@Anonymous wrote:
@grillandwinemaster wrote:
@Anonymous wrote:
@grillandwinemaster wrote:Oh, BTW, I've heard anecdotal evidence that Chase Amazon has the losest underwriting standards of the Chase cards.
I applied, and I'm currently waiting on a 30 day notice. Maybe I'll finally get My "IN" with Chase.
Best credit wishes to you!
+1 If they approved my recon for Chase Amazon, they must have loose underwriting standards. Either that or my powers of persuasion were elevated that day.
Hey Bella!
Ok, you must share your Amazon recon story. I can use some pointers in case I need to recon. I would love getting my "in" sooner rather than later.
Sure, grill!
Nov '15 BK discharged
Chase IIB for approximately $9000
2/15/17Apped Chase Amazon
30-day review, then received denial letter 6 days later
Next morning called Chase to recon
Got a very nice rep on the phone. She asked me basic questions about my income length of employment with current employer which was almost 13 years. About my husband's employment too. Then the heavy stuff, she asked me to describe the events leading to my BK. I was honest. we did carry high balances, but always, always, always paid on-time, never missing a payment and then I went into all of our personal details which for every person who's gone through BK or has other baddies will be different. But I just told her the truth. I will tell you this, that I told her how I called our creditors, including Chase, and asked for them for help, asked them to lower our APR, lower our payments, to do something to help us make headway. And none of them would do anything. I also told her how going through bankruptcy was very hard on me, because I've always paid my bills.
I must have been on the phone for 30-40 minutes or so, if not it sure felt like it. She put me on hold, came back on 2 or 3 times to tell me they were still reviewing, and finally came back and said, "Mrs. ________, we can only approve you for a limit of $500." It seemed like a million to me.
Fantastic Bella! Thanks for sharing.
Surely your experience can help the OP, myself And others to use recon as another option should the need arise.
I'd be happy with $500 also. It'll give me a chance to prove my worthiness.
Congrats, and thanks again for sharing!
@Anonymous wrote:
@grillandwinemaster wrote:
@Anonymous wrote:
@grillandwinemaster wrote:Oh, BTW, I've heard anecdotal evidence that Chase Amazon has the losest underwriting standards of the Chase cards.
I applied, and I'm currently waiting on a 30 day notice. Maybe I'll finally get My "IN" with Chase.
Best credit wishes to you!
+1 If they approved my recon for Chase Amazon, they must have loose underwriting standards. Either that or my powers of persuasion were elevated that day.
Hey Bella!
Ok, you must share your Amazon recon story. I can use some pointers in case I need to recon. I would love getting my "in" sooner rather than later.
Sure, grill!
Nov '15 BK discharged
Chase IIB for approximately $9000
2/15/17Apped Chase Amazon
30-day review, then received denial letter 6 days later
Next morning called Chase to recon
Got a very nice rep on the phone. She asked me basic questions about my income length of employment with current employer which was almost 13 years. About my husband's employment too. Then the heavy stuff, she asked me to describe the events leading to my BK. I was honest. we did carry high balances, but always, always, always paid on-time, never missing a payment and then I went into all of our personal details which for every person who's gone through BK or has other baddies will be different. But I just told her the truth. I will tell you this, that I told her how I called our creditors, including Chase, and asked for them for help, asked them to lower our APR, lower our payments, to do something to help us make headway. And none of them would do anything. I also told her how going through bankruptcy was very hard on me, because I've always paid my bills.
I must have been on the phone for 30-40 minutes or so, if not it sure felt like it. She put me on hold, came back on 2 or 3 times to tell me they were still reviewing, and finally came back and said, "Mrs. ________, we can only approve you for a limit of $500." It seemed like a million to me.
Thank you for sharing this is great!!! Congrats!
Bella007 appreciate your sharing the real world and how it can affect us. You have done well and can feel good that you worked hard to return to the world of credit 
@grillandwinemaster wrote:Fantastic Bella! Thanks for sharing.
Surely your experience can help the OP, myself And others to use recon as another option should the need arise.
I'd be happy with $500 also. It'll give me a chance to prove my worthiness.
Congrats, and thanks again for sharing!
Thanks, grill! Forgot to include that I did tell her all I wanted was a chance to re-establish a relationship with Chase.
@jroche91 wrote:Thank you for sharing this is great!!! Congrats!
I hope it helps, jroche! I just wanted to let everyone know it is possible to get in with them. I've seen others on here who have done it too. Good luck!
@Anonymous wrote:
Bella007 appreciate your sharing the real world and how it can affect us. You have done well and can feel good that you worked hard to return to the world of credit
Thanks, Dino, I appreciate your kind words. It is still really hard for me to share, especially the amount. I'm just grateful to be where I'm at now. In a way, BK was a good thing, it taught me a lot of lessons about how I was, and how I need to be.