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Cards That Blacklist

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masscredit
Valued Contributor

Cards That Blacklist

Is there a list of credit cards that blacklist? I'm going to be interested in AMEX and maybe Chase in the future but I had significant balances with them when I filed for Bk in '09.  I'd realy like to get another Skymiles card. I'm starting to get low on miles. 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 1 of 40
39 REPLIES 39
Guyatthebeach
Valued Contributor

Re: Cards That Blacklist

I know personally that American Express blacklists. I closed my AmEx years before my bankruptcy and was declined due to bankruptcy. From what I've read here, Chase and Citi are not bk friendly.
Message 2 of 40
coldnmn
Mega Contributor

Re: Cards That Blacklist

Both AMEX and Chase blacklist long after your bk is off your file.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 40
masscredit
Valued Contributor

Re: Cards That Blacklist

I guess there goes my chances of getting another Delta Sky Miles card.  I think I applied for a Citi card in the last year and was declined.

 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 4 of 40
red259
Super Contributor

Re: Cards That Blacklist


@Guyatthebeach wrote:
I know personally that American Express blacklists. I closed my AmEx years before my bankruptcy and was declined due to bankruptcy. From what I've read here, Chase and Citi are not bk friendly.

Were you declined after the BK came off your record? I can understand Amex declining for a recent bankruptcy or if they were burned by someone before, but if their card was closed out years before a bankruptcy occured and then reapplied for years after a bankruptcy I am not sure what their issue is. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 5 of 40
nursepower
Frequent Contributor

Re: Cards That Blacklist

Bank of America. I didn't screw them but a company they acquired years ago after my bancruptcy but they still won't give me a card. 

BK DC 10/18/18
Walmart $400 | Target $500 | Playstation Visa $750 | Petco MasterCard ? | Best Buy Visa $2000 | Cap 1Quicksilver $2500 | Ollo $2700 | Kohl's $3000 | Comenity $3200 | Dell $4000 | Skypoint FCU $5000
Last app 6/2/21
Message 6 of 40
Guyatthebeach
Valued Contributor

Re: Cards That Blacklist

My bankruptcy was discharged in February 2012. I closed my AmEx years before my filing. When I went to apply for a new AmEx, it was declined due to my bankruptcy. I even called in to recon and was shot down.

Message 7 of 40
red259
Super Contributor

Re: Cards That Blacklist


@Guyatthebeach wrote:

My bankruptcy was discharged in February 2012. I closed my AmEx years before my filing. When I went to apply for a new AmEx, it was declined due to my bankruptcy. I even called in to recon and was shot down.


Oh so its recent so you may be able to get back in with amex down the line once time has passed. 

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 8 of 40
Credit-hoarder
Valued Contributor

Re: Cards That Blacklist

I'm not doing any more app'ing until Feb 14' but I'd be curious personally to know if Capital One does. I had 3 seperate (3 diff. cards) public collections with them as late as 2009.All 3 have been paid off for quite some time.

BUSINESS
Rewards Pts.-Miles: UR-MR-TYP-Venture
Message 9 of 40
masscredit
Valued Contributor

Re: Cards That Blacklist


@Credit-hoarder wrote:

I'm not doing any more app'ing until Feb 14' but I'd be curious personally to know if Capital One does. I had 3 seperate (3 diff. cards) public collections with them as late as 2009.All 3 have been paid off for quite some time.


Nope. I had a couple of Cap1 cards that were part of my BK. Now I have $5k in credit with them. Had to start small with a secured card and work my way up.

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 10 of 40
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