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Chase Southwest Reconsideration chances after bakruptcy
I currently travel a lot and I am considering applying for a southwest Chase card. I am sure I will get denied right off the bat, due to a bankruptcy that is still on my report. It has been about 4 years since it was discharged. Since then, I have gotten 2 secured cards, and recently a capital one quicksilver that I have made all payments on time. The bankruptcy is due to a divorce where it was my only option in protecting myself from the chances of my ex husband allowing the house to go into foreclosure (He could not remove my name from the mortgage cause he could not refinance it in his name alone). If I call the reconsideration line and explain the circumstances to them, do they usually extend credit to people with bankruptcies still showing? The only thing included with my mortgage was a victorias secret card (which had no balance) and a capital one card. I was told I had to include them or I would've kept them open. There are also a few collections that are still showing as well, that were due to utilities not being paid by my ex husband. They have all been paid, just have not fallen off yet. My experian credit score is currently in the 640's range, and my monthly Debt to income ratio is right around 30%. Should I take the chances and have a possible inquiry with a denial? Main reason I want this card is due to my job I travel a lot, and I am trying to utilize the rewards the best way possible. Any advice would be much appreciated. Thank you

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