Getting back in with Chase question

[Anonymous]

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@toothgrind3r wrote:

Lots of people on this board are very educated when it comes to credit card lenders.  Lots of people on this board know a lot more then I do about this stuff.  

Lots of people on here can give extremely accurate answers on a lot of credit card topics.

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In an attepmt to be rude to almost everyone, let me say I don't think the bolded part is particularly true.

You WILL get a lot of confident answers, but in many cases these are based either on things that have been repeated here over and over (and thus become taken as true) or based on an individual's experience (and in such cases the individual may not be aware which positive or negative factors actually determined the outcome).

Now some things you will get good answers on (generally):  how do I use this benefit, can I transfer points from card A to partner B, what's the best way to use MR for a trip from X to Y(although some questions are better answered on FlyerTalk)

But almost all questions concerning approvals, and many concerning CLIs are way too much YMMV to merit  the phrase "extremely accurate answers"

[Anonymous]

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@toothgrind3r wrote:

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@Anonymous wrote:

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@toothgrind3r wrote:

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@Anonymous wrote:
Why not just apply and see what happens? No one here will be able to give accurate answers anyway.

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Lots of people on this board are very educated when it comes to credit card lenders.  Lots of people on this board know a lot more then I do about this stuff.  

Lots of people on here can give extremely accurate answers on a lot of credit card topics.

I have seen people say "if there is a hard pull, you're not on their blacklist".

This thread was to see if I could get a little more clarification on that.

I think we've all come to the conclusion that YMMV.

I didn't want to "apply and see what happens"...I wanted to get more information before I apply.  At this point in my credit card life I would rather not go throwing hard pulls around willy nilly.  

*I edited this post because my reply sounded rude when I wasn't trying to be*

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I've cards with all the popular banks mentioned here, above 770 FICO scores, 50 inquiries on each report, and still getting approved for cards like my recent CSR. I think I have credibility when I say no one will be able to give you an accurate answer for the situation you're in. You're just going to have to test with a hard pull to confirm or deny the advice people have given you. And since you're not going to initiate the hardpull because of whatever fear, all the advice given to you so far is pretty much just theory.

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Thank you for not reading a word I said anywhere in this thread.  Very helpful.

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Just goes to show how much I really care.

[Anonymous]

Here's a data point. I had an paid in full collection to Chase for $2000. Tried to apply after it aged 5 years and got a letter stating the denial reasion was "Previous delinquent relationship with bank." Or something to that effect.

Fast forward 2 years later, the account fell off my reports, applied again. "Previous delinquent relationship with bank"

Fast forward a year later, minimal inquiries, 1% utilization, scores in the high 700s, applied again. "Previous delinquent relationship with bank".

That last time, I called for a recon, said they couldnt do anything. Emailed the EO office, and they overruled the decision and got a card.

So I'd say if your report is clean, apply, and if you get the message I did, which I'm assuming is the blacklsit message, then email the EO and get a card.

[Scupra]

http://ficoforums.myfico.com/t5/Credit-Cards/Forum-Etiquette/m-p/2905196#U2905196

Everyone please remember to be courteous and respectful to all members.