Trouble getting Chase Credit Card

[talmoore]

Hi all,

 

I have applied for a United Airlines Chase credit card four times in the past two years and have been denied each time. The denial letter has always been vague. Yesterday, I spent over an hour at a Chase branch investigating the situation. I gave the manager my social security number and, as it turns out, Chase has a record of a credit card I shared with my father about 18 years ago (my father had given it to me in my teens to help pay for gas for my car. I stopped using it after a few years but he kept using his copy).

 

Here's where it gets weird:

 

The branch manager showed me on his computer screen that there were two cards issued: one had my social attached to it, the other had both mine and my dad's social. Both cards were the same account but re-issued as a different cc number at a later date.

 

The branch manager said the screen showed both cards filed under "bankruptcy". I explained that I never filed for bankruptcy, but my father had. He called the bankruptcy dept at Chase to inquire.

 

The bankruptcy dept told him that, yes, there was a $1,000 balance on the card and was in collections (for 18 years!!!) but there seems to be a "fraud" association and advised the manager to call the fraud dept.

 

The branch manager called the fraud dept and was advised the following: the balance was not in collections. I do not owe anything. But there was still some sort of "fraud" associated with charges on that card.

 

I left the bank, scratching my head and feeling helpless.

 

So here's where I'm at: I really want to apply for a United Chase credit card but each time I do, my social security # activates this strange history on my record. How do I get this cleared up????

 

Please note that my credit report is impeccable. This activity from 19 years ago does not show on my report. It seems to only show on the Chase side somehow. I have never had any issues getting credit cards from other banks.

 

Thanks in advance for your help!

 

[CTSoxFan]

try calling the executive office. They have been very helpful to me in the past. 888-622-7547

 

You can also try applying for a card,and if it is declined, call the recon department. They may be able to approve without having to go the EO route. 888-245-0625

 

Good luck.

[cashnocredit]

^+1 good advice.

 

Banks have LONG and sometimes erratic memories.

[PhoenixDown]

I think you would want to call the EO anyway and explain the situation as you have to us simply because as you build your releationship with chase, you wouldn't want this issue to rearing its ugly head everytime you applied for a card or loan.

[talmoore]

Thanks all! great suggestions. I will call next week.

[dvd]

Hi all,

 

I have applied for a United Airlines Chase credit card four times in the past two years and have been denied each time. The denial letter has always been vague. Yesterday, I spent over an hour at a Chase branch investigating the situation. I gave the manager my social security number and, as it turns out, Chase has a record of a credit card I shared with my father about 18 years ago (my father had given it to me in my teens to help pay for gas for my car. I stopped using it after a few years but he kept using his copy).

 

Here's where it gets weird:

 

The branch manager showed me on his computer screen that there were two cards issued: one had my social attached to it, the other had both mine and my dad's social. Both cards were the same account but re-issued as a different cc number at a later date.

 

The branch manager said the screen showed both cards filed under "bankruptcy". I explained that I never filed for bankruptcy, but my father had. He called the bankruptcy dept at Chase to inquire.

 

The bankruptcy dept told him that, yes, there was a $1,000 balance on the card and was in collections (for 18 years!!!) but there seems to be a "fraud" association and advised the manager to call the fraud dept.

 

The branch manager called the fraud dept and was advised the following: the balance was not in collections. I do not owe anything. But there was still some sort of "fraud" associated with charges on that card.

 

I left the bank, scratching my head and feeling helpless.

 

So here's where I'm at: I really want to apply for a United Chase credit card but each time I do, my social security # activates this strange history on my record. How do I get this cleared up????

 

Please note that my credit report is impeccable. This activity from 19 years ago does not show on my report. It seems to only show on the Chase side somehow. I have never had any issues getting credit cards from other banks.

 

Thanks in advance for your help!

 

 

Want the Fraud Department able to get you more specific information?

 

I also agree with others that EO is a good route to go.