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What's the longest you ever been blacklisted with a credit card company?

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Anonymous
Not applicable

Re: What's the longest you ever been blacklisted with a credit card company?

Thanks for the info. I just sent a letter requesting specific reasons. IMO I think that there is some type of computer glitch because they are saying that there is pending legal action against me...but I have no knowledge of this.
Message 11 of 19
eddie84
Valued Contributor

Re: What's the longest you ever been blacklisted with a credit card company?

2- 3 years with Amex.

Message 12 of 19
JR_TX
Valued Contributor

Re: What's the longest you ever been blacklisted with a credit card company?

7 years now with Amex (IIB). Been app'ing for their cards for 24+ consecutive months now! Lol. No HP every single time. This will probably be the only time that I'll be delighted to get a HP and get turned down cuz then I'd know I'm off their BL. Smiley Happy
New cc TLs : 0/6 ; 0/12 ; 0/24 | HPs EX 3 EQ 3 TU 4 | AAoA 7y10m | UTIL 1% - 4% | $300K+ Total Limits

Message 13 of 19
Anonymous
Not applicable

Re: What's the longest you ever been blacklisted with a credit card company?


@Anonymous wrote:
Thanks for the info. I just sent a letter requesting specific reasons. IMO I think that there is some type of computer glitch because they are saying that there is pending legal action against me...but I have no knowledge of this.

ME TOO!! 

 

Even though my credit reports are correct, I think my IIB accounts didn't get marked properly in their internal systems.

 

I've moved on. Never cared for them all that much anyway . . was just trying to get my rebuild going. I have far better cards now.

Message 14 of 19
Anonymous
Not applicable

Re: What's the longest you ever been blacklisted with a credit card company?


@Anonymous wrote:

@Anonymous wrote:

I am on year 8 with capital1 but I think its because of a computer system glitch.  


Capital One doesn't black list.  They gave me a credit card with their credit card showing as charged off on my report and updating it monthly.  


There is no rhyme or reason to their black list, but it definitely exists.

Message 15 of 19
Anonymous
Not applicable

Re: What's the longest you ever been blacklisted with a credit card company?

Almost ten years on AmX blacklist. Don't plan on applying. Ever. 

Message 16 of 19
Anonymous
Not applicable

Re: What's the longest you ever been blacklisted with a credit card company?

Depends how long I post to the forums.   

 

Burned US Bank in 2015.  I haven't made any attempts for even a checking/savings account!  

 

I'll see when the token baddie falls around early 2021 by giving it a go.  Rumor states their memory isn't as long as USAA, NFCU, or AMEX.

Message 17 of 19
wasCB14
Super Contributor

Re: What's the longest you ever been blacklisted with a credit card company?


@Anonymous wrote:
Well I burned AX for many thousands of dollars and never ever did I figure to get back in with them. It has been 17 years. Oh ... I am not back with them and do not intend to take the HP. There are other lenders that cover my basis so it is not worth getting excited over AX. Originally got in with AX with the Green and then Gold Charge Cards with a Bank Credit line (prestige and mystique was the thing and not issuing cards to the masses). Today all the hype etc is gone so for me why bother? It is about what card product best suits my need at any given point in time.

I could be wrong, but my understanding is that Amex rejects apps from blacklisted people before even pulling a credit report. So no HP unless/until you're off the blacklist.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 18 of 19
Anonymous
Not applicable

Re: What's the longest you ever been blacklisted with a credit card company?


@wasCB14 wrote:

@Anonymous wrote:
Well I burned AX for many thousands of dollars and never ever did I figure to get back in with them. It has been 17 years. Oh ... I am not back with them and do not intend to take the HP. There are other lenders that cover my basis so it is not worth getting excited over AX. Originally got in with AX with the Green and then Gold Charge Cards with a Bank Credit line (prestige and mystique was the thing and not issuing cards to the masses). Today all the hype etc is gone so for me why bother? It is about what card product best suits my need at any given point in time.

I could be wrong, but my understanding is that Amex rejects apps from blacklisted people before even pulling a credit report. So no HP unless/until you're off the blacklist.


Correct, they don't.  Barclays won't either but Chase will and I think Citi will as well.

Message 19 of 19
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