Reply
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Cards That Blacklist

Bank of America, chase, citi, American Express and Wells Fargo are known to maintain blacklists. Generally it's easier to get back in with Bank of America, as compared to citi / chase / Amex, but it's not that easy either.

The hardest few probably would be chase / citi / Amex. Then again, it all depends. Some people were able to get back in after 5-8 years, while some are still blacklisted even after 2-3 decades. I suspect it has to do with the amount you burned them for, the type of account, and the date.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,058
Registered: ‎07-17-2012
0

Re: Cards That Blacklist

Chase was $81k and I don't remenber AMEX. Was probably at least $40k.


|****$8000****|****$8000*****|****$6000*****|****$2500****|****$1600****|****$3000*****|*****$3000*****|****$2500*****|
EX - 684 (MyFICO 3/05/15) TU - 676 (MyFICO 3/05/15 ) EQ 04 - 711 (DCU -2/28/15) EQ 08 - 686 (MyFICO -3/05/15)
Valued Contributor
Posts: 2,967
Registered: ‎06-05-2013
0

Re: Cards That Blacklist


masscredit wrote:

Chase was $81k and I don't remenber AMEX. Was probably at least $40k.


Ugh, I doubt they will forget a hit like that anytime soon.


Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 730 6/27/14, Last App 1/3/15
Goal Score: 800 In garden until 4/2015
Super Contributor
Posts: 6,824
Registered: ‎10-03-2008
0

Re: Cards That Blacklist

BoA did the same thing to me. I was with MBNA America when the big BK came. They ate $57K and who do you think took them over? BoA. Yes,it has not been pretty.
Starting Score: 760
Current Score: EX 806 TU 814 EQ 818 FICO 08
Goal Score: 850

Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 275
Registered: ‎07-11-2013
0

Re: Cards That Blacklist

My girlfriend used to work for Chase in quiet a few departments starting at collections and ending as a credit analyst. From what she has told Chase will probably never forgive because of the amount you "burned" them on. but as always YMMV, good luck!

Chase Sapphire Preferred - American Express Blue Sky - Chase Freedom - BankAmericard Travel Rewards - Walmart - Macy's

Walmart TU 823 (Most Recent) EX 807 EQ 810
Community Leader
Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013
0

Re: Cards That Blacklist

I am curious myself about AMEX. I have heard by many that they blacklist, but my situation was a little different. I was AA'd and my account was closed. I paid the balance in full and they never lost a dime. I am hoping to get back in with them at a later date. 




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Cards That Blacklist


Networth wrote:

My girlfriend used to work for Chase in quiet a few departments starting at collections and ending as a credit analyst. From what she has told Chase will probably never forgive because of the amount you "burned" them on. but as always YMMV, good luck!


+1. If you burned them for that much, your chances of getting back with Chase and Amex are virtually none.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Community Leader
Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013
0

Re: Cards That Blacklist


CreditScholar wrote:

Networth wrote:

My girlfriend used to work for Chase in quiet a few departments starting at collections and ending as a credit analyst. From what she has told Chase will probably never forgive because of the amount you "burned" them on. but as always YMMV, good luck!


+1. If you burned them for that much, your chances of getting back with Chase and Amex are virtually none.


Agreed. I think at best you are looking at a low limit secured... at best. Come to think of it, I can't think of a Chase secured card...




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: Cards That Blacklist

[ Edited ]

azguy13 wrote:

CreditScholar wrote:

Networth wrote:

My girlfriend used to work for Chase in quiet a few departments starting at collections and ending as a credit analyst. From what she has told Chase will probably never forgive because of the amount you "burned" them on. but as always YMMV, good luck!


+1. If you burned them for that much, your chances of getting back with Chase and Amex are virtually none.


Agreed. I think at best you are looking at a low limit secured... at best. Come to think of it, I can't think of a Chase secured card...


I wouldn't even bother with either Chase or AMEX anymore, or at least not for a very very long time (decades). Your best bet is to focus on other lenders instead.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Community Leader
Valued Contributor
Posts: 5,381
Registered: ‎04-30-2013
0

Re: Cards That Blacklist


CreditScholar wrote:

azguy13 wrote:

CreditScholar wrote:

Networth wrote:

My girlfriend used to work for Chase in quiet a few departments starting at collections and ending as a credit analyst. From what she has told Chase will probably never forgive because of the amount you "burned" them on. but as always YMMV, good luck!


+1. If you burned them for that much, your chances of getting back with Chase and Amex are virtually none.


Agreed. I think at best you are looking at a low limit secured... at best. Come to think of it, I can't think of a Chase secured card...


I wouldn't even bother with either Chase or AMEX anymore, or at least not for a very very long time (decades). Your best bet is to focus on other lenders instead.


Im thinking a CU is the best way to go. They are more personal and you can build a good relationship with them




NFCU Flagship $25,000 I AMEX SPG $23,000 I Chase Sapphire Preferred $17,500 I Discover IT $12,000 I
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.

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.