Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,731
Registered: ‎07-17-2012
0

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. 

Cap 1 VentureCap 1 Venture OneCap 1 QuicksilverBarclay RewardsCap 1 QuicksilverApple RewardsMerrickLowesWalmartJC Penney
|**$15000**|***$12000***|****$10000**|***$10500***|***$9000****|****$4400***|****$1600***|***$17000***|***$15000***|***$10000**|
EQ08 - 722 | TU08 - 729 | EX08 - 722 | Finally broke $100,000!!! Smiley Happy
Frequent Contributor
Posts: 276
Registered: ‎09-04-2012
0

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.
Mega Contributor
Posts: 16,928
Registered: ‎08-08-2011
0

Re: Cards That Blacklist

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


Discover IT $16.5k / US Bank Ace (VSig) $10K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $9.5k / Walmart Mastercard $8k / PayPal SmartConnect $5.1k
CareCredit $5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $3.95k / Citi DC (WMC) $4.3k
Gardening Date 5/8/15 / MyFico 08: EQ 729 / TU 724 / EX 750 / 7/12/15
Valued Contributor
Posts: 1,731
Registered: ‎07-17-2012
0

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.

 

Cap 1 VentureCap 1 Venture OneCap 1 QuicksilverBarclay RewardsCap 1 QuicksilverApple RewardsMerrickLowesWalmartJC Penney
|**$15000**|***$12000***|****$10000**|***$10500***|***$9000****|****$4400***|****$1600***|***$17000***|***$15000***|***$10000**|
EQ08 - 722 | TU08 - 729 | EX08 - 722 | Finally broke $100,000!!! Smiley Happy
Senior Contributor
Posts: 5,346
Registered: ‎06-05-2013
0

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 730 6/27/14, Last App 3/5/16
Goal Score: 800 In garden until undecided
Frequent Contributor
Posts: 336
Registered: ‎07-31-2013
0

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. 


Oh BOY! *VISA, MC, AMEX, DISCOVERS* QS1(300); Apple Visa (700); Chase Freedom (800); Dillard's Amex (1000); TD (1000); Old Navy Visa (1300); Barclay's (2000); Chase Slate (2500); East West (3000); Ebates (5600); PayPal (6000); AMEX (5000); Discover IT (5500)
+Many store cards.
Frequent Contributor
Posts: 276
Registered: ‎09-04-2012
0

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.

Senior Contributor
Posts: 5,346
Registered: ‎06-05-2013
0

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 730 6/27/14, Last App 3/5/16
Goal Score: 800 In garden until undecided
Established Contributor
Posts: 904
Registered: ‎08-30-2013
0

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.

Valued Contributor
Posts: 1,731
Registered: ‎07-17-2012
0

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.

Cap 1 VentureCap 1 Venture OneCap 1 QuicksilverBarclay RewardsCap 1 QuicksilverApple RewardsMerrickLowesWalmartJC Penney
|**$15000**|***$12000***|****$10000**|***$10500***|***$9000****|****$4400***|****$1600***|***$17000***|***$15000***|***$10000**|
EQ08 - 722 | TU08 - 729 | EX08 - 722 | Finally broke $100,000!!! Smiley Happy

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.