Curious about the ins and outs of Chase

[UpperNwGuy]

Chase has much better rewards cards than does Amex.  If you have to choose, go with Chase.  Superior in every way.

[Anonymous]

Great info guys, thank you. I always heard about AmEx and their rewards but not so much on Chase. I’ll do the due diligence when I get to that point. Thank you.

[Anonymous]

My own issue with Chase has always been that I've never been able to quite sort out whether it's easier (or indeed at all possible) to get a co-branded card (specifically, the Amazon Prime Visa) as opposed to cards with the Chase brand for people with a bankruptcy in their past. I know for certain that Chase won't even consider you for a self-branded card if you burned them in BK - as I did in 2014 - until at least the BK has fallen off your report, but I keep reading conflicting reports of whether people recovering from BK can get a co-branded (again, Amazon) card backed by Chase. I'm gardening for the rest of this year at least, but if there's a realistic chance I'd certainly like to investigate getting the Amazon Prime Visa next year sometime.

[SouthJamaica]

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@Anonymous wrote:

My own issue with Chase has always been that I've never been able to quite sort out whether it's easier (or indeed at all possible) to get a co-branded card (specifically, the Amazon Prime Visa) as opposed to cards with the Chase brand for people with a bankruptcy in their past. I know for certain that Chase won't even consider you for a self-branded card if you burned them in BK - as I did in 2014 - until at least the BK has fallen off your report, but I keep reading conflicting reports of whether people recovering from BK can get a co-branded (again, Amazon) card backed by Chase. I'm gardening for the rest of this year at least, but if there's a realistic chance I'd certainly like to investigate getting the Amazon Prime Visa next year sometime.

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I think the degree of difficulty in getting most Chase cobranded cards is the same as the Chase brand cards with one exception: all of the Chase brand cards are subject to the 5/24 rule, while only some of the cobranded cards are subject to that rule.

I don't think that it's so much the 'burning' of Chase in a bankruptcy that touches them off, it's the very fact that you have a bankruptcy in your profile. They're the only lender I've seen who asks you that question in the application.

My advice would be not to waste the HP's on Chase applications.

[Anonymous]

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@SouthJamaica wrote:

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@Anonymous wrote:

My own issue with Chase has always been that I've never been able to quite sort out whether it's easier (or indeed at all possible) to get a co-branded card (specifically, the Amazon Prime Visa) as opposed to cards with the Chase brand for people with a bankruptcy in their past. I know for certain that Chase won't even consider you for a self-branded card if you burned them in BK - as I did in 2014 - until at least the BK has fallen off your report, but I keep reading conflicting reports of whether people recovering from BK can get a co-branded (again, Amazon) card backed by Chase. I'm gardening for the rest of this year at least, but if there's a realistic chance I'd certainly like to investigate getting the Amazon Prime Visa next year sometime.

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I think the degree of difficulty in getting most Chase cobranded cards is the same as the Chase brand cards with one exception: all of the Chase brand cards are subject to the 5/24 rule, while only some of the cobranded cards are subject to that rule.

I don't think that it's so much the 'burning' of Chase in a bankruptcy that touches them off, it's the very fact that you have a bankruptcy in your profile. They're the only lender I've seen who asks you that question in the application.

My advice would be not to waste the HP's on Chase applications.

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In fact, Commerce Bank also asks you that question - I found this out when I was checking out Charity Charge last Friday (I didn't actually apply in the end). I've always thought it's kind of odd that an issuer would ask that question in a loan application, considering that the derogatory mark from the BK would be right there in the HP of one's credit report, not to mention the SP.

[wasCB14]

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@SouthJamaica wrote:

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@Anonymous wrote:

My own issue with Chase has always been that I've never been able to quite sort out whether it's easier (or indeed at all possible) to get a co-branded card (specifically, the Amazon Prime Visa) as opposed to cards with the Chase brand for people with a bankruptcy in their past. I know for certain that Chase won't even consider you for a self-branded card if you burned them in BK - as I did in 2014 - until at least the BK has fallen off your report, but I keep reading conflicting reports of whether people recovering from BK can get a co-branded (again, Amazon) card backed by Chase. I'm gardening for the rest of this year at least, but if there's a realistic chance I'd certainly like to investigate getting the Amazon Prime Visa next year sometime.

---

I think the degree of difficulty in getting most Chase cobranded cards is the same as the Chase brand cards with one exception: all of the Chase brand cards are subject to the 5/24 rule, while only some of the cobranded cards are subject to that rule.

I don't think that it's so much the 'burning' of Chase in a bankruptcy that touches them off, it's the very fact that you have a bankruptcy in your profile. They're the only lender I've seen who asks you that question in the application.

My advice would be not to waste the HP's on Chase applications.

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Chase is not far behind Amex when it comes to having a long memory. I've heard of Chase rejecting apps because a customer once burned a bank Chase later acquired.

But in the case of a 2014 bankruptcy, that's certainly recent enough that Chase could dislike even a non-IIB BK.

[Anonymous]

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@Anonymous wrote:

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In fact, Commerce Bank also asks you that question - I found this out when I was checking out Charity Charge last Friday (I didn't actually apply in the end). I've always thought it's kind of odd that an issuer would ask that question in a loan application, considering that the derogatory mark from the BK would be right there in the HP of one's credit report, not to mention the SP.

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Commerce Bank asks if you have declared BK in the last 10 years.  It's possible that a Chapter 13 BK wouldn't still be on the report after 7 years, so in that case the question has merit.

[xaximus]

Personally, it really falls onto what you are looking for. Each lender has its own merits and demerits. Amex is a bit easier to start off with since they seem to want to be your main or DD. Chase usually prefers to see atleast a few months to a year history before giving CL's.

I would suggest looking at the offerings and see what seems the most useful to you. From there, there are data points to look at to see if it works for you or not.

[crnbread73]

I don't have experience with AMEX as I just got approved today.  I do have a banking relationship with chase.  I am happy with Chase and have several cards with them.  I think having a banking relationship can help.  I started with the Disney card and since have expanded.  Just this week was approved for the United card and got a large increase on my Freedom card.  I can't complain about them.  My only complaint is that I desperately want the Southwest cobranded card and it is forever out of my grasp.  I am determined just gonna have to wait a little while to get it.  My last denial stated I had too many cards with Chase.  Go figure lol