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Super Contributor
concorduser
Posts: 6,025
Registered: ‎09-18-2007
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Re: What bank you can't get your foot in the door with


mross1080 wrote:

concorduser wrote:
It is Barclays for me, last 4 years I could not get any thing.

You try the recon number? I've had great luck with that!


Yep. I tried few times and never worked.  I just gave up. It is not worth the aggrevation.

 

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gbishere
Posts: 736
Registered: ‎07-07-2010
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Re: What bank you can't get your foot in the door with

For me its target. I applied before I got some negatives removed though. I'm sure if I reapplied I could get in but now I don't know if I want a target card. Poor credit lines ...

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Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
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Re: What bank you can't get your foot in the door with

I think allot of times it depends on what underwriter see's your report an what kind of mood their in.


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FicoScore626
Posts: 253
Registered: ‎09-01-2009
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Re: What bank you can't get your foot in the door with

In the past, before the internet and myfico.com, and before understanding credit gardening I could never get my foot in the door with Citibank. But it's a new day, I've been gardening like crazy and reaping whatever rewards come my way. Sometime next year I'm going to take another crack at Citibank because at this point I just want a credit card from them just for the conquest and not even use it. :smileywink:

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Datx
Posts: 1,051
Registered: ‎05-20-2010
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Re: What bank you can't get your foot in the door with

Citi and Bank of America. I cant even get a secured with Bank of America. I havent tried to get a secured card through Citi yet, but I'm not going to even try. I have a feeling I can get into Chase next year once all my EX inquiries aged for a year, that is the only reason I got denied for on two diff times now.

TU: 603 – EQ: 569 – EX: N/A – May 2010

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Uniqua
Posts: 683
Registered: ‎04-05-2008
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Re: What bank you can't get your foot in the door with

 


FicoScore626 wrote:

In the past, before the internet and myfico.com, and before understanding credit gardening I could never get my foot in the door with Citibank. But it's a new day, I've been gardening like crazy and reaping whatever rewards come my way. Sometime next year I'm going to take another crack at Citibank because at this point I just want a credit card from them just for the conquest and not even use it. :smileywink:


 

Then what good is the conquest if you don't use it?  Come on, you gotta put at least a pack of gum on it every month.  LOL. 

 

Isn't it something though, how back in the day we had no idea what criteria lenders looked for when approving CC apps?  I am grateful for the information and the knowledge though.  And Bank of America would probably throw me a dingy fish net and two herring if I even "thought" about applying with them.  Things went sour some years back and from what I hear, they NEVER forgive!!


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Uniqua
Posts: 683
Registered: ‎04-05-2008
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Re: What bank you can't get your foot in the door with

 


concorduser wrote:

mross1080 wrote:

concorduser wrote:
It is Barclays for me, last 4 years I could not get any thing.

You try the recon number? I've had great luck with that!


Yep. I tried few times and never worked.  I just gave up. It is not worth the aggrevation.

 


It is assumed that Barclay's CCs are easy CCs to get.  I know first hand that-that is not true.  They denied me a couple of years ago too.  Thankfully, I finally got in with their AmEx.  Still can't believe they have denied you for 4 years though.  Did you hit the VP's parked car and flee the scene?  j/k  :-)

 


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clocktick
Posts: 1,604
Registered: ‎12-07-2008
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Re: What bank you can't get your foot in the door with

Bank of America and Discover. 

 

I have had a BOA account for almost six years now.  In fact, I have three acounts with them.  I had a $10k secured card for 15 months with them that never graduated.  They denied me a card a couple of weeks ago.  I honestly think it's because of an extremely old, and FALSE, student loan entry on my CRs that  is supposedly from BOA/Chela.

 

Discover denied me recently, again, for "either currently having or have had a Discover card."  I had one back in the day and it makes me wonder if they blacklist?  It was a paid chargeoff years ago that I don't even think is on my CRs anymore (have to check again).

 

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Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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Established Member
RammaCredit
Posts: 57
Registered: ‎07-14-2010
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Re: What bank you can't get your foot in the door with

I think all companies blacklist, even if it was a case of identity theft. I recommend a CU card in yor local area.


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JMN
Posts: 321
Registered: ‎10-25-2009
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Re: What bank you can't get your foot in the door with

Up until a few months ago, it was U.S. Bank.

 

I went from getting denied with them in the beginning of 2010 (short overall credit history) to being approved for a combined total, across three accounts, of $53,000 in credit products. 

 

Not complaining now, lol.

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