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Cards That Blacklist

Valued Contributor

Re: Cards That Blacklist

There are plenty of other credit card brands out there so I won't lose any sleep over it.  Just a part of life. II'll look for another card that provides airline miles then swtich airlines after my Delta miles run out in a few years 

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 21 of 40
Valued Member

Re: Cards That Blacklist

In my case I know for a fact that Bank of America blacklists. I had a writeoff with them back in 2007, and til this date I can't open a Checkings/Savings/ or Credit Card with them.

 

They decline me on the spot, and ask me to call a certain number. When I did, guess what....it was the "Recovery Dept."  *hangs up*

 

Like other say, don't loos sleep over it. There are many other companies with better rewards, or similar.

Happy with my current lenders. Amex, Discover, Chase Smiley Happy

In the garden until June 2014
Message 22 of 40
Valued Contributor

Re: Cards That Blacklist

How about Discover?  And if the answer is yes, would that include Walmart Discover? 

 

I _think_ I had a Discover card when I filed for BK (it's been awhile and there was a lot included). 

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 23 of 40
Super Contributor

Re: Cards That Blacklist


masscredit wrote:

How about Discover?  And if the answer is yes, would that include Walmart Discover? 

 

I _think_ I had a Discover card when I filed for BK (it's been awhile and there was a lot included). 


Walmart Discover is backed by GE, not Discover themselves.

 

Discover do blacklist as well but compared to Chase / Citi / Amex, they're more forgiving. Then again, it really depends on how much you burned them for, and how much time has passed.

 

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).
Message 24 of 40
Valued Contributor

Re: Cards That Blacklist

I'd have to pull my paperwork from the BK but I'm thinking the balance was in the $15k range. 

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 25 of 40
Frequent Contributor

Re: Cards That Blacklist

Had both Cap1 and AMX in my BK7

Cap1 gave me card 2 months after and last year so about 8years into my BK got Amex.

 

I think my Cap1 was for 1500-2500 range and my Amex charge card was $650ish.

 

When I try to get CLI with Amex I told due to BK big fat NO.

Amex sky $2000, Amex BCE $8800 both stuck at initial limits.

 

Now that I think about it I also had Citi but never applied.

Lots of cards and counting !!
Las Vegas REALTOR
FICO 800ish Shooting for 800+
BCE 20K,ED 10K,Sky 2K, DCVR $6800, Slate 8K, Freedom 5k, Care Credit 10K, Lowes 10K, Cap1 QS $11500, Venture 15K, Paypal 5k Hidden, US Bank Edge Cash Business 20K and NFL $1500 soon to DIE.
Message 26 of 40
Senior Contributor

Re: Cards That Blacklist


DeadSpider wrote:

Had both Cap1 and AMX in my BK7

Cap1 gave me card 2 months after and last year so about 8years into my BK got Amex.

 

I think my Cap1 was for 1500-2500 range and my Amex charge card was $650ish.

 

When I try to get CLI with Amex I told due to BK big fat NO.

Amex sky $2000, Amex BCE $8800 both stuck at initial limits.

 

Now that I think about it I also had Citi but never applied.


I am not surprised that Cap1 let you back but am really surprised AMEX did. I am happy they did as well since people do deserve another chance. Maybe it is because it was a rather low amount during the BK7

Message 27 of 40
Valued Contributor

Re: Cards That Blacklist


masscredit wrote:

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. 


+3 on BoA/FIA. I had a Fleet Bank card that I went bad on in 2002 when I was a noob about credit. BoA acquired Fleet in 2004 or so. It's since been paid and off my CR and they wouldn't even let me get a secured card when I tried to apply back in 2009.

 

Never burned Chase or AMEX so no idea there really.

 

I had an C/O'd Sears MasterCard that Citi took over in 2004-2005. It was paid in 2005...when I tried to apply for a Citi Forward card last year, I was declined but nothing about previous derog obligations was mentioned in the decline letter. I'm really not sure....maybe once my CR gets really good I'll try to apply for Citi again. At that point I'll know for sure. I never had a Citi card from them directly, though so maybe it's different for the co-branded ones?

 

Capital One on the other hand: Had a c/o'd card, they even sued for me for it and I paid them at that point (this was 2004 or so). Fast forward to today I now have 3x the credit I had with them in the first place...lol.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 28 of 40
Valued Contributor

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.


I burned Chase for over $80K in my BK.  I have a United MileagePlus Club card now.  As always, YMMV.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 29 of 40
Moderator

Re: Cards That Blacklist

Citi denied me just last month for Dividend Card, their reason BK in 1996 for 18K with them. They have a long memory but it is YMMV, I have read about others getting in less than 10 yrs after burning them for even larger amounts.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 30 of 40