I never had an acount with Chase but they took over a bank I included in bk. That was over 15 years ago and was declined because of negative previous account after a hp.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@coldnmn - That is a very long grudge!
NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
I've never gotten a preapproval on Chase's site, but I was approved for the Freedom and the CSP.
@sunkissed wrote:@coldnmn - That is a very long grudge!
That's why they call it a black list. I wouldn't have applied had I known. I don't even know what previous account it was. I just wish they hadn't done a hp first.
@Anonymous wrote:
@coldnmn wrote:I never had an acount with Chase but they took over a bank I included in bk. That was over 15 years ago and was declined because of negative previous account after a hp.
Yuck. I hope that isn't the case. It was a small account, and is quite old. I just really don't want to waste a HP, and I'd prefer not to try to Recon as I never had any successes with it. I guess we'll see when the time comes to app.
Hi notfancy, I would NOT worry about your Providian that went bad...I had a Providian CO of 7.5K and the Chase Recon guy (I didn't even need a recon/ had him on the phone just in case) said that he really Did NOT care about the bad Providian Card I use to have...Guess it was true, I got approved for a Chase Freedom for 11k, I could have probably got the CSP(I was pre approved for CSP and Freedom), but I want all my cards to have NO AF...the Recon guy said If I want the CSP, just do a PC in 12 months...I think you will be fine, don't worry about Providian....
$600 
$6500 
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12k VSiggy
@Anonymous wrote:
@Vegas247 wrote:
@Anonymous wrote:
@coldnmn wrote:I never had an acount with Chase but they took over a bank I included in bk. That was over 15 years ago and was declined because of negative previous account after a hp.
Yuck. I hope that isn't the case. It was a small account, and is quite old. I just really don't want to waste a HP, and I'd prefer not to try to Recon as I never had any successes with it. I guess we'll see when the time comes to app.
Hi notfancy, I would NOT worry about your Providian that went bad...I had a Providian CO of 7.5K and the Chase Recon guy (I didn't even need a recon/ had him on the phone just in case) said that he really care about the bad Providian Card I use to have...Guess it was true, I got approved for a Chase Freedom for 11k, I could have probably got the CSP, but I want all my cards to have NO AF...the Recon guy said If I want the CSP, just do a PC in 12 months...I think you will be fine, don't worry about Providian....
Thank you for that. Maybe when I do take the plunge, I'll do what you did and have someone on the phone with me while I apply! (hopefully he'll be as nice to me as he was to you!) I'm still sort of researching my options. I can't actually apply until June. Working on some remaining baddies on my report still and they're being stubborn about coming off. Also, if you look at my signature, you'll see I have quite an embarrassing number of inquiries.
I guess the reason I call the RECON DEPT even before I APP, is to get the RECON ANALYST working and spending time with me by apping with me and pulling for me as if we are on the same team....so If I get denied, he or she will approve it for me since they spent a lot of time with me and got to know me and my intentions better and to show that I am a just a good guy that loves their bank and would love to have their product offering...