Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 356
Registered: ‎10-10-2007
0 Kudos

Personal blacklist: Which CCCs/lenders do YOU blacklist?

[ Edited ]
An OP started another helpful thread about which CCCs blacklist for past financial missteps.  I'd like to put a different spin on this.  Which companies do You refuse to work with?
As I mentioned in the first blacklist thread, I had an old MBNA account, and I think BOA has blacklisted me.  I will know more soon as my secured card will hit its one-year anniversary next month.  If BOA doesn't "graduate" me to unsecured, then our lending relationship is forever severed. 
As we educate ourselves as consumers and as competition increases in the financial sector, we have the ability to seize some of the power (perceived or otherwise) that banks have over us.  We're not helpless beings begging to be deemed creditworthy for BigBank's lending products.  As I mentioned before, I'm not going to be disrespected by someone who calls me "customer."  That is a privilege that can be revoked at anytime!!!
Having said that, which banks do you refuse to work with and why?
Topping my list--
Merrick (aka Hooters) for ridiculous and inflexible terms
BOA (if they don't get it together soon!)  This no longer applies!  I fluv BoA!!!
Please join me in taking back our power as educated consumers and tell me who's on you your personal blacklist!!!

Message Edited by lurknomore on 08-13-2008 07:24 AM
FICO: 8/08 - TU 718; EQ 702; EX 733 (Bonafide 700 club member!)
Next goal: 750s across the board!!
Regular Contributor
Posts: 181
Registered: ‎07-11-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

I am in no financial position to tell them where to go--yet. In a year or so, It'll be a different story.

However, when I get a cap1 card, I'm going to auto-sockdrawer them. They get to start off with gum every 6 months pif. They're pissing me off the way they treat my boyfriend. Don't trust them.

"I find your lack of tradelines disturbing..." - Darth FICO
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

My Blacklist is short but here it is anyway.
1.) Sears: I will never do business with them again, in fact when I go to the mall, I won't even set foot in their store as a short-cut to the other side of the mall.
2.) Chase: Though I have a CC account with them in good standing, this will end in a few months. They have horrible customer service and even rate jack and thrash some of their best card holders.
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Established Contributor
Posts: 523
Registered: ‎09-09-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

Advanta - Way too picky. Rejected with 5 inquiries.
CapOne - Horrible company to deal with.
Barclay's - Absolute worse treatment of customers if you can even get to them.
Credit repair - the Ski Mask Way.
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

Well, I hope that BofA graduates you smoothly. I must have missed what they've done to irritate you.

But I will cheerfully enter WFNNB to the consumer blacklist. They don't generate a statement, even an electronic one, unless you have a balance, and it takes them weeks to get around to that. So the statements can occur at any time of the month. They claim to report to all three CRA's every Friday, but that the CRA's might not update for 60-90 days. This is not true of any other card I have, or that my husband has. I have had to dispute each time to get balances to post, and they still won't properly report that the card is currently used. It looks like I'm making payments on 1 1/2 year old purchases. And so on.

Some of the WFN stores: J.Crew, Victoria's Secret, Express, Lerner, Ann Taylor, and the Limited.
* 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
Frequent Contributor
Posts: 293
Registered: ‎05-01-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

1. capital one 2. hsbc 3. chase 4. sears 5.jc penny 6.circuit city. 7.Macy's . i was told by some of these through the mail over the years that i should use it or lose it and chase rated jacked me for no reason so i closed everyone of them and use only three cards for now.
Super Contributor
Posts: 5,747
Registered: ‎10-06-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

Bank of America: Anti DMP policy, lying, entrapment.
Capitol One:. Preditory practices
Wells Fargo: Late payment policy
06/10/2017 FICO: EQ 781 TU 787 EX 785
Valued Contributor
Posts: 2,385
Registered: ‎09-10-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

Chase - and anything they manage also - for cancelling my Plat card in '94 for NO REASON (always PIF).
Now a member of the UNOFFICIAL 700 Club - Plus scores of 734-734-747
Regular Contributor
Posts: 149
Registered: ‎11-03-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

I'm seriously considering cancelling BofA because they're now going to issue credit cards to illegals (oh, sorry, I forgot, undocumented workers).
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0 Kudos

Re: Personal blacklist: Which CCCs/lenders do YOU blacklist?

I'm too soon in the re-building process to complain. But you guys are making me thankful I didn't get approved with Chase, although that is who I bank with.
I like my secured BoA card. I so wanted Hello Kitty! But how can a bank issue a card to a person with no social?

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.