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Cards That Blacklist

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. 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 1 of 40
39 REPLIES
Established 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
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 $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 40
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.

 

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 4 of 40
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 826 4/16/17, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 5 of 40
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. 


Last App 05/04/2016
Message 6 of 40
Established 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
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 826 4/16/17, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019
Message 8 of 40
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.

Message 9 of 40
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.

Cap 1 - $23,000 / Lowe’s - $17,000 / Barclay Rewards - $16,400. / Capital 1 - $15,000 / Walmart - $15,000
Cap 1 - $12,000 / PenFed - $10,000 / Penney - $10,000 / Barclay Apple Rewards - $4000 / Merrick - $2500


EQ - 740 / TU - 748 / EX - 748
Message 10 of 40