Credit Cards

[dalebb]

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Creditaddict wrote:

Cap1 Blacklist? No no no!

Citibank, yes

Chase... Very much yes! They changed lending practices after credit crash... my friend had wamu become chase $8500 limit... he closed it and about 2 months later applied for Zappos and they said no, we do not offer any credit products to any past Chase delinquent or BK, he had a car financed with Chase that was in his BK... he asked about the Wamu/Chase $8500 and the rep said you shouldn't have closed it!

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cap1 does black list,,, i know this for a fact, as i have been,, i had a post b4 on here but it was removed cause i said some bad stuff and im sorry 4 that, i will behave meself and just tell u yes they do

[bichonmom]

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Creditaddict wrote:

Cap1 Blacklist? No no no!

Citibank, yes

Chase... Very much yes! They changed lending practices after credit crash... my friend had wamu become chase $8500 limit... he closed it and about 2 months later applied for Zappos and they said no, we do not offer any credit products to any past Chase delinquent or BK, he had a car financed with Chase that was in his BK... he asked about the Wamu/Chase $8500 and the rep said you shouldn't have closed it!

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I wonder if there is a timeframe, or if it's for the rest of your life. Like, after 20 years, would they still BL? Did not incl in a BK, but did have CO. 

[champ02]

I was just approved tonight for the Citi Simplicity Card with a $4,200 CL.  I included them in a bankruptcy back in 1996.  I know that is quite sometime ago but until tonight I assumed they would never give me another chance either.  They started sending mail solicitations beginning about 2 months ago and for the heck of it I decided to give it a try.

[bichonmom]

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champ02 wrote:

I was just approved tonight for the Citi Simplicity Card with a $4,200 CL.  I included them in a bankruptcy back in 1996.  I know that is quite sometime ago but until tonight I assumed they would never give me another chance either.  They started sending mail solicitations beginning about 2 months ago and for the heck of it I decided to give it a try.

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That's good to hear. Unfortunately, I opted out so I won't be getting any offers in the mail. I can't even get pre-approvals on those websites since I've opted out. It would be a good way of testing the waters, though. 

[MarineVietVet]

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bichonmom wrote:

 

That's good to hear. Unfortunately, I opted out so I won't be getting any offers in the mail. I can't even get pre-approvals on those websites since I've opted out. It would be a good way of testing the waters, though. 

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You can Opt Out and back in at the same site.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

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[bichonmom]

If I re-opt-in, can I opt-out again? I'd think the CRAs might frown upon that. Too bad it's not like a freeze that you can lift temporarily when you want.

[champ02]

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MarineVietVet wrote:

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bichonmom wrote:

 

That's good to hear. Unfortunately, I opted out so I won't be getting any offers in the mail. I can't even get pre-approvals on those websites since I've opted out. It would be a good way of testing the waters, though. 

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You can Opt Out and back in at the same site.

 MarineVietVet you are absolutely correct!  I too Opted Out after my BK back in the mid 90's and went back to the Opt-In website earlier this year (in the Spring) and now I have been getting frequent credit card and other credit solicitations in the mail. 

.

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[MarineVietVet]

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bichonmom wrote:

If I re-opt-in, can I opt-out again? I'd think the CRAs might frown upon that. Too bad it's not like a freeze that you can lift temporarily when you want.

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You can go back and forth as often as you want.

And I really don't think (Just my opinion) that the CRA's care one way or another.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[bichonmom]

Thanks! That's good to know.

[haulingthescoreup]

I don't know how helpful this is, and I genuinely don't remember even starting the thing, but you might try this:

2010 Blacklist Thread