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Chase blacklist

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claus
Valued Member

Chase blacklist

Hello,

 

I know this topic has been discussed before but everyone's situation is different and I just want to get your opinions.

 

Basically my chase checking account was closed almost a decade ago for reasons unknown to me. I didn't do anything nefarious. One day they just mailed me a check of the remaining balance. I also paid off my cc balance.

 

My motivation now is apply for chase cc. Do I have any chance even if my credit score is high enough? Or is it irrelevant once you are put on blacklist. I have read conflicting stories how some people burnt chase but still managed to get back to their good grace years later if their credit score was high enough.  Should I go into their branch office and beg to open a checking account?  

 

If I have no chance, I will just forget the 5/24 rule and apply for other cc's. 

 

Thank you.

 

ps. I actually had chase sapphire back then. I didnt know it was going to be such a coveted cc so many years later. Obviously, I wouldnt have known about amazon visa card either. Back then, it was unthinkable that a credit card would give you 10% discount on anything. 

Message 1 of 6
5 REPLIES 5
Horseshoez
Senior Contributor

Re: Chase blacklist


@claus wrote:

Hello,

 

I know this topic has been discussed before but everyone's situation is different and I just want to get your opinions.

 

Basically my chase checking account was closed almost a decade ago for reasons unknown to me. I didn't do anything nefarious. One day they just mailed me a check of the remaining balance. I also paid off my cc balance.

 

My motivation now is apply for chase cc. Do I have any chance even if my credit score is high enough? Or is it irrelevant once you are put on blacklist. I have read conflicting stories how some people burnt chase but still managed to get back to their good grace years later if their credit score was high enough.  Should I go into their branch office and beg to open a checking account?  

 

If I have no chance, I will just forget the 5/24 rule and apply for other cc's. 

 

Thank you.

 

ps. I actually had chase sapphire back then. I didnt know it was going to be such a coveted cc so many years later. Obviously, I wouldnt have known about amazon visa card either. Back then, it was unthinkable that a credit card would give you 10% discount on anything. 


I'm one of the ones Chase let back in; I burned them for north of $10,000 in my 2015 Chapter 13 and since my discharge I'd taken a peek at the Chase preapproval page and always gotten zip.  This last December I opened up checking and savings accounts and while the associate was stepping through the various sign-up screens (way more than I've ever seen before), she asked me if I wanted a credit card as well.  I said, sure, how about a CSP, and the next thing I knew I was approved for an starting limit of $11,700.  At the time my credit scores were in the 770 range.

Chapter 13:

  • Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
  • Filed: 26-Feb-2015
  • MoC: 01-Mar-2015
  • 1st Payment (posted): 23-Mar-2015
  • Last Payment (posted): 07-Feb-2020
  • Discharged: 04-Mar-2020
  • Closed: 23-Jun-2020

 

I categorically refuse to do AZEO!

In the proverbial sock drawer:
Message 2 of 6
docbang
New Contributor

Re: Chase blacklist

OP, I need more info, you gave me cliffhangers.

- Checking account closed (Check)

- What is your "high enough" credit score?

- How did you get into the balcklist? Did they close your CC account too? You filed BK against Chase? Help us with more DP.

 

 

Message 3 of 6
805orbust
Valued Contributor

Re: Chase blacklist

I'd say if you didn't burn them with a cc you're good to go. I actually had them close a new business account on me back in 2017 and my largest approval is still with them. A case one hand not knowing what the other is doing.  



Message 4 of 6
805orbust
Valued Contributor

Re: Chase blacklist

If I were you I'd do what @Horseshoez did and check their prequal page... it'll give you an idea of what is what.



Message 5 of 6
JoeRockhead
Senior Contributor

Re: Chase blacklist

Their banking side has no affect on their credit card side. Unless you burned them on a CC and meet their other criteria, you should be good to go. As suggested check out their prequal.

Message 6 of 6
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