Chase after bk

[AverageJoesCredit]

Sorry Kugel, the Credit One was not meant for you it was more a joke or my bad Credit One humor.

Ill tell you the black list worse than any big bank is Banco Popular. Not only dont they forget they dont forgive. Not like i need any of their credit cards, basically worthless imo and nothing i cant get elsewhere.

[DaveInAZ]

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@Anonymous wrote:

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@FinStar wrote:

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@kugel wrote:
Thanks
Thanks god navy penfed cap one and discover saved me a total of 180k available credit
Yea what about Bofa , Barclays ,?

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If Barclays was IIB - not much of a chance.  Although, there's been some rare reports of individuals being able to get back in.  Worse case scenario, you can try them.  If still on the naughty list, it will be a SP.

BoA can be forgiving, whether you IIB or the presence of BK.  So, there may be a ray of hope with them.  If IIB, it's whenever they want to let you play in their sandbox.  HP no matter what when you apply.

My suggestion is to nurture those that you have now and treat them well.

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BoA doesn’t blacklist? I burned them for about $8K so not a huge amount but I figured I would never be able to get a card with them again. 

I burned BoA and US Bank in my BK. US Bank got burned for a CC and a checking reserve line so I think I’ll be on the naughty list a long time but BoA might be worth a shot when I’m slightly less LOL/24 and 700 across the board. 

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The best way to get back in with BoA if IIB is a secured card. I included a BoA CC for $9k in my 2010 BK7 and opened a secured card in 2015 for the minimum of $300, today it's a Cash Rewards card with $5k CL, and in 4/2018 they approved me for a Travel Rewards card for $5k CL. They tell you the secured card will unsecure at 12 months, I called in and got it unsecured at 8 months (Backdoor #s, Secured Cards). Then in 2017 I called in and asked if there were any upgrade offers and got it upgraded to Cash Rewards and got a CLI, no HP.

I've read that a secured card is also a good way to get back in with Citi, but those can only be opened in branch, and no Citi branches in AZ, so no Citi for me, but no loss in my opinion.

[Anonymous]

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@Anonymous wrote:

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@kugel wrote:
So Amex if I did include them
How long wait is it ?

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Now that one I believe is 5 years minimum.  There will be no guarantee to ever get back in with them if they were IIB.  Some have got lucky and I remember reading about 1 member that is well over the 20 year mark and hasn't been able to get back in.

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If you didn't have an account with them that was IIB, on the other hand, your chances at the end of 5 years post-discharge should be decent depending on your overall credit profile when you go to apply, particularly if you start getting pre-qualified/pre-approved offers at that point. I never even have had an account with Amex, so I'll likely start looking seriously into a card with them late this year (since my BK filing and discharge took place in the fall).

[kugel]

U got discharged fall from bk
And u plans already looking in into a annex card by end of the year isn’t early ?

[Anonymous]

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@kugel wrote:
U got discharged fall from bk
And u plans already looking in into a annex card by end of the year isn’t early ?

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I was discharged in late fall 2014. That means it'll be 5 years as of late fall 2019.

[DaveInAZ]

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@Anonymous wrote:

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@kugel wrote:
U got discharged fall from bk
And u plans already looking in into a annex card by end of the year isn’t early ?

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I was discharged in late fall 2014. That means it'll be 5 years as of late fall 2019.

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My discharge was 1/31/2011, Amex pre-qual didn't show any pre-qual approvals for me until spring 2017, 6 years post discharge. Amex not included in BK, perhaps they might have approved me sooner, but I wanted a pre-qual just to be sure.

[Anonymous]

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@DaveInAZ wrote:

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@Anonymous wrote:

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@FinStar wrote:

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@kugel wrote:
Thanks
Thanks god navy penfed cap one and discover saved me a total of 180k available credit
Yea what about Bofa , Barclays ,?

---

If Barclays was IIB - not much of a chance.  Although, there's been some rare reports of individuals being able to get back in.  Worse case scenario, you can try them.  If still on the naughty list, it will be a SP.

BoA can be forgiving, whether you IIB or the presence of BK.  So, there may be a ray of hope with them.  If IIB, it's whenever they want to let you play in their sandbox.  HP no matter what when you apply.

My suggestion is to nurture those that you have now and treat them well.

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BoA doesn’t blacklist? I burned them for about $8K so not a huge amount but I figured I would never be able to get a card with them again. 

I burned BoA and US Bank in my BK. US Bank got burned for a CC and a checking reserve line so I think I’ll be on the naughty list a long time but BoA might be worth a shot when I’m slightly less LOL/24 and 700 across the board. 

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The best way to get back in with BoA if IIB is a secured card. I included a BoA CC for $9k in my 2010 BK7 and opened a secured card in 2015 for the minimum of $300, today it's a Cash Rewards card with $5k CL, and in 4/2018 they approved me for a Travel Rewards card for $5k CL. They tell you the secured card will unsecure at 12 months, I called in and got it unsecured at 8 months (Backdoor #s, Secured Cards). Then in 2017 I called in and asked if there were any upgrade offers and got it upgraded to Cash Rewards and got a CLI, no HP.

I've read that a secured card is also a good way to get back in with Citi, but those can only be opened in branch, and no Citi branches in AZ, so no Citi for me, but no loss in my opinion.

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At this point adding a secured card to my wallet would actually look quite bad in a review I would think. I don’t actually have any dire need for BoA in my wallet right now and since they were the ones who pretty much forced me to have to do BK in the first place, I’m probably better off without them but it’s good to know if I ever want something I’ll have a chance at least. 

[kugel]

Same here I’m not exactly happy to get in back with BANK OF AMERICA since they have a weakness to close accounts for people that’s what he did to me in the past
And this and this was for no reason

[Anonymous]

I have a feeling I am one of those people that will be a 10+ if always blacklisted by Chase and Citi.  My BK is only on my EQ and will be gone next month and I still cannot prequal for either card.  I burned both hard though in the BK (north of 100k) so I think I might be on the forever list.

[sjt]

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@kugel wrote:
Yea but after five years is ok to get in

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Chase changed their policy a while ago. You used to be able to recon an app if your BK was over 5 years. Its not the case anymore.