Closed Account Question

[Larkfield]

Looking to apply for new credit.   5 years ago I had a Chase card closed for past due balance.  I paid off the entire balance 4 years ago.   Does that pretty much make me inelligible to apply again for a Chase card today?

What about when it falls off my credit report?

Thanks in advance.

[09Lexie]

Welcome to the forum! Since it was eventually paid its not a deal breaker. However, Chase has a long memory and they might weigh the past late against you even if its off your cr. if everything else is pristine you might have a shot

What cc? Any baddies?

[Larkfield]

Thanks.  My last negative mark was 4 years ago.  I wonder since I have a banking relationship with WF that should just apply with them.  Based on my score, do you suggest any other cards?

[09Lexie]

What kind of cc are you looking for? Travel, cash back, etc?

[Larkfield]

Either.   Current have 2 open Capital One's with a total of a $1700 CL.    Basically have tried in the past to get limit increases but they have replied that the card is not eligible.  I have seen the threads on the executive office and will try that route as well, but basically Im looking for an alternative to capital one and a reward card would be nice but not a deal breaker.

Much appreciated.

[09Lexie]

Definitely email the EO for a CLI. Do you do a lot in grocery shopping, gas, Amazon purchases?

[Larkfield]

Thanks.   Yes to all...