topic Re: Blacklists and HPs in Credit Card Applications

Blacklists and HPs

crednub — Tue, 31 Dec 2019 15:30:41 GMT

I strongly suspect that I am blacklisted with Citi and Chase. I'm fairly positive about Citi but Chase is a bit more of a question mark. I burned them for less, longer ago, and from what I've read they don't blacklist for quite as long as Citi.

My question is this: Does anyone know if either Citi or Chase HP if they deny for internal blacklist or do they see the internal strike and forego the HP?

Thanks

Re: Blacklists and HPs

Brian_Earl_Spilner — Tue, 31 Dec 2019 15:38:23 GMT

Chase will totally HP you. I've heard both from Citi, depending on which arm of theirs you're applying with.

Re: Blacklists and HPs

soxfaininfl — Tue, 31 Dec 2019 16:10:43 GMT

@crednub wrote:
I strongly suspect that I am blacklisted with Citi and Chase. I'm fairly positive about Citi but Chase is a bit more of a question mark. I burned them for less, longer ago, and from what I've read they don't blacklist for quite as long as Citi.

My question is this: Does anyone know if either Citi or Chase HP if they deny for internal blacklist or do they see the internal strike and forego the HP?

Thanks

How much did you burn Chase and Citi for?

Re: Blacklists and HPs

FinStar — Tue, 31 Dec 2019 16:38:58 GMT

@Brian_Earl_Spilner wrote:
Chase will totally HP you. I've heard both from Citi, depending on which arm of theirs you're applying with.

Correct. Both Citi/Citi Retail and Chase will HP regardless if on the 'naughty' list.

Re: Blacklists and HPs

dustind — Tue, 31 Dec 2019 18:13:01 GMT

Can you check if Chase has any pre-approved offers?

Re: Blacklists and HPs

pizza1 — Thu, 02 Jan 2020 03:46:37 GMT

Was your burn a BK burn, or just a burn like CO?

What type of burn and when did it happen?

Re: Blacklists and HPs

Anonymous — Thu, 02 Jan 2020 03:58:12 GMT

@crednub wrote:
I strongly suspect that I am blacklisted with Citi and Chase. I'm fairly positive about Citi but Chase is a bit more of a question mark. I burned them for less, longer ago, and from what I've read they don't blacklist for quite as long as Citi.

My question is this: Does anyone know if either Citi or Chase HP if they deny for internal blacklist or do they see the internal strike and forego the HP?

Thanks

I am blacklisted by both. Never try to app for Chase yet. But app for a Best Buy Visa and Citi Double Cash cards. Both denied and HP.

Re: Blacklists and How

crednub — Thu, 02 Jan 2020 06:09:53 GMT

@pizza1 wrote:
Was your burn a BK burn, or just a burn like CO?

What type of burn and when did it happen?

They were both C/O's. Honestly, I probably should have gone with BK, but I was young and dumb and just decided to ignore everything and pretend it wasn't happening because I didn't have the finances or knowledge of how to deal with it.

Citi was the last account I managed to keep active until they closed it due to the state of my credit at that point. They let it ride until the physical card came up for renewal then they simply declined to issue a new card and closed the account. I just looked and that was only a little over 4 years ago; though the account has since been settled through a collector and removed from my CRs. I recognize that I have no chance of getting anywhere with Citi anytime even remotely soon; that one is going to be a long, long time if ever. I really only tossed them in since I was asking about Chase anyways; as I said, they are the bigger question mark.

Again, a C/O but nearly twice as long ago at about 7.5-8 years ago and iirc it was in the $1k neighborhood. Also settled with a collector a few years back.

Re: Blacklists and HPs

crednub — Thu, 02 Jan 2020 06:12:18 GMT

@dustind wrote:
Can you check if Chase has any pre-approved offers?

I will try again soon, but as of my last check when I was getting a couple new accounts (Amex and Amazon/Sync) almost exactly 2 months ago there were no offers available for me with the prequal tool.