@CreditScoreImprovement24, Chase has become much more forgiving over the last few years; I burned them for north of ten-grand back in 2015, and a few months shy of eight years later they approved me for a Sapphire Preferred with a limit of $11,700; like you I was stunned. Six months after that they sent me a preapproval email for a Freedom Unlimited; it was instantly approved with a starting limit of $23,600, and I was stunned again.
Lol, worst thing would be a hard inquiry on my report for nothing haha.
I am more mature now thankfully, never missed a payment since, and just in general am.
Though, yes I agree applying after drinking was not too smart, but hey the old liquid courage led to a positive result for once 
@CreditScoreImprovement24 wrote:So, like 2 seconds ago, I was approved for a Chase Freedom Unlimited (2K limit) which really stunned me as I thought Chase would never ever approve me for a card. I was kind of tipsy after drinking with friends and decided what the hell and somehow they approved me...insane.
I'll explain why it was so shocking...
So, like 6.5 years ago, in 2018...I was a college student and incredibly immature. I was approved for a chase freedom unlimited card (was my 3rd credit card as I had a secured card with discover and a capital one student card prior to the CFU appproval)....Anyway, long story short, I ended up missing 2 payments in a row so 30 days late then 60 days late and due to fees I ended up going over my credit limit.......Chase closed down my card immediately (I logged in and found my account closed by Chase). However, the account still showed that I needed to pay my balance. I paid it off in full the following month and then that was that, bridge with chase burned, but at least the account showed as paid in my credit report and stopped updating after 2018.
Hence, due to the above past very negative history with Chase and reading countless posts on the internet about how Chase never forgets and is the least forgiving lender blah blah etc etc, I believed I would never be able to hold a Chase credit card again. I also had numerous other delinquencies in 2018 with capital one and discover.....Last few years, I only had my Discover card limited to 1000 dollar limit but made all my payments on time the past few years. I had been in the rebuilding phase for awhile.
***My question is...did Chase maybe forget about what happened last time I had a CFU?? Were the records purged after 6 years?
No. They don't forget. And they don't purge the records.
***Was I just lucky with the Chase approval algorithm or did Chase decide to give me a 2nd chance or what?
I would say Chase decided to give you a 2nd chance.
***Any thoughts or similar experiences?
Congratulations.
***Note: I did have a Chase checking account opened 2 months prior to application with about 4K in it, but I have no clue if that helped.
From my experience with Chase they don't care about that, unless it's so much money that you're a 'private banking' client.
***If I removed the money/closed the checking account, would that affect my credit limit on my CFU?
No.
Any effect at all on my credit card account?
No.
Thanks
I concur!
@SouthJamaica wrote:
@CreditScoreImprovement24 wrote:So, like 2 seconds ago, I was approved for a Chase Freedom Unlimited (2K limit) which really stunned me as I thought Chase would never ever approve me for a card. I was kind of tipsy after drinking with friends and decided what the hell and somehow they approved me...insane.
I'll explain why it was so shocking...
So, like 6.5 years ago, in 2018...I was a college student and incredibly immature. I was approved for a chase freedom unlimited card (was my 3rd credit card as I had a secured card with discover and a capital one student card prior to the CFU appproval)....Anyway, long story short, I ended up missing 2 payments in a row so 30 days late then 60 days late and due to fees I ended up going over my credit limit.......Chase closed down my card immediately (I logged in and found my account closed by Chase). However, the account still showed that I needed to pay my balance. I paid it off in full the following month and then that was that, bridge with chase burned, but at least the account showed as paid in my credit report and stopped updating after 2018.
Hence, due to the above past very negative history with Chase and reading countless posts on the internet about how Chase never forgets and is the least forgiving lender blah blah etc etc, I believed I would never be able to hold a Chase credit card again. I also had numerous other delinquencies in 2018 with capital one and discover.....Last few years, I only had my Discover card limited to 1000 dollar limit but made all my payments on time the past few years. I had been in the rebuilding phase for awhile.
***My question is...did Chase maybe forget about what happened last time I had a CFU?? Were the records purged after 6 years?
No. They don't forget. And they don't purge the records.
***Was I just lucky with the Chase approval algorithm or did Chase decide to give me a 2nd chance or what?
I would say Chase decided to give you a 2nd chance.
***Any thoughts or similar experiences?
Congratulations.
***Note: I did have a Chase checking account opened 2 months prior to application with about 4K in it, but I have no clue if that helped.
From my experience with Chase they don't care about that, unless it's so much money that you're a 'private banking' client.
***If I removed the money/closed the checking account, would that affect my credit limit on my CFU?
No.
Any effect at all on my credit card account?
No.
Thanks
Starting Score: 789