Reply
Super Contributor
enharu
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).
Established Contributor
masscredit
Posts: 817
Registered: ‎07-17-2012
0

Re: Cards That Blacklist

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


|****$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


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
Goal Score: 800 In garden until 1/2015
Community Leader
Super Contributor
ArmyVietVet
Posts: 5,442
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: 810
Goal Score: 850


Take the myFICO Fitness Challenge

Take the myFICO Fitness Challenge
Frequent Contributor
Networth
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
azguy13
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
CreditScholar
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
azguy13
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
CreditScholar
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
azguy13
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

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+
}