Does Chase offer...

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Jdb3388
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Does Chase offer...

Postby Jdb3388 » Mon Mar 21, 2016 8:44 pm

After several very bad years of financial issues I have finally gotten to the point where I am paying back the creditors I owe and trying to repair burned bridges and rebuild my credit. I am taking a deal from Amex to pay off what I owe and in exchange they are giving me an Optima card. That got me thinking, one of the other banks I owe is Chase. I had a Chase Freedom card and when I lost my job I couldn't pay them. Does Chase offer anything similar? I'd be willing to pay them the full amount owed, rather than a settled amount, like Amex, provided they would give me another account. Has anyone heard of an offer like this?


Tubpbs
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Re: Does Chase offer...

Postby Tubpbs » Mon Mar 21, 2016 9:26 pm

Just with Amex.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

Jdb3388
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Re: Does Chase offer...

Postby Jdb3388 » Tue Mar 22, 2016 2:32 pm

So does Chase blacklist for people they have charged off in the past? say 7 years down the road all of this falls off my bureau, will they pick me up again, provided I have a good enough score to meet their criteria or while I be forever blacklisted?

Tubpbs
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Re: Does Chase offer...

Postby Tubpbs » Tue Mar 22, 2016 6:58 pm

Jdb3388 wrote:So does Chase blacklist for people they have charged off in the past? say 7 years down the road all of this falls off my bureau, will they pick me up again, provided I have a good enough score to meet their criteria or while I be forever blacklisted?


I have no personal experience, but I've heard people say it goes both ways.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: Does Chase offer...

Postby CarefulBuilder14 » Tue Mar 22, 2016 7:13 pm

For how much did you burn Chase? More money often means a longer wait.

Chase seems to (usually, eventually) give customers who default another chance.

They definitely consult their own internal records, and don't just look at a credit report from EX/EQ/TU. Many people report that Chase has cited bad history (with Chase and the banks they have acquired/merged with, including things that have aged off of EX/EQ/TU) as a reason for rejecting apps.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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