- Gold Member
- Posts: 48
- Joined: Sun Feb 09, 2014 10:27 pm
- Location: USA, Minnesota
I had a Chase charge off back in January of 2012. I called the collection company and paid the arranged amount.
I really want to get the Marriott black credit card. I applied for it and was denied because of my past experience with Chase. In all honesty, I forgot my charge off was with Chase otherwise I wouldn't have applied.
I called the reconsideration line twice and they both said they can't approve me because of the previous account with Chase. HOWEVER, I do have a Chase auto loan that was approved in June 2013. So I'm hoping by continuing to pay this on time and I pay about an extra $85/month, this will help recover my image with Chase. The 2nd lady I spoke to also said that because the the Marriott card is a Premium card with a minimum opening credit of $5k, that I didn't really have any cards with this high of a credit limit to justify giving it to me. (Understandable).
Well now that I have a Capital One with $5k limit, Amex with $2k limit and Barclaycard with $1,200 limit... what are my chances of getting a Chase card in say about a year? Funny that they approved me for an auto loan, but not a credit card.
I'm thinking in 1 year the Amex should have a limit of $5k and the Capital One is already at $5k.... I can call back and say "see, I do have other cards with that high of a credit limit." I just don't know how forgiving Chase is once you've had a charge off. When I called the reconsideration line, the lady said she can see that since the charge off my credit has been squeaky clean and I've been doing a good job.
Anyone else have similar experience with Chase?
One last question. Now that all 3 cards are opened, what is the standard time that these cards won't be considered new? I think the term is called "gardening?" LOL that is the funniest term to me.