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Blacklists...

Established Contributor

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? Smiley Happy


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
32 REPLIES
Mega Contributor

Re: Blacklists...

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



EQ FICO 548 3/3/16
Valued Contributor

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: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Established Contributor

Re: Blacklists...

thankfully I have not burned any of them. Smiley Happy

 

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
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
Super Contributor

Re: Blacklists...

Should BofA be on the list?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor

Re: Blacklists...


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!!
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
Super Contributor

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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor

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: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Senior Contributor

Re: Blacklists...

CITI blacklisted me for their main CC.

 

But not with store cards they underwrite.

Established Contributor

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