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Old Sep 10, 2010 | 5:47 pm
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deant
 
Join Date: May 2003
Location: CA
Programs: AA Lifetime Gold, HHonors Diamond
Posts: 2,879
Originally Posted by musikdude
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!
She needs to go and talk to Chase. If they had to write off any debt then she is probably out of luck with them. Given today's environment, why would they want to extend credit to her?

Also, a $5K CL and a 700 score is not too healthy, especially if you don't have other significant CLs.
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