@sjt wrote:
@Anonymous wrote:They denied my Freedom Unlimited app because of a WAMU CO that was already 7+ years old at the time, and this is after approving me for CSP initially for 9k. On a 3rd recon call the guy agreed to give me the FU if I split the CSP's limit.
That CO was paid in full after a few years mind you, and was not even with Chase directly.
When you spoke to the analyst the first two times what did they ask and say to you?
The first two didn't ask anything -they just said that due to the derogatory history from that account they could not approve a new one for me. The 3rd guy listened to reason 
I burned them for $3,500 back in 2010. It fell off my reports ages ago. I found out last year that they did sue me shortly after. I never got it due to a typo on the address.
Around then I read on the forums about a settlement involving accts that included mine. Basically Chase was involved in a lot of illegal collectin practices including skipping over normal collections and going straight to lawsuits. That's what they did to me because the lawsuit was filed just 6 months after I defaulted.
Anyway, I only found out about the lawsuit because they sent me a letter about a year ago telling me the were vacating the judgement and could no longer attempt to collect on the debt. These were requirements of the lawsuit settlement. Look up Chase whistleblower. It's quite the interesting story.
I applied last year just to see the decline reason. It was nothing to do with past delinquent accts but rather not enough experience with credit.
Last week I got approved for the Amazon rewards Visa, which is backed by Chase. I was sooooooo excited. I know it's not the same but it's something. I now have a login on Chase's website
I also applied again for the Freedom U and got declined with the reason being the 5/24 thing, no other reason. I think I'm off their blacklist less than 7 yrs after defaulting. Once I get beyond the 5/24 rule in 2 yrs, I'll feel like I'd get approved for a CC.
Around then I read on the forums about a settlement involving accts that included mine. Basically Chase was involved in a lot of illegal collectin practices including skipping over normal collections and going straight to lawsuits. That's what they did to me because the lawsuit was filed just 6 months after I defaulted.
Anyway, I only found out about the lawsuit because they sent me a letter about a year ago telling me the were vacating the judgement and could no longer attempt to collect on the debt. These were requirements of the lawsuit settlement. Look up Chase whistleblower. It's quite the interesting story.
I applied last year just to see the decline reason. It was nothing to do with past delinquent accts but rather not enough experience with credit.
Last week I got approved for the Amazon rewards Visa, which is backed by Chase. I was sooooooo excited. I know it's not the same but it's something. I now have a login on Chase's website
I also applied again for the Freedom U and got declined with the reason being the 5/24 thing, no other reason. I think I'm off their blacklist less than 7 yrs after defaulting. Once I get beyond the 5/24 rule in 2 yrs, I'll feel like I'd get approved for a CC.