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

Member

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.
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 11 of 19
Community Leader
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
Frequent 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
In the garden 'til 02/2018
Rebuilding since BK7 dc in 01/2011 with FICO8 in the 500s
12/01/17 Fico8 EX 752 EQ 752 TU 701
INQs EX 5 EQ 5 TU 3

Penfed TR Amex $10K | C1 QS $12K | Discover it $7.8K | Discover More (AU) $11.7K | Marvel MC $8K | Barclay Financing Visa $7.2K | BoA CR $2.5K | Blispay $3K | Citi BB Visa (AU) $8K | WalMart $6K
Message 13 of 19
Established Contributor

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


828by2020 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.

Ch 7 Discharge May 2015: EQ 588/TU 552/EX 570
Nov 2017: EQ 683/TU 660/EX 668 w/ 24% CC util reporting
Discover/Target/NFCU CLOC/NFCU Cash Rewards/PenFed Power Cash Rewards - $46k total revolving
Message 14 of 19
Established Contributor

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


frogman1 wrote:

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.  


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

Ch 7 Discharge May 2015: EQ 588/TU 552/EX 570
Nov 2017: EQ 683/TU 660/EX 668 w/ 24% CC util reporting
Discover/Target/NFCU CLOC/NFCU Cash Rewards/PenFed Power Cash Rewards - $46k total revolving
Message 15 of 19
Community Leader
Super Contributor

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. 


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover; NASA Platinum Cash Rewards. EQ: 763 TU: 737 EX: 787
Message 16 of 19
Valued Contributor

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.

Starting Score: (8/15) EQ08 592 TU08 572 EX08 600
Current Score: (11/17) EQ08 711TU08 705 EX08 697
I'm never here bc not a fan of the new culture.
Message 17 of 19
Valued Contributor

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


Dinosaur 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.

Perks, purchase protection, and sketchy merchants: Schwab Platinum.....Price rewind and extended warranties: Costco.....Travel insurance: Prestige.....Renewal nights: IHG, Hyatt.....Rewards/Offers: Discover, Freedom, ED, BCE.....Taxes/Misc: SPG...Questioning the value of: CSP, Arrival

760ish FICOs...Rebucketing hurts!
Total CL: Enough
Message 18 of 19
Moderator

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


wasCB14 wrote:

Dinosaur 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