Reply
Established Contributor
masscredit
Posts: 817
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. 


|****$8000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$1350******|*****$700*****|
EX - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 696 (DCU -10/31/14) EQ 08 - 668 (MyFico -11/20/14)
Regular Contributor
Guyatthebeach
Posts: 214
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.
Community Leader
Mega Contributor
coldnmn
Posts: 15,128
Registered: ‎08-08-2011
0

Re: Cards That Blacklist

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

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Established Contributor
masscredit
Posts: 817
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.

 


|****$8000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$1350******|*****$700*****|
EX - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 696 (DCU -10/31/14) EQ 08 - 668 (MyFico -11/20/14)
Valued Contributor
red259
Posts: 2,096
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
Goal Score: 800 In garden until 1/2015
Frequent Contributor
nursepower
Posts: 260
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.
Regular Contributor
Guyatthebeach
Posts: 214
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.

Valued Contributor
red259
Posts: 2,096
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
Goal Score: 800 In garden until 1/2015
Established Contributor
Credit-hoarder
Posts: 542
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.

Established Contributor
masscredit
Posts: 817
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.


|****$8000****|****$6000*****|****$4500*****|****$2500****|****$1600****|****$3000****|******$1350******|*****$700*****|
EX - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 696 (DCU -10/31/14) EQ 08 - 668 (MyFico -11/20/14)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}