@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.
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.
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.
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.
