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.
+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 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.
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
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:
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.
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".
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.