Chase recon

[jim44]

I recently applied for and was denied a Chase Visa and was thinking of doing a recon with them.   I know you can apply at a branch office but has anyone done a recon at one?  I've done this successfully with Wells Fargo.  Thanks for all replies.

[09Lexie]

Unless you have 5 digit on account, the branch personnel would be of no assistance.  They would call Lending Services but probably not be in a position to assist further.  Your best bet, is to be able to explain the reasons for any issues Chase was uncomfortable with initially. 

[Creditaddict]

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@jim44 wrote:

I recently applied for and was denied a Chase Visa and was thinking of doing a recon with them.   I know you can apply at a branch office but has anyone done a recon at one?  I've done this successfully with Wells Fargo.  Thanks for all replies.

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What is your score?

Do you know denial reasons yet?

[jim44]

Creditaddict.. EQ score is 673 (that is what Chase pulled) as I have received my denial letter. Chase was great in telling me their reason for denial....BK ... and not listing auto denial reasons. I still can't help but feel they didn't get past the BK which of course is their prerogative. Still pre BK I had a great relationship with them. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo.  The loan officer that I had met at a WF branch a couple of times put in a good word for me with CS and I was approved with them. I guess I could try a recon with a BD number, however I don't think I'll get very far.

[heyarrnold]

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@jim44 wrote:

Creditaddict.. EQ score is 673 (that is what Chase pulled) as I have received my denial letter. Chase was great in telling me their reason for denial....BK ... and not listing auto denial reasons. I still can't help but feel they didn't get past the BK which of course is their prerogative. Still pre BK I had a great relationship with them. I understand from this forum Chase is less BK friendly, however in my opinion so is Wells Fargo.  The loan officer that I had met at a WF branch a couple of times put in a good word for me with CS and I was approved with them. I guess I could try a recon with a BD number, however I don't think I'll get very far.

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It never hurts to try does it? Go ahead and call. You have already been told no, it cannot get any worse. Who knows, you may end up getting a favorable response. 

[Creditaddict]

How old is bk?
It was probably system declined.
Look in helpful threads above, back door numbers and call chase recon

[09Lexie]

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@Creditaddict wrote:
How old is bk?
It was probably system declined.
Look in helpful threads above, back door numbers and call chase recon

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+1 and was Chase IIB?

[jim44]

Chase wasn't burned and I'm 4 years out.  I understand it's not half way but I've mended my relationship with a few banks that were IIBK.  Regardless of the reason, I had 100%  prior payment history with all my cc's..... but a BK is a BK. 

[Creditaddict]

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@jim44 wrote:

Chase wasn't burned and I'm 4 years out.  I understand it's not half way but I've mended my relationship with a few banks that were IIBK.  Regardless of the reason, I had 100%  prior payment history with all my cc's..... but a BK is a BK. 

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yeah chase is kind of like amex with BK... most need to be 75% of the way through if not completely before they get back in.

I don't know who you managed to get a hold of at Wells but i have an account listed as bk not even a bk and i was pre-approved and could not get a recon... they were impossible.

[PlasticOrPlastic]

Good luck, but to be honest I wouldnt hold your breath on the recon.  I was shut down fast during my 4 recon attempts.  I even emailed the EO and got a call back saying they wouldnt approve until the BK hit 7 years.  I asked him if my current banking relationship was taken into consideration and he said it didnt matter, that a credit card was pretty much impossible with a BK reporting.  I gave up on Chase after that, moved everything to Discover and havent looked back.