@Anonymous wrote:
@App_Addict wrote:
@Anonymous wrote:It doesn't sound like you blacklisted these companies by choice..
Capital One is only forgiving to subprime borrowers because they know it is better to "sell a guy 5 cars over 15 years rather than rip him off on one, one time."
Nixon as noted I haven't even tried for Chase nor Citi because my scores are not high enough, so yes it is by choice because I just don't like the "attitude" that I see they have. Again, I may change my tune, but this is how I feel (by choice) and yes I get Capitol One is best for subprime but now I see what they are doing with Venture, etc. my hope is that I can continue to grow with them.
I see. I could have sworn you tried a Chase app recently and were denied because of your EQ file. Chase isn't necessarily "snobby" as much as they are selective. Selectivity is how they stay in business, Any of these companies; Really. Remember that people with 800 scores get CreditOne denials too.
Citi is an interesting lender for sure but I wouldn't go as far as to BL them. They just happen to be stringent -- And they have wonderful air mile bonuses to churn.
You have a heck of a memory there Nixon, I was talking about it but YOU talked me out of it! 
The other reason I didn't was reading all the things that people (that are similar with my situation) had to say, so that helped form my opinion.
First Premier and similarly predatory companies.
That's about it. Although I'd have to be very desperate to apply for anything with BoA. They left a sour taste in my mouth with their banking practices. Chase too, except I want an Ink for my business (rewards, milk ol' JP for every penny he'll give me. 
)
I have Chase on my BL for now but would be willing to reconsider sometime down the road...probably exactly how they feel about me!
When I hit financial difficulties in ~2009, I had credit cards with BofA, Citi and Chase, about $5k each. BofA and Citi submitted late notices & eventually CO, but otherwise left me alone. Chase, on the other hand, was as nasty as possible, sending a process server to my parents house and eventually filed a lawsuit and got a judgment - I was notified a few months ago that the judgment is now part of some robosigning, falsified information class action lawsuit.
Eventually, I found a good job, started tackling my debts and settled with all three lenders for basically the same amount. Chase just went out on a limb (possibly illegally) to make things as difficult as possible. I don't blame any of them for my financial difficulties, or if they want to BL me, but I'll probably send my business elsewhere in the future. If I get back in with Chase in the future, it will be to churn for some points. I doubt I'll ever want to carry their card as a primary choice in my wallet.
@App_Addict wrote:
@Anonymous wrote:
@App_Addict wrote:
@Anonymous wrote:It doesn't sound like you blacklisted these companies by choice..
Capital One is only forgiving to subprime borrowers because they know it is better to "sell a guy 5 cars over 15 years rather than rip him off on one, one time."
Nixon as noted I haven't even tried for Chase nor Citi because my scores are not high enough, so yes it is by choice because I just don't like the "attitude" that I see they have. Again, I may change my tune, but this is how I feel (by choice) and yes I get Capitol One is best for subprime but now I see what they are doing with Venture, etc. my hope is that I can continue to grow with them.
I see. I could have sworn you tried a Chase app recently and were denied because of your EQ file. Chase isn't necessarily "snobby" as much as they are selective. Selectivity is how they stay in business, Any of these companies; Really. Remember that people with 800 scores get CreditOne denials too.
Citi is an interesting lender for sure but I wouldn't go as far as to BL them. They just happen to be stringent -- And they have wonderful air mile bonuses to churn.
You have a heck of a memory there Nixon, I was talking about it but YOU talked me out of it!
There are people with similar scores to yours (EX, TU) that have gotten in with Chase with decent limits.
@Anonymous wrote:First Premier and similarly predatory companies.
That's about it. Although I'd have to be very desperate to apply for anything with BoA. They left a sour taste in my mouth with their banking practices. Chase too, except I want an Ink for my business (rewards, milk ol' JP for every penny he'll give me.
This.
@skigirl916 wrote:
@Anonymous wrote:It doesn't sound like you blacklisted these companies by choice..
Capital One is only forgiving to subprime borrowers because they know it is better to "sell a guy 5 cars over 15 years rather than rip him off on one, one time."
Right?!
A person in the low-600s shouldn't gripe about prime banks being unwilling to lend to them as non-prime borrowers, IMO.
"it's my post and I'll gripe if I want to, gripe if I want too!" AGAIN, I'm not "griping about "prime banks" unwilling to lend to us lowly 600ish folks, I'm saying I don't LIKE the perceived (MY PERCEPTION) attitudes of said companies.