@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:I burned Chase for a cool $13,212 on a Visa they inherited from WaMu in my 2014 BK. No way in heck am I going to get a Chase-branded card until at least the BK and the closed card fall off my reports in 2024; co-branded cards like the Amazon Prime are a possibility, but I'd have to jump through too many hoops, from what I hear, to be worth it. Even after 2024 I'm not sure Chase would be exactly welcoming. If only they had a card like Amex's Optima...
Falling off the report won't prevent chase knowing from their internal systems! (But knowing doesn't necessarily mean that they will deny you)
I might actually have better luck with Citi, at least on co-branded cards like the Costco Anywhere, even though I burned them both on a mortgage and a Best Buy card in the BK. I'd almost certainly be bucketed and unable to get CLI's, though, so it's probably not worth it.
I was just approved for a Citi DoubleCash Card with a SL of $5000. My last application while in the garden... really my last. I haven't even looked at a credit card app since August 9th. LOL Just like any junky I am dreaming of my next fix, say, January 1st, 2020. I am not sure how to go about reconciling with Chase to prepare for 1/1/2020. For now, I am going to tend to my tradelines and work on some CLI and lower APRs. I will probably weed out my Cap1 QS1 if I don't like what I hear when I speak with Cap1 in Nov re: my AF.
I wish I paid attention to my credit twenty years ago like I am now, I would be golden. Shoulda, woulda, coulda!
The data points with this are all over the place, and some have better luck than others. I'm one of the luckier ones.
I also burned Chase via Wamu, and I applied for the IHG Mastercard in 2016 to see if I was on the naughty list. Arguably not the best reason to apply for a card, but I digress...
Unsuprisingly it went to review, but a couple of days later I was approved for $9k at the lowest APR. I didn't recon - I just let the process play out.
A few months later when the Chase Amazon Visa was revamped I applied for it, and it was instantly approved by the automation, but only for $500. I chuckled that I would have been better off had it gone to review, since others with weaker profiles were getting larger credit lines. I don't know if my Wamu past impacted the credit line or not.
I can add that even with semi-heavy use, I never got an auto-CLI from Chase; eventually I did a reallocation from the seldom-used IHG to make the Amazon more usable. I've also never requested a CLI, since it's a HP and they are notorious for being stingy.
Anyway, hope this helps. 
@UncleB wrote:The data points with this are all over the place, and some have better luck than others. I'm one of the luckier ones.
I also burned Chase via Wamu, and I applied for the IHG Mastercard in 2016 to see if I was on the naughty list. Arguably not the best reason to apply for a card, but I digress...
Unsuprisingly it went to review, but a couple of days later I was approved for $9k at the lowest APR. I didn't recon - I just let the process play out.
A few months later when the Chase Amazon Visa was revamped I applied for it, and it was instantly approved by the automation, but only for $500. I chuckled that I would have been better off had it gone to review, since others with weaker profiles were getting larger credit lines. I don't know if my Wamu past impacted the credit line or not.
I can add that even with semi-heavy use, I never got an auto-CLI from Chase; eventually I did a reallocation from the seldom-used IHG to make the Amazon more usable. I've also never requested a CLI, since it's a HP and they are notorious for being stingy.
Anyway, hope this helps.
Thanks for relaying your experience. I have no one to blame but myself. If I can get a Chase 5/24 card when I immerge from the garden that will be great. If I can't, I understand. I take responsibility for my actions and accept the consequences.
10 years from previous default is typically the time that they will no longer outright deny. You will never be auto approved with them and all apps will go pending or be denied for whatever reason.
@sjt wrote:
@Medic981 wrote:In 2009, in the aftermath of the recession, I burned Chase Bank by defaulting on a Washington Mutual credit card. The amount was less than $800, passed the SOL and dropped off my credit report. In 2020 I am going to want to apply for my first 5/24 Chase CC.
I am curious as to what kind of reception I am going to get. Does Chase Bank have a long internal memory? I am going to garden until 2020 and it would not be an unexpected disappointment if I get denied because of my irresponsibility ten years ago. I don't even know how to find out what I would owe them if I decided to pay the outstanding debt.
I do have two CA stalking my CR through soft pulls. I wonder if one of these CAs are looking to collect on trash debt sold to them by Chase.
Chase has a very long memory but I have been able to get a Chase card even with old accounts still in their system. I dont think you will be blacklisted over $800. You should check their pre-qual site to see if anyting shows up.
I have never pre-qualified for a Chase card which is why I have never applied, even before I exceeded the 5/24 rule. So I will wait until 2020 and start checking if Chase might want me back after I leave the garden.
I got a CSP from chase yesterday 16.5k
2017 Ritz carton card 25k
2016 Freedom card 5k
2012 short sale on chase mortgage
2007 Auto loan 50k paid in full
late 90s charge off for $900
as they say YMMV
when I called for the latest verification they told me they still see the chargeoff from 90s in their internal system.
Long memory yes but I stil got 3 cards from them.
I was at 4/24 for one day when I applied for the CSP
