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Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Blacklists...

Okay so here is a subject I have not seen much on yet:

 

Credit card companies which maintain blacklists.

 

Many of us here are/have rebulit their credit scores over years.  I believe many of us also have probably had collections from many of the major cards out there...so it begs the question that if we screwed up with a company, which companies have a documented history of keeping a blacklist and using it?

 

I know Amercian Express does.  It was one of the questions my wife had to answer when she added me as an AU "Has this person ever defaulted on an account with American Express?"  (I hadn't so I got approved as an AU)

 

How about:

Discover

Chase

Citi

GECRB

etc etc

 

anyone?

 

 

 

 

Buehler? :smileyhappy:


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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Blacklists...

All of your list is known to blacklist. GE however can be forgiving.



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Valued Contributor
starry1
Posts: 2,067
Registered: ‎11-29-2012

Re: Blacklists...

I hear Navy Federal is pretty vicious when done wrong, so add them to the list.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 6/2614 TU 624; EQ 635; EX 610
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Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Re: Blacklists...

[ Edited ]

thankfully I have not burned any of them. :smileyhappy:

 

I am just interested to see which do and which don't. 
It might help folks who are trying to rebuild as well so they don't waste an app on a company that won't let them back in.


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
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Senior Contributor
myjourney
Posts: 25,176
Registered: ‎02-07-2013

Re: Blacklists...

Should BofA be on the list?

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Re: Blacklists...

[ Edited ]

myjourney wrote:

Should BofA be on the list?


I am not sure.  Never dealt with BofA at all.

 

So thus far it looks like:

 

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:
Penfed

Barclay's

any others...

 

 


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
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Senior Contributor
myjourney
Posts: 25,176
Registered: ‎02-07-2013

Re: Blacklists...

I know they hounded me for $2 on a checking account a mistake on there part at that! Figure they're even worst on a CC

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it...6/6/14 Plat is all mine
Community Leader
Valued Contributor
starry1
Posts: 2,067
Registered: ‎11-29-2012

Re: Blacklists...

I've seen people saying they got back in with cap1 after burning them in a bk, so cap1 can't be on the list.


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 6/2614 TU 624; EQ 635; EX 610
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: Blacklists...

CITI blacklisted me for their main CC.

 

But not with store cards they underwrite.

Established Contributor
Pilotdude
Posts: 955
Registered: ‎02-02-2013

Re: Blacklists...

updated the list.

 

Will continue to update as peeps post their experiences etc.


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

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