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Posts: 13,897
Registered: ‎04-15-2011

Re: Blacklists...

Had COs with Citi, Discover and Chase x2 and GECRB x 2.  I paid all I owed after the charge offs 2 years ago.  I now have a Walmart and Lowes CC through GECRB I got back in September and November respectively , a Citi Diamond Preferred that I got in December and a DiscoverIT that I just got this month.  So I guess maybe if you pay them back, they will let you in.  I don't know.  I haven't applied for a Chase account yet.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Regular Contributor
Posts: 177
Registered: ‎06-03-2009

Re: Blacklists...

+1 "So I guess maybe if you pay them back, they will let you in"...


NFCU - and USAA will let you back in 'IF' you pay them back what you owe.  (personal experience)

I’ve found that I can "charge" WHATEVER I want…. Just not all at THE SAME TIME!*Last CC App 07/2010*
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: Blacklists...

If you burned Citi on a store card does that likely mean they wont let you get one of their main cards years later (10+) ?

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010

Re: Blacklists...

I discharged a GECRB Mens Wearhouse card in BK7 in 2009.  Applied for Walmart and was given a Walmart Discover, with one CLI so far.  I haven't reapplied for Men's Wearhouse...  So I'm not sure how strictly GECRB blacklists.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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Established Contributor
Posts: 955
Registered: ‎02-02-2013

Re: Blacklists...

[ Edited ]

Updated.  I will try to check on it once a day and keep it updated if folks add more cards to the list.


EDITED AND UPDATED 2-19-2013 11:38amPST


Amex - yup

Discover -yup

Chase- yup

Citi - yup but might not on store cards; might let back in if pay back old balance

GECRB - but might be forgiving

NFCU- yup but might let back in if pay off old balance.

BofA - Sounds like it.

Paypal MC - See GECRB

Capital One - Appears not to blacklist

USAA - yup but might let back in if pay off old balance.


Anyone know about:


any others...

NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Established Member
Posts: 43
Registered: ‎06-01-2011

Re: Blacklists...

[ Edited ]

BOA declined me for a Secured Card after a charge off 4 years ago. I guess BOA should be on top of the List.

New Contributor
Posts: 95
Registered: ‎01-03-2011

Re: Blacklists...

Citi - 


I took them down in college, for about $1,700 - my first credit card - and first (of a very small handful) derogs ever on my report. The debt went to collections, and was paid in full about 4 months after going into collections. 


I now have  Citi Hilton Honors Reserve, Citi Exxon Mobil and Citi Shell cards. 

Established Contributor
Posts: 583
Registered: ‎01-31-2008

Re: Blacklists...

How would you ever know if you were blacklisted by a company?  I had a couple of cards charge off more than 10 years ago.  The debts have been paid and no evidence of any of those remain on CR today.  I never remember reading any of their letters saying I was "blacklisted". 

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
Established Member
Posts: 44
Registered: ‎05-31-2013

Re: Blacklists...

Not sure if it should go on there but it should also be noted that if you are active duty miltiary NFCU and USAA will go after you through your chain of command. This can have major career implications, not to mention that your commander can also mandate that part of your pay be automatically taken and given to the CC company.

Established Contributor
Posts: 670
Registered: ‎11-30-2012

Re: Blacklists...

Got back with Cap1 and GE after burning them.  GE with a WalMart, Cap1 with regular app process have 2 cards with Cap1 now.


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