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

Senior Contributor

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

    For me it's been 17 1/2 years and counting with American Express.  You can share your story to if you want. 

When you help yourself, you feel good. But when you help somebody else get back on their feet, it’s a high that no chemical drug can ever match. It’s the greatest high in the world. It’s addictive, it’s contagious, and the world needs more of it.

Message 1 of 19
18 REPLIES
Regular Contributor

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

Somewhere around 2004 or early 2005 I had burned Amex on an old Optima card. (that was a good looking card, btw!) 

I'm guessing it was right around $1000 or so by the time late fees and interest had been added on. (one of many charge offs during that time, never any BK though)

 

Well, as of two days ago I was just approved for the AMEX ED and yesterday, after making me wait a day I got the approval email for the Platinum card.

 

Frankly I never thought I'd get off that BL. I periodically app for cards just to test the waters with them, but always denied due to past relationship.

Message 2 of 19
Moderator

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

Last time I checked was 27 years with AMEX and that was after they bombarded me with pre approved/selected offers. I have not bothered since nor will I ever again.

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 3 of 19
Moderator

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


gdale6 wrote:

Last time I checked was 27 years with AMEX and that was after they bombarded me with pre approved/selected offers. I have not bothered since nor will I ever again.


Wow, they must have a top secret dossier on you to keep you blacklisted for 27 years.

Message 4 of 19
Established Contributor

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

Discover... I had a business card in 2006-2007 time frame. I missed a couple payments and they sent it to a third party to collect the balance (~$1500). I paid off the third party but ever since when I app for Discover that is the reason given for the denial. Unsatisfactory previous relationship. I guess this year makes about 10 years on the blacklist that they claim doesn't exist Smiley Happy

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 5 of 19
Moderator

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

For me it's Barclays due to an old Juniper card that was charged off during the recession (2008-ish)... I found out about their blacklist when I tried to get Sallie Mae and was summarily denied without even a HP (for which I was thankful).

 

Knowing what I do now I'll probably never try with Barclays again, so unfortunately I'm not likely to ever have an additional data point about how long my "ban" will last.  At this point I'm assuming it will be indefinitely, anyway.

Message 6 of 19
Member

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

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

The bad: dismissed bankruptcy
The good: consistent income
Starting 8/16: 539, 541, 555
7/17 641
current 648 Goal: 828 (all things work together....)
Message 7 of 19
Super Contributor

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

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.
Starting Score: 802
Current Score: 828
Goal Score: 850


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Message 8 of 19
Valued Contributor

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

7 years with USAA.  They wouldn't even let me use their website and I had to their mobile app to pay my insurance bill.

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Hyatt, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.
Message 9 of 19
Valued Contributor

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


828by2020 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.  

BOA Cash Rewards, AMEX BCE, AMEX PRG, AMEX Ameriprise Platinum, AMEX SPG, CITI AADvantage Platinum, Chase Hyatt, Chase Southwest Premier, Chase Southwest Plus, Barclay Arrival +, Barclay AAdvantage Red Aviator, USAA Prefered Cash Rewards , Cap One Quicksilver, Lendup L card, JCrew, Pottery Barn, Express, NFCU Go Rewards.
Message 10 of 19