I defaulted on a Chase Credit card almost ten years ago. About a year after my default I settled my balance at a discount to avoid a judgment. I have since improved my credit score and I have been able to obtain a few other credit cards.

I recently was approved for an Amex Platinum card automatically online. I have also been automatically approved for a Barclay Advantage Card as well as a Citi Advantage over the past few years all automatically. When I applied for this chase card I received a message that the application was under review and that they would get back to me with a decision. Does Chase keep a blacklist when you have previously defaulted? I have 720, 740 and 770 fico scores from my most recent credit report and don't carry a balance on any other cards.