last week, i applied for a chase visa card. it was declined due to a BK from 2003. I called the recon number that i learned from myfico forums(thanks for the backdoor numbers guys) and the guy asked me a few questions and said since it was discharged in 2005, i have had flawless credit since then. he decided to approve me for the card!!! I only got 1000k CL but its ok, i am sure it will get better in time. also, to put icing on the cake, when i got my card yesterday, when i called to activate it, the lady csr gave me 20 free disney rewards points as a courtesy!!! now i have had my card for 1 day and already have 20 Disney Rewards Points.
Chase, your my new best friend(along with Target Visa and Sears MC hehe)
I just got a mortgage through them and was applying for 2 credit cards before I went on the concorduser center...
I got my first, a Juniper barklay's
my second I went with people that gave me credit...chase gave me a 30 day notice...I bet it's a decline...I hope they listen to me during recon because I sure need to dump/garden First Premier. I have two cards with them, but I need 1 more decent card to open before I start messing with my older accounts.
if take a promotion like no interest on a Disney Vacation package for 6 months when place you Disney rewards visa. They apply payment firsts to all non DIsney promotional balances.
if charge a $1000 Disney vacation, then place additional $100 in purchases, Then send a $200 payment IF these are the only balances on the account, Then the first $100 would go to the other purchases then $100 to the vacation
if had this card, I call to to ask if I could maintain grace period for purchases by paying all of the non promotional purchases in full each month, I bet not, but you would only pay for that month if you send a payment large enough to cover the new purchases
Message Edited by rbbyrbsn on 06-02-200807:58 AM
People say "Only apply for credit you NEED"
I say "apply for credit you have PRATICAL use of"
I don't have AMEX card because I don't want a card that suffers from PMS
I too got approval after a recon last week for the Chase Plat. Visa with a $1000 cl.
You are all great. There is no way I would have gotten it without all of your comments and help.
I had a recent Ch13 BK discharged on 4-17-08 but had a few accounts since filing in 2003 and never late. They asked a few questions and bam!!! I was approved.
Thanks again to you all.... and congrats to those who didnt give up. :-)
Fico:EQ 689 (1/8/17) EX 692 (2/8/17) TU 692 (1/8/17 C1 Venture One $10,000 / C1 Quicksilver Visa Sig $10,000 / C1 Quicksilver WMC $10,000 / Penfed Plat Rewards Visa Sig $9,500 / Penfed Power Cash Rewards Visa Sig $10,000 / Logix FCU Plat MC $12,000 / SDCCU Plat Visa $2,500 / Barclays Rewards MC $1500 / Best Buy Visa $2000 / Chase Amazon Prime Visa Sig $500 / Consumers Credit Union Plat Visa $2500 / Sams Club Store Card $437 / JCPenney $1,800, Fort Knox CU Plat Visa $5,000 / Lowes $7,000 / HSN Card $3,000 / Walmart Card $2,000 / Macys $800 / Target Red Card $800
yeah, this card does have cool features. i already put about 50 dollars on it. also its cool in the fact it has 0% apr for 6 months for purchases or balance transfers. I havent bought any Disney stuff yet, but I will later. Hehe its also cool I live in So-Cal, 8 miles from Disneyland, so I can go directly there or use it at the Disney store in the mall. But man, it takes so long to earn points lol