Not sure if this is the right place to post this or not...and I did do a search and found some threads that kind of answer my question, but not completely. (and they were old and didn't allow me to revive it)
Anyway, I burned Chase for about $1500 way back when and it went to collections. Ended up paying collection for less then full amount.
Fast forward to a few months ago, and all my reports are clean, with Chase/Collection the last to fall off of Experian.
Now, I have read that if you are in fact blacklisted by Chase, when applying for a credit card they will NOT pull your report. Before I new any better, I had applied for the Freedom a few years back, and I was obviously denied, but I know that I DID get an inquiry on my Experian report from them.
So would it be safe to say that I am in fact not blacklisted? And now with my scores, clean report, and other cards (good ones too...Amex, Prestige, etc, multiple cards over $20,000 limit), i could have a decent chance getting back in with them?
Basically, I am okay getting denied if they don't like something about my report. But I don't want to waste a HP if they still pull even if I'm blacklisted.
@Pway wrote:Chase has a long internal memory as well. Just becaus it is off your reports does not mean they have erased it from their books. I am not saying that you would or would not get approved but just remember that they have it noted that your account was in collections and you paid it. If you are denied you could try and recon, it does not hurt.
Of course, I understand that. I am just reading conflicting information on wether or not they will pull your report if they have you in their internal system as burning them. That's the information I'm looking for.
@creditguy wrote:The problem here is you have conflicting information, and you always will. Some people will swear that Chase will not pull a CR if your Blacklisted while others like myself will say yes they will. The only way to overcome the uncertainty is apply and find out for sure. The main issue I see here is paying the Collection agency less than the full amount. This tells me that Chase wrote off the debt and the money did not go to them, so even though you paid something you still burned Chase. It all comes down to how much you hurt their feelings, they are fairly thin skinned. I'd say if you don't need one of their cards desperately and it doesn't appear as though you do, then just pass on applying with them for a while, If you haven't already, check out their Pre qual page and see if something comes up, that could help sort this out as well, Good Luck with whatever you dedcide to do.
Yeah, i get it...as with most things related to this board, YMMV applies in this case too.
I have my eye on a couple of their cards...would be really ncie to get, but it wont kill me if I get denied and use a HP for it. I have tried their pre qual page with nothing coming up, but I almost NEVER get anything on any of those pages, except for Capital One. Yet I've still been approved by every other big bank out there.
Yep, yep. There is no way to tell ahead of time - although you could try cold calling a rep and asking them what they think.
@Anonymous wrote:
Why not just apply and see what happens? No one here will be able to give accurate answers anyway.
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*