Credit Card Center Advertiser Disclosure†
02-18-2013 11:55 PM
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.
02-19-2013 05:44 AM
+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)
02-19-2013 05:47 AM
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.
02-19-2013 11:41 AM - edited 02-19-2013 11:41 AM
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:
02-19-2013 03:06 PM
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.
06-05-2013 10:30 AM
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".
06-05-2013 11:02 AM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.