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@jmbfl wrote:....Speaking of blacklisting, I burned AMEX also a long time ago. Just for grins a tried for a pre-approval on the web and was of course declined. Since then I have gotten a call from them concerning an "important personal matter". Blacklist with a vendetta, eh? Way past the SOL on this one so I think I will let sleeping dogs lie!
@jmbfl wrote:
They could contact me in writing. I'm not one much for talking to collectors over the phone. At least it would be inside collectors and not a CA. The next time I speak to a CA on the telephone will be the first!HTSU-You just move a thread while I was answering it. Grrrr! No time to repost now.
@jmbfl wrote:
Damnit thrasher! Many people read these posts. I would not want anyone considering Citi Financial as a first resource for financing anything when there are far better alternative available. Go to a CU first. Only use a finance company in true desperation!
I am not sure anyone can give you a definitive answer about discover (either the cc or the other product- or any cc for that matter). I know for some ccs (let’s say amex and discover for hypothetical purposes), I have read on various cc boards that the cos. blacklist for forever…for ALL products regardless of whether the product is offered by say XYZ Financial Services or XYZ (co. of the same name w/o the 'financial' part in the title). I have also read that some people have gotten in w/these cos. again after X period of time (ranges from 5-15 yrs) w/o having to pay off their old debts. I have also read that people have gotten in for say 1 product (say loan), but NOT another (say cc) and the reason they were denied for a given product was BECAUSE they burned the co. on that product. I have also read that some people have gotten preapprovals from certain cos. (again, let’s say amex and discover for hypothetical purposes), applied, and then gotten rejected BECAUSE of their old chargeoffs, regardless of whether it was on/off their report, in/out of SOL, etc. I've also read a ton of other variations re these issues. In other words, as people so often say, YMMV and I just don’t think it’s possible for anyone outside of the co. to give you a definite answer re something like blacklisting.
Given the conflicting responses, I’ve found the best thing to do (imo only) is to search the various boards (and do a google search for more results), try to see if anyone’s had experience w/a given product and/or if there’s a ‘pattern’, and if in doubt, call the co. BEFORE applying (sometimes they’ll give you a definite answer; other times they’ll say ‘idk’), or, if you’re feeling bold, hit the app button and see what happens. I did that w/amex (which is why I mentioned it as perhaps discover is the same or @ least similar…e.g., sends you a preapproval but in reality, you’re STILL on their blacklist) and woops, they denied me BECAUSE of a past CO. from what I’ve read on various boards, discover (ALL parts of discover) is 1 of the most unforgiving cos. out there and in fact, they’re usually mentioned in the same breath as amex when it comes to the ‘blacklist’ issue. frankly, from what i've read, i don't feel overly optimistic about my chances of getting my foot in the door w/discover (CO cc from 10+ yrs ago) ever again, but perhaps things have changed and if they've sent you pre-approved offers, perhaps that means they are NOT doing some type of 'mind game'/ waitign to deny you b/c you're on their magic blacklist (if they even have 1).
The only thing people can definitively say is whether they have had experience w/discover financial/the same offer you got. In my case, no.
W/all of that said, GL if you decide to take them up on their offer and please post the results if you app so others can try to see if there’s some type of ‘pattern’ w/Discover blacklisting.
@creditreformer wrote:Idk if discover blacklists, but here is my amex experience-
Burned them 10+ yrs ago w/the green cc. SOL is long since past and the CO has been off my reports for 3-4 yrs now. @Anonymous off, not paid (unable to @ the time). @Periodically, they send me offers for their oasis program (it used to have another name)- of course they want me to give me a cc w/a CL *just* above the old charged off amount and of course they want me to pay the CO in full and of course the interest starts kicking in @ day 1.
Fast forward to about a yr ago. Bam, preapproval in the mail from amex for the green cc. NO mention of Oasis/old baddies, so I thought ‘hmmm, it HAS been 10+ yrs, maybe Amex DOES forgive?’ So I apply and bam, DENIED. Only reason stated for denial- ‘you burned us in the past’ 10+ yrs is a mighty long time ago, but I guess Amex doesn’t forgive or even forget. However, I DID read on another board that someone DID get approved for an amex (w/o having to pay the CO), but their CO was 15+ yrs ago. So another 4-5+ years and amex *may* love me?
As for discover, I burned them about 10+ yrs ago also. Haven’t gotten up the nerve to app and needless to say, no preapprovals LOL