- Centurion Member
- Posts: 241
- Joined: Fri Jun 07, 2013 9:46 am
- Location: Broward County FL
Generally ALL banks do credit checks (ChexSystems is the usual reporting agency for checking accounts). Usually they only look for negative information, such as a history of negative balances, and most banks approve people with no checking history since that isn't really negative. However, as you have just recently come back to the United States, you will likely be denied based on the fact that the bank finds this risky (such as if you leave a negative balance and leaves the States).
You can try applying at a bank in person, which they consider less risky, or you can try living here longer...
Luckily the bad debt you have is likely written off by now, however Chase will have internal records of that transaction which will impede any chances of having an account with them in the future.
American Express: Blue Cash Everyday (10k), Everyday, Plenti ; Discover It (7.3k) ; Target (1.6k)
Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates