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Contributor
Posts: 78
Registered: ‎12-25-2007
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Re: Do Citi & Chase blacklist

[ Edited ]

I had Citi blacklist me for a Best Buy card I had at 18. Now at 27 they just approved me with their Simplicity card with a 12.9% interest rate and $11k starting limit (758, <5% utilization of over $60k). I know they blacklisted me because I was denied another Best Buy card about four years ago because of it. I had been told that it was a lifetime blacklist when I called in, apparently they are wanting to do business with me again. Not sure if it is due to time, score, income, utilization, or otherwise, but I am happy. With their 0% interest for 18 months I may be jumping on a new camper and paying it off in the 18 months of 0% LOL

Established Contributor
Posts: 999
Registered: ‎11-08-2011
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Re: Do Citi & Chase blacklist

We'll see... in a few years I'll go for both citi & chase, I BKed them both... Citi took it right on the chin for about $35K across 3 cards.  Chase was incidental, like arond $1K.

 

The bigger problem is that all of Chase's silly apps now ask if you have a BK reporting.  So I think they'd deny me anyway.

 

Also to whomever postd back in Nov about Cap1 blacklisting.  I will tell you that they most definitely do not.  I burned them for $4K in the same BK and they gave me a $750 CL Cash Rewards ($39af) 6mo after discharge.  Auto-Cli on 6th statement, now $1250.  Perhaps you're just not qualifying and you think you're blacklisted.  On the other hand I also got a Discover More $1K 11 mo after BK, which is supposed to be impossible, too.  Maybe I'm just special.  :smileyvery-happy:

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.
Frequent Contributor
Posts: 423
Registered: ‎11-25-2011
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Re: Do Citi & Chase blacklist

citi has a long memory.  if 10 years is the threshold, there is a bit of hope.

 

but regardless, i cant go back to citi.  i always had problems with them, more problems than ive ever had compared to other creditors.

USAA FAKO: Experian 767, Transunion 743, Equifax 734
FICO: Transunion: 738, Equifax 731
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Posts: 9
Registered: ‎02-11-2010
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Re: Do Citi & Chase blacklist

I just applied for a chase freedom card last week and was told that I was not approved because I have included them on my BK and its 11 years old

Transunion fico 723
Equifax fico 673
Experian fico (psecu) 690

Goal 720 across the board
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Posts: 61
Registered: ‎02-07-2008
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Re: Do Citi & Chase blacklist

I would say yes to a Chase blacklist. I had an account that charged off with them in 2004, paid through collection agency. It stopped reporting in 2008 or 2009. I went ahead last month and app for southwest visa and was declined based on 'derogatory relationship with lender'. I thought this was silly because my scores were at least 700s and have a checking and savings account, and a student loan with chase. I called to recon but was told they couldn't help me. I guess 8 years wasn't long enough.

Starting Score: EQ 500 TU 500 EX 500
Current Score: EQ 590 TU 658 EX 647 3/23/15 Recommitted to Fico Health! :smileyhappy:
Goal Score: 675
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Posts: 28,098
Registered: ‎04-01-2007
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Re: Do Citi & Chase blacklist


cowgirl79 wrote:
I would say yes to a Chase blacklist. I had an account that charged off with them in 2004, paid through collection agency. It stopped reporting in 2008 or 2009. I went ahead last month and app for southwest visa and was declined based on 'derogatory relationship with lender'. I thought this was silly because my scores were at least 700s and have a checking and savings account, and a student loan with chase. I called to recon but was told they couldn't help me. I guess 8 years wasn't long enough.

We have members here who included a Providian in BK. After Providian beget WaMu... OK sorry, after WaMu bought Providian, they were able to get a WaMu card. But once Chase bought WaMu, all they can get is a basic Slate card.

 

Chase has a long memory, even when it's a borrowed memory.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
Posts: 236
Registered: ‎01-02-2010
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Re: Do Citi & Chase blacklist

i am blacklist from chase when i call in they told me only reason i can get the freedom was i had buddy on file :smileysad:

Established Contributor
Posts: 999
Registered: ‎11-08-2011
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Re: Do Citi & Chase blacklist


911gt34life wrote:

i am blacklist from chase when i call in they told me only reason i can get the freedom was i had buddy on file :smileysad:



WOW!  I didn't think Chase could black-list you because of your friends!  Ha!

 

j/k :smileywink:

 

-SM

I am not an attorney and none of what I write should be construed as legal advice. For legal advice please consult an attorney.

Starting Score: ~470 preBK(8/2010)
Current Scores as of 3/15/14 All 700+. Last CR pull from a lender(housing) was mid-score 729.
Goal Score: 700+ - reached.
Regular Contributor
Posts: 195
Registered: ‎01-05-2012
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Re: Do Citi & Chase blacklist

[ Edited ]

Useful info....I wonder if Chase will blacklist me if I was an AU.....

Starting FICOs (2/2012): EQ 559 TU 558
Current FICOs (EX and TU Lender pulled 10/6/12): EQ 652 TU 635 EX 647
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Judge not, that ye be not judged.
Frequent Contributor
Posts: 271
Registered: ‎08-09-2009
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Re: Do Citi & Chase blacklist


dalebb wrote:

i know cap1 does,, but im thinking chase does too


Cap 1 doesnt...I have three crap cards with them...I had two charge offs that i paid in 2009 to the third party they sold my debt to. I got a card about a year after those were paid


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Current Score: 670
Goal Score: 700


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