A credit card issuer can do business with whomever it chooses. If you had Chase credit card debt discharged in bankruptcy, the company may decline to do business with you again. Nothing in the bankruptcy code requires creditors to transact business with debtors after a bankruptcy discharge.
The question becomes, what do you do about Chase's snub?
Your first option is to apply for a credit card at another bank. The bankruptcy is long removed from your credit report, and with your lofty credit score and adequate income you can be sure a dozen credit card issuers would welcome you with open arms.
Your second option is to tally the amount of fees you paid to Chase each year for the last 10 years, and make a list of your accounts and their balances, and send a letter to the president of the banking division of Chase and explain you are sorry about the bankruptcy and the account they had to write-off their books, but that you have been a loyal customer and would not it be a shame for you to take your business elsewhere because of the rejected credit card application, which you enclose. If Chase is smart it will issue you a card.
Your third option is to take your business elsewhere. I recommend a credit union. After you transfer the balances from your accounts, send a letter to the president of Chase's banking and credit card business units along with the tally of your accounts and fees that I mentioned above. Explain you have no hard feelings, had wonderful service from Chase's employees, regret the bankruptcy 10 years ago, and if Chase does not want your business you are taking your money to where it is welcomed.
I hope this information helps you Find. Learn & Save.
Best,
Bill
Somerset, KY | May 08, 2011
Tucson, AZ | June 27, 2011
Nashua, NH | July 15, 2011
July 17, 2011
If by discharge you mean charge-off or write-off, then the creditor has not forfeited the right to collect the debt. Click on the hyperlink I just mentioned to learn more.
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