My wife had credit trouble many years ago before we were married. Several C/O but she never did a BK and had no judgements, etc. Since it has been over 7 years, all of derogatory stuff seems to have fallen off her CR. Her credit score is over 700+ with all 3 bureaus. A few months ago she applied and got a new CITIBANK Card with a healthy CL of over 5k.

Last week she applied for a Chase card but was denied. The reason in the letter states "delinquency or other derogatory status on exisiting accounts with us'.

My question is, is she forever out of luck with Chase bank in regards to any CC with them in the future? Is she on a permanent black list?

Thanks!