured what the heck I was burning up INQs anyways so I figured I would try Chase. I had a $2,000 CO with them. I appied online and got the 7-10 day message. I called them up two days later and the lady explained to me I was declined but offered to look at the app. She started to question me about the two medicals and I answered those questions. Then she says she sees why I was denied. I had a charge off with them that was never paid. It was still in their system. Asked me what happened, told her I fell on hard times. She said she understands and would reverse the denial and give me a $3,000 CL. Heck I was excepting like a $500 CL. I of course was not going to get my hopes up till I had the card. Well about 2 weeks or so later I got it.
So at least for me it was much harder to get back in good with WAMU then with Chase. Learned my lesson, I pay everything right when the bill cuts if not before now.