How long till chase let's you back in?

[user365735]

Should I assume years? When the discharge falls off?

[OmarGB9]

There's no fixed amount of time. It varies by profile and is based on many factors - how long ago the delinquency happened, the amount, whether it's paid or unpaid, etc. Most likely though, yes, you're looking at years. 

[Remedios]

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@user365735 wrote:

Should I assume years? When the discharge falls off?

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There is no set time, especially if you burned them. 

Typically, Chase will not approve with BK on file, there were a few denials that resulted in successful recon, I personally wouldn't count on it. 

If you burned them, you can assume years, decade, sometimes longer.

If you didn't burn them, once BK falls off. 

[7774x]

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@Remedios wrote:

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@user365735 wrote:

Should I assume years? When the discharge falls off?

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There is no set time, especially if you burned them. 

Typically, Chase will not approve with BK on file, there were a few denials that resulted in successful recon, I personally wouldn't count on it. 

If you burned them, you can assume years, decade, sometimes longer.

If you didn't burn them, once BK falls off.  

 Waited 10 years .... surprised to get a preapproved offer in mail.. for slate,  it  was  legit with a $12,500 limit.. took it ..18 months  zero rate

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[fury1995]

After 15 years, my hubby just got back in last week as primary on a CFU. This was after 6 joint CAF accounts opened and closed over the last 8 years and AU on my Amazon Visa for the last 10. However, we don't know if he would've been approved earlier as this was the first attempt. 

[Horseshoez]

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@user365735 wrote:

Should I assume years? When the discharge falls off?

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My Chapter 13 included a Chase credit card with over $10,000 outstanding, the discharge fell off in early 2022 and I applied in late 2022 for a CSP; I was approved right out of the gate for $11,700.  Not sure if I would have been approved if I'd done an online application or not, in my case the application happened as part of the process of opening a checking and savings account while in a branch.

[Guyatthebeach]

User365735,

I got back into Chase a few months after my chapter 7 bankruptcy dropped off all my CR's. I got the Chase Amazon Visa with a preapproval on Amazon's website.  I literally started checking every month after it fell off.BTW, Chase was IIB.

Guyatthebeach

[sean31732]

The most important factor is how the relationship was severed... 

As the others have said, it will largely depend on how BAD they were burned.

Can you tell us how it ended the first time around? (details)

[ThomasJNewton]

Just a data point. Have a friend who had two cards with Chase that they closed at the end of 2020. He had been running a balance, and had an auto-pay bounce becasue he did not understand that if one has a dollar amount auto pay, it happens even if one has already paid one's minimums (replaced the payment before they even knew it had bounced, but it did not matter). The cards were paid in full and never reported any derogatories (other than the closed by credit grantor note). After getting an offer from them for $225 to open a checking account, he did so, and was surprised to receive pre-approved offers for Chase Sapphire Preferred and Reserve, various Freedom, Airline and other cards from them. That whole process was less than 24 months. He has not opened a new card with them (he is still angry about them taking his Ulimate Rewards points) and as soon as the six months pass he plans to close the checking account, but they did give him the offer.

[Jedibarber007]

I burned chase in 2013...and just now literally 10 years later I have pre approvals from them. I think I am finally off their black list. I think what's helped is my business relationship with them