Credit card blacklists?!

Anonymous · ‎03-29-2015

Hello,

I searched the forums but could not get a solid answer about the issue of card issuers blacklisting.

I had a chase and citibank card that were charged off 2 years ago but I settled up with them, out of the 4 cards I PIF for 2 and 2 of them I settlemed for 30 percent of the debt owed.

Does anyone know if citibank and chase blacklist even if you settled with them, because when I try their preapproval links they cant seem to match me up with anything.

Thank you.

firetech593 · ‎03-29-2015

I can attest that Chase blacklists. The response to an app can be "negative history with Chase". I was able to get past this with EO help.

travisr0 · ‎03-29-2015

Chase is pretty strict, took me 10 years to get back in with them from burning them a little in 05, they hold a grudge.

Experian 756 // Equifax 764 // Transunion 759 // AAoA 5.7 years

Ups77 · ‎03-29-2015

They both blacklist. I've trie chase pre app but never get any offers. I also paid them in full. But I do have citi and other major cards. I'd definetly still wait if you burned them 2 years ago. I burned them about 10 years ago.

NRB525 · ‎03-29-2015

Boy, good thing I paid them down.

Balances January 2009 and now:

Citi $29,000 $ 3,500

Chase $45,800 $ 5,400

BofA $35,229 $10,500

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Shogun · ‎03-29-2015

I burned Chase, Discover, BOA. and HSBC... among others. But I paid all the charge offs in full. I got back in with all of them, well, except HSBC. They didn't have anything I wanted.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

Imperfectfuture · ‎03-29-2015

@Shogun wrote:
I burned Chase, Discover, BOA. and HSBC... among others. But I paid all the charge offs in full. I got back in with all of them, well, except HSBC. They didn't have anything I wanted.

I burned HSBC, but not the entire limit. Only 150 was left when they went poof to portfolio, (didn't know cap one was purchasing them). Portfolio didn't even want money for the card, saying they couldn't collect, it was part of bankruptcy? Don't think I would declare bankruptcy over 150, while leaving 15k on the books. It fell away peacefully.

Signature needs updating

ddemari · ‎03-30-2015

I burned Citi in 2003, they are the only ones that will not let me back in. Although, I feel that I am not blacklisted because they did a double pull on my Double Cash application they rejected a few months ago.