Have you been blacklisted by Chase?
Feb 26, 2013, 1:20 pm
#61
Join Date: Nov 2012
Location: HNL
Programs: AA Citi Visa and Amex, Citi AA Biz, SPG, Amex Green, Zync, Discover It (Starbucks Gold) HHonors Gold
Posts: 268
It would be nice to get the PRC or Slate or CSP. I guess I'll try again when I'm 60
another 25 years. 
Feb 26, 2013, 1:22 pm
#62
Join Date: Nov 2012
Location: HNL
Programs: AA Citi Visa and Amex, Citi AA Biz, SPG, Amex Green, Zync, Discover It (Starbucks Gold) HHonors Gold
Posts: 268
This was answered in another post, but its when they declare that they would likely not get paid ever again for a balance. I've had checking accounts, but have never applied for any credit card when I had an active checking account.
Feb 28, 2013, 2:43 pm
#64
Join Date: Sep 2011
Location: IAH
Posts: 362
May 8, 2013, 2:35 pm
#65
Join Date: Nov 2008
Programs: SPG Gold, Hilton Diamon, IHG Spire
Posts: 374
I was banned from Chase back about 7 years ago. At the time, I was young and crazy. Had between 5 and 10 cards open (United, Amazon, Continental, etc.) at the same time. Was only churning, and was paying everything on time. Chase closed all the accounts at once, and never explained anything.
Every year or so, I applied for a card just to see, but always received a denial with "previous unsatisfactory relationship with the bank".
Two years ago, I filed a complaint with one of the agencies. I was contacted by Chase Executive. After two calls, the lady still would not tell me what the problem was (other than churning, I know...). Her last words were "you're free to apply in the future" but that I should not hope much.
So be careful not to mess up with Chase!
Otherwise, never had a problem opening checking accounts with them.
Every year or so, I applied for a card just to see, but always received a denial with "previous unsatisfactory relationship with the bank".
Two years ago, I filed a complaint with one of the agencies. I was contacted by Chase Executive. After two calls, the lady still would not tell me what the problem was (other than churning, I know...). Her last words were "you're free to apply in the future" but that I should not hope much.
So be careful not to mess up with Chase!
Otherwise, never had a problem opening checking accounts with them.
May 12, 2013, 2:49 pm
#67
Join Date: Jun 2011
Posts: 18
hmm sounds familiar
My credit has since recovered, I was in my early 20's. And have received credit from many companies, Amex, Wells Fargo, Citi, GE etc...however Chase has sold the debt, so I'm not sure why they are still holding a grudge. Besides the 'state of limitation' on a old collection account has since expired....
It would be nice to get the PRC or Slate or CSP. I guess I'll try again when I'm 60 another 25 years.
It would be nice to get the PRC or Slate or CSP. I guess I'll try again when I'm 60
another 25 years. The great irony is I currently have an active Chase Slate card that I pay off in full every month. It must be because Chase bought out the bank that issued my former card.
Nov 3, 2013, 3:32 pm
#68
Join Date: Mar 2000
Posts: 5,651
Ever recived from Chase reason: "previous unsatisfasctory relationship"
Where person had perfect pay as due record with Chase and every other creditor and has current FICO of 776 and for the last several years always over 735. Prior Chase cards were all paid off on time and closed by customer. Current credit reports flat out and clearly state : "all payment as due, never late." No prior hassle with Chase.
Last edited by best; Dec 4, 2013 at 9:04 pm
Nov 3, 2013, 3:52 pm
#70
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
Where person had pefect pay as due record with Chase and every other creditor and has current FICO of 776 and for the last several years always over 735. Prior Chase cards were all paid off on time and closed by customer. Current credit reports flat out and clearly state : "all payment as due, never late." No prior hassle with Chase.
If this is true, then there may be some mis-coded things in Chase internal system. Though mis-coding is more prevailing with Citi, and very rarely heard happened with Chase. AMEX has had some ID mixed up in the past and caused a lot of grievance among cardholders suffered inexplicable shutdowns only to find out months later that AMEX had mixed up people's IDs. How that could even happen was beyond anyone's understanding.
Did he binge on CGCs?
Nov 3, 2013, 4:01 pm
#71
In memoriam
Join Date: Jan 2006
Posts: 4,020
I know couple of folks who have gotten this unsatisfactory thing from Chase. It was not mfg spend that did it.
In each case it was related to their having not paid Chase many years ago--over ten years ago.
While a non-pay that old cannot legally be on your credit report turns out that the time limit on non-pay reporting does not apply to internal bank records. So, while a long ago issue with Chase is not reported to other banks Chase still knows about it and can ding you for it.
But, there are ways around this.
One is to go to Chase branch and open a checking account (assuming you are not on Chexsystems). The rep who helps you open the account will see on their screen a list of special, pre-approved offers for you. They may not be the best offers around, but, taking one and paying the card on time for a few months will go a long way towards making Chase happier with you.
In each case it was related to their having not paid Chase many years ago--over ten years ago.
While a non-pay that old cannot legally be on your credit report turns out that the time limit on non-pay reporting does not apply to internal bank records. So, while a long ago issue with Chase is not reported to other banks Chase still knows about it and can ding you for it.
But, there are ways around this.
One is to go to Chase branch and open a checking account (assuming you are not on Chexsystems). The rep who helps you open the account will see on their screen a list of special, pre-approved offers for you. They may not be the best offers around, but, taking one and paying the card on time for a few months will go a long way towards making Chase happier with you.
Nov 3, 2013, 4:10 pm
#72
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,762
I know couple of folks who have gotten this unsatisfactory thing from Chase. It was not mfg spend that did it.
In each case it was related to their having not paid Chase many years ago--over ten years ago.
While a non-pay that old cannot legally be on your credit report turns out that the time limit on non-pay reporting does not apply to internal bank records. So, while a long ago issue with Chase is not reported to other banks Chase still knows about it and can ding you for it.
But, there are ways around this.
One is to go to Chase branch and open a checking account (assuming you are not on Chexsystems). The rep who helps you open the account will see on their screen a list of special, pre-approved offers for you. They may not be the best offers around, but, taking one and paying the card on time for a few months will go a long way towards making Chase happier with you.
In each case it was related to their having not paid Chase many years ago--over ten years ago.
While a non-pay that old cannot legally be on your credit report turns out that the time limit on non-pay reporting does not apply to internal bank records. So, while a long ago issue with Chase is not reported to other banks Chase still knows about it and can ding you for it.
But, there are ways around this.
One is to go to Chase branch and open a checking account (assuming you are not on Chexsystems). The rep who helps you open the account will see on their screen a list of special, pre-approved offers for you. They may not be the best offers around, but, taking one and paying the card on time for a few months will go a long way towards making Chase happier with you.
Nov 3, 2013, 4:22 pm
#75
Join Date: Mar 2011
Programs: AA Platinum Pro, Hilton Diamond, Hyatt Exploralist, Marriot Silver
Posts: 2,065