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Does Chase Checking help with odds of Chase CC?

kittycreditmeow
Frequent Contributor

Does Chase Checking help with odds of Chase CC?

I'm not sure if this is the right place to post this topic but I'm just curious if opening a Chase checking account has any positive impact on eventually getting a credit card through Chase? Like let's say I open a checking account through Chase and I maintain a good relationship with them for a year or two, would this help my odds of getting a CC through them. 

I think I may be on there crap list because of a bankruptcy, I didn't burn them for much, less than $2,000 but I know they aren't very forgiving. So I thought maybe I'd attempt to open a checking account and go that route if it would help restablish a relationship with them. 

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Jnbmom
Community Leader
Senior Contributor

Re: Does Chase Checking help with odds of Chase CC?

@kittycreditmeow 

 

When was your BK? Chase has a LONG memory and I don't think the amount matters too much.

 

Although I  don't think getting a checking account will improve your odds , but your BK date is the real gauge to use.

EXP 758 TU 783 EQ 729
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kittycreditmeow
Frequent Contributor

Re: Does Chase Checking help with odds of Chase CC?

BK Ch 7 discharged Nov 1 2019. I know I don't qualify for a CC with them right now, I don't even dare to try. 

Credit Cards, Loans & Store Cards





Bank and Credit Union Memberships


Available Credit - $10,600
Util: 16%. Inquiries: TU: 43 EX: 31 EQ: 22
Gardening Until: March 28, 2023
AaOA: 1 Year & 6 Months

Fico 8 Scores Current as of March 2021

Fico 8 Scores Post BK

Bankruptcy Discharged: November 1, 2019
Message 3 of 6
Ficoproblems247
Valued Contributor

Re: Does Chase Checking help with odds of Chase CC?


@kittycreditmeow wrote:

BK Ch 7 discharged Nov 1 2019. I know I don't qualify for a CC with them right now, I don't even dare to try. 


Chase generally won't approve until your BK is completely off of your reports. A lot of people that burned them can't even get back in well after that even. 


FICO 8 May '21: EX 751 EQ 746 TU 743
"Friends don't let friends earn 1% cash back."
Message 4 of 6
coldfusion
Community Leader
Super Contributor

Re: Does Chase Checking help with odds of Chase CC?


@kittycreditmeow wrote:

BK Ch 7 discharged Nov 1 2019. I know I don't qualify for a CC with them right now, I don't even dare to try. 


They wouldn't touch you under any circumstances as long as you had a BK reporting even if they weren't IIB.

It would not surprise me if it took another 10+ years before they would seriously consider extending you unsecured credit.

 

I would not trust a positive outcome of a prequalification as the prequal checks do not rigorously account for BK status.



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Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 5 of 6
iced
Valued Contributor

Re: Does Chase Checking help with odds of Chase CC?


Will a checking account help? Almost certainly no.

 

Will a past BK hurt you? Yes, but it's not forever. I burned them in a BK around 20 years ago, but we've been BFFs for about 7 years now. I didn't try before then (had a 'no cards' period for 8-10 years where I walked away from credit altogether), but it's possible I could have gotten in the day after the BK fell off my report, maybe sooner.

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