topic Re: Blacklisting in Credit Cards

Blacklisting

pghguy — Fri, 08 Aug 2008 20:13:37 GMT

OKay I need everyones expertise....

I have read some of the blacklisting threads and I want to make sure I have this correct. This pertains to BK.

Amex will blacklist for life

Discover, Chase, BOA, Citi for 7 years?

How long will Juniper and Merrick blacklist for?

What about Cap 1 and HSBC?

Thanks guys!!

Re: Blacklisting

Anonymous — Fri, 08 Aug 2008 20:14:58 GMT

pghguy wrote:

OKay I need everyones expertise....

I have read some of the blacklisting threads and I want to make sure I have this correct. This pertains to BK.

Amex will blacklist for life

Discover, Chase, BOA, Citi for 7 years?

How long will Juniper and Merrick blacklist for?

What about Cap 1 and HSBC?

Thanks guys!!

Are you asking about whether these CCCs will blacklist if you IIB them, or just for having a BK reporting even if those particular CCCs weren't included?

Re: Blacklisting

pghguy — Fri, 08 Aug 2008 20:39:25 GMT

If you BK them (IIB) how long do they blacklist

Message Edited by pghguy on 08-08-2008 01:39 PM

Re: Blacklisting

Anonymous — Fri, 08 Aug 2008 20:33:46 GMT

From what I've seen here on the forums, Discover and BOA *should* approve if the BK is over 7 years old.

One member had to call Discover for recon after an initial denial for BK to let them know it was over 7 years old.

Re: Blacklisting

plasticguy — Fri, 08 Aug 2008 23:26:27 GMT

I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07. Started out at 10K. I have a Discover Card at 15k had it since 06 8.74 APR Have received several increases CITI is the Problem. Gave me 2 accounts Professional at 15K and Diamond at 8300. They will not grant me an increase on the Diamond due to the default. Pro was Opened in Sept 07, Diamond open Jan 08. Both cards are still at Promo rate of 0% and as of now when rate is over, Diamond will be 6.99% Pro 7.24%. Now why would they give me 2 accounts yet decline any future increases. I already started a thread about this a few days ago As you can tell by my scores, I've picked my self up and Cleaned up

Re: Blacklisting

Anonymous — Sat, 09 Aug 2008 00:35:31 GMT

plasticguy wrote:
I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07.

Were you told this info about 20 years by someone at Amex, or are you basing that on your own experience? The consensus is that they blacklist for life if you IIB them. Your own experience may be simply because they no longer have a record of your previous relationship gone bad, which happens now and then in a company that size.

Re: Blacklisting

plasticguy — Sat, 09 Aug 2008 13:53:17 GMT

No, no one at AMEX told me, that's what I heard. However, they still have my record. When I activated my blue in 07, the agent told me "Thank you for being a card member since 87. That's when I opened the green card and filed in 89

Re: Blacklisting

Anonymous — Sat, 09 Aug 2008 16:34:06 GMT

plasticguy wrote:
I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07. Started out at 10K. I have a Discover Card at 15k had it since 06 8.74 APR Have received several increases CITI is the Problem. Gave me 2 accounts Professional at 15K and Diamond at 8300. They will not grant me an increase on the Diamond due to the default. Pro was Opened in Sept 07, Diamond open Jan 08. Both cards are still at Promo rate of 0% and as of now when rate is over, Diamond will be 6.99% Pro 7.24%. Now why would they give me 2 accounts yet decline any future increases. I already started a thread about this a few days ago As you can tell by my scores, I've picked my self up and Cleaned up

when did you file for bk. For what i understand discover was founded in the late 80's

Re: Blacklisting

Anonymous — Sat, 09 Aug 2008 16:43:14 GMT

carlos1102 wrote:

plasticguy wrote:
I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07. Started out at 10K. I have a Discover Card at 15k had it since 06 8.74 APR Have received several increases CITI is the Problem. Gave me 2 accounts Professional at 15K and Diamond at 8300. They will not grant me an increase on the Diamond due to the default. Pro was Opened in Sept 07, Diamond open Jan 08. Both cards are still at Promo rate of 0% and as of now when rate is over, Diamond will be 6.99% Pro 7.24%. Now why would they give me 2 accounts yet decline any future increases. I already started a thread about this a few days ago As you can tell by my scores, I've picked my self up and Cleaned up

when did you file for bk. For what i understand discover was founded in the late 80's

I don't think that's right. I haven't researched it or anything, but I KNOW I remember seeing Discover card applications at dozens of cash registers in the early 80s. Everywhere you went, they were sticking one of those under your nose. Unless I'm losing my mind. ;-)

Re: Blacklisting

Anonymous — Sat, 09 Aug 2008 17:37:51 GMT

I believe Wikipedia stated that Discover started in 1986, but I (or it) could be wrong.

Re: Blacklisting

plasticguy — Sat, 09 Aug 2008 19:06:44 GMT

Discover Card is a major credit card, issued primarily in the United States. It was originally introduced by Sears in 1985, and was part of Dean Witter, and then Morgan Stanley, until 2007, when Discover Financial Services became an independent company. When I got one I had a $1900 limit it was 1987 and I filed in 89

Re: Blacklisting

haulingthescoreup — Sat, 09 Aug 2008 19:22:23 GMT

@Anonymous wrote:
I believe Wikipedia stated that Discover started in 1986, but I (or it) could be wrong.

That sounds about right.

DH got a Discover in '89, specifically because it was such a useless card --you could only use it in Sears back in the day. So that would be about right: 3 years for him to stare at it suspiciously and then go for it.

Re: Blacklisting

pghguy — Sat, 09 Aug 2008 19:36:40 GMT

So Amex seems to the only one that blacklists for life? Anyone know about Merrick or Juniper? I have seen people on this forum getting Chase cards again correct?

Re: Blacklisting

Anonymous — Sun, 10 Aug 2008 15:34:40 GMT

I'd be very interested in hearing more about people's experiences with BofA in this regard. The brunt of my 6 year old BK was with them. I would really like to re-establish a relationship with them, if they will, after ALL my baddies (less to sole public record associated with the bk) drop off next year. I'll be in the FICO 710-735 range by then with all 3 CRAs and with zero baddies after the BK in November of 2002.

Message Edited by beenthere on 08-10-2008 08:34 AM

Re: Blacklisting

lisac — Sun, 10 Aug 2008 17:10:14 GMT

i'd like to know about boa. no bk for me, but i had a MBNA card settled, transfered to boa. it just fell off one report, the other should fall in the next 2 months. will they let me have a card with them?