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Does US Bank Blacklist if I included them in Bankruptcy?

Regular Contributor

Does US Bank Blacklist if I included them in Bankruptcy?

I was wondering if anyone knew if US Bank Blacklist if I included them in bankruptcy?

 

I wanted to app for the Lexus Visa at the end of this year, but they are services by US Bank.

BK 7 DC'd 10/2010
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Message 1 of 8
7 REPLIES
Valued Contributor

Re: Does US Bank Blacklist if I included them in Bankruptcy?


SCYD wrote:

I was wondering if anyone knew if US Bank Blacklist if I included them in bankruptcy?

 

I wanted to app for the Lexus Visa at the end of this year, but they are services by US Bank.


As a general rule most if not all banks blacklist if you burned them.  To put it another way, how many women do you know who get left standing on the alter, then turn around and start dating the same guy again as if nothing happened?  Yeah, me neither Smiley Wink

 

I would wait a minimum of 3 years (or whenever the BK is off your CR).  And even that may not be enough time....

Message 2 of 8
Valued Contributor

Re: Does US Bank Blacklist if I included them in Bankruptcy?

Some lenders have a long memory...

 

Old saying, "Gonna lend money to the person that didn't pay you back the last time?"

 

IME, giving you an example...I'll never hold a Chase card again in my lifetime. Still blacklisted after fourteen years.

Message 3 of 8
Senior Contributor

Re: Does US Bank Blacklist if I included them in Bankruptcy?


Dw4250 wrote:

As a general rule most if not all banks blacklist if you burned them.


This.  Would the OP continue to lend money to people that don't pay the OP back?

Message 4 of 8
Established Contributor

Re: Does US Bank Blacklist if I included them in Bankruptcy?

I burned Chase 8 years ago in 2 charge-offs. It's still in their system but I'm more mature now and they have allowed me 1 Chase card for now. 

Message 5 of 8
Senior Contributor

Re: Does US Bank Blacklist if I included them in Bankruptcy?

Everyones story varies but chances to get back in are very low maybe a persuasive letter would do at an approval of $500.

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 6 of 8
Moderator

Re: Does US Bank Blacklist if I included them in Bankruptcy?

US Bank is really conservative, so I'd be surprised if they let you back in without repaying them first.  I burned Chase back in 1999 and even by repaying them, wasn't able to get back in until 2012.

Message 7 of 8
Established Contributor

Re: Does US Bank Blacklist if I included them in Bankruptcy?


SCYD wrote:

I was wondering if anyone knew if US Bank Blacklist if I included them in bankruptcy?

 

I wanted to app for the Lexus Visa at the end of this year, but they are services by US Bank.


It might be that US bank just services the card and not underwrites it.. If that is the case they won't make the determination on credit.. I don't know though.

Too many to list..
Message 8 of 8