Hello everyone, I recently applied for Chase's Slate card since I sometimes carry a balance on a card. I received the 10 review response and called in when I got my letter for a reconsideration.
The rep stated that since my report showed a bankruptcy (discharged Jan '08) they would not be able to approve me. I explained the situation and asked her to check if I had ever been late on something since (3 car loans and 4 CC since the BK). She said no and that I would be free to apply at a later date.
She seemed a little annoyed when I asked her what would change later. lol I asked for my credit score, she said it was 737 on Ex (since confirmed on the denial letter). I asked if my 4 year history banking with chase (moved to chase after BK, they gladly took my money then) had any bearing on the decision she said "no".
I informed her that I did not want to deal with a bank that did not want to deal with me so I would be closing all my accounts with them, she said "fine" I bleep you not!
When I arrived at the branch to close the accounts the manager there said they would try and perform an override based on my history with the bank, income ($130k) and my credit score only to be denied again.
Is this something that could come back to haunt me?
I have since opened an account at Allied CU and Penfed (for their rates, certainly not for their friendliness to the BK crowd). Am I the only one that's fed up with banks gladly accepting of taking money (deposits and government bail outs) then completely unwilling to do business with someone who has a better track record than them(3 billion dollar loss)?Getting unsecured credit cards after bankruptcy
(try that advice)