topic Re: Does Citi blacklist? in Credit Cards

Does Citi blacklist?

Anonymous — Wed, 13 Jan 2016 16:35:09 GMT

I had a CO with Citi, they deleted their reporting last month, then informed me that they had sold the debt to a CA. I paid the CA in full in exchange for not reporting.

As of right now I don't have the scores to get in with Citi, but in the future, once my scores have improved will I be able to do business with them again, or will the doors be closed because I burned them in the past?

What companies do blacklist and is there anyway to know if you are blacklisted with them?

Re: Does Citi blacklist?

Anonymous — Thu, 14 Jan 2016 00:01:03 GMT

@Anonymous wrote:
I had a CO with Citi, they deleted their reporting last month, then informed me that they had sold the debt to a CA. I paid the CA in full in exchange for not reporting.

As of right now I don't have the scores to get in with Citi, but in the future, once my scores have improved will I be able to do business with them again, or will the doors be closed because I burned them in the past?

What companies do blacklist and is there anyway to know if you are blacklisted with them?

Yes Citi blacklists All banks do to some extent. CapitalOne seems by far to have the shortest memory. Others hold grudges for many years. The only way to know if you are blacklisted is to apply. Some banks wont even process the application. Others will process them but then deny based on past problems. Its impossible to know how llong you will or wont be on a blacklist. It definitely helps that you paid the chargeoff. My suggestion would be, when your scores are in range, is to apply and see what happens. Even if you're denied because of the chargeoff you mght be able to determine how long that will last.

Re: Does Citi blacklist?

KneelBeforeZod — Wed, 13 Jan 2016 23:59:33 GMT

I agree with Irish80. This is the most sound wisdom you'll get on this topic.

Re: Does Citi blacklist?

taxi818 — Thu, 14 Jan 2016 00:56:42 GMT

@Anonymous wrote:
I had a CO with Citi, they deleted their reporting last month, then informed me that they had sold the debt to a CA. I paid the CA in full in exchange for not reporting.

As of right now I don't have the scores to get in with Citi, but in the future, once my scores have improved will I be able to do business with them again, or will the doors be closed because I burned them in the past?

What companies do blacklist and is there anyway to know if you are blacklisted with them?

Although you paid the CA off as far as Citi is concerned there is still a bad taste in their mouth. I will not say they don't forgive forever but it is a mystery when they will let you back in. Eventually they will even if your scores are strong. No one really knows when that day will be. If it were me i would not worry of them for a long time and focus my efforts on banks that wanted to do business with me. thats just me. Honestly I finally get in with citi last spring. I can't say that im impressed with them. but i am glad to be in there with em.

Re: Does Citi blacklist?

mowglidude — Tue, 16 Feb 2016 17:31:38 GMT

I had a Gateway/CBNA account CO years ago, but no longer reporting. I have read posts on here, that if it is a store/CBNA account, it is not the same as burning Citibank, or being blacklisted by Citi. Does anyone know if that is true or not? Are they seperate entities? Also, does Citi HP if blacklisted?

Re: Does Citi blacklist?

ways2go — Tue, 16 Feb 2016 16:21:45 GMT

here is my personal experience with citi. I went Chp 13 with them in 1989. Two years ago, I tried to get a card with them and they turned me down because of it. I've heard some people have gotten back in with them, so your YMMV.

Re: Does Citi blacklist?

FinStar — Tue, 16 Feb 2016 17:40:21 GMT

@mowglidude wrote:
I had a Gateway/CBNA account CO years ago, but no longer reporting. I have read posts on here, that if it is a store/CBNA account, it is not the same as burning Citibank, or being blacklisted by Citi. Does anyone know if that is true or not? Are they seperate entities? Also, does Citi HP if blacklisted?

The only method to find out is whenever you apply. There are several known outcomes that can result based on your past negative experience with Citi Retail Services. While the parent company may not necessarily "blacklist" you, the Retail Services arm could - it just depends on the CO timeframe, amount, paid/unpaid, IIB, etc. Some individuals have been able to rebuild a relationship with Cit Retail Services despite the previous negative history. Citi can HP if blacklisted - YEMV.

Re: Does Citi blacklist?

Legen_dary — Tue, 16 Feb 2016 17:50:29 GMT

It's been over 7 years since I burned Citi, but they've been sending me "pre-approved" offers in the mail weekly. As they have some pretty good targeted offers, I will probably give it a shot on my next spree.

Re: Does Citi blacklist?

mowglidude — Tue, 16 Feb 2016 18:42:56 GMT

@FinStar wrote:
@mowglidude wrote:
I had a Gateway/CBNA account CO years ago, but no longer reporting. I have read posts on here, that if it is a store/CBNA account, it is not the same as burning Citibank, or being blacklisted by Citi. Does anyone know if that is true or not? Are they seperate entities? Also, does Citi HP if blacklisted?
The only method to find out is whenever you apply. There are several known outcomes that can result based on your past negative experience with Citi Retail Services. While the parent company may not necessarily "blacklist" you, the Retail Services arm could - it just depends on the CO timeframe, amount, paid/unpaid, IIB, etc. Some individuals have been able to rebuild a relationship with Cit Retail Services despite the previous negative history. Citi can HP if blacklisted - YEMV.

Thanks FinStar. Citi Retail Services is the store card parent company? The CO was under $1K, unpaid, Gateway computers, which tells you how old it is. Opened at $3.5K. I didnt even know CBNA stood for Citi until just recently, right before it aged off. So applying for Citi branded card, not a good idea, or be ready to use a HP?

Re: Does Citi blacklist?

Anonymous — Tue, 16 Feb 2016 18:46:20 GMT

@Anonymous wrote:
@Anonymous wrote:
I had a CO with Citi, they deleted their reporting last month, then informed me that they had sold the debt to a CA. I paid the CA in full in exchange for not reporting.

As of right now I don't have the scores to get in with Citi, but in the future, once my scores have improved will I be able to do business with them again, or will the doors be closed because I burned them in the past?

What companies do blacklist and is there anyway to know if you are blacklisted with them?
Yes Citi blacklists All banks do to some extent. CapitalOne seems by far to have the shortest memory. Others hold grudges for many years. The only way to know if you are blacklisted is to apply. Some banks wont even process the application. Others will process them but then deny based on past problems. Its impossible to know how llong you will or wont be on a blacklist. It definitely helps that you paid the chargeoff. My suggestion would be, when your scores are in range, is to apply and see what happens. Even if you're denied because of the chargeoff you mght be able to determine how long that will last.

I agree...

Re: Does Citi blacklist?

iheartwings — Tue, 16 Feb 2016 20:50:03 GMT

@Anonymous wrote:
@Anonymous wrote:
I had a CO with Citi, they deleted their reporting last month, then informed me that they had sold the debt to a CA. I paid the CA in full in exchange for not reporting.

As of right now I don't have the scores to get in with Citi, but in the future, once my scores have improved will I be able to do business with them again, or will the doors be closed because I burned them in the past?

What companies do blacklist and is there anyway to know if you are blacklisted with them?
Yes Citi blacklists All banks do to some extent. CapitalOne seems by far to have the shortest memory. Others hold grudges for many years. The only way to know if you are blacklisted is to apply. Some banks wont even process the application. Others will process them but then deny based on past problems. Its impossible to know how llong you will or wont be on a blacklist. It definitely helps that you paid the chargeoff. My suggestion would be, when your scores are in range, is to apply and see what happens. Even if you're denied because of the chargeoff you mght be able to determine how long that will last.

I burned Citi when I filed BK7 in 2007. A few years after I filed, they sent me a preapproval offer that I foolishly applied for and was instantly declined. This was obviously before I found MF and had no clear plan for managing my credit.

I tried again last year for the Citi DC card, about 8.75 years after I filed, and somehow was instantly approved for $9500 CL. I don't know how that happened.

I burned Citi, Chase, HSBC, and BOA. I got back in with Citi (8.75 years after filing, instant approval), Chase (7.75 years after filing, after recon), and HSBC (for a brief period of time before they were absorbed by CapOne, card closed before merger). I tried for BOA a few years out of BK and was flat out declined due to BK, but didn't recon, nor have I tried now that I am a little over a year out from my BK falling off my record.

Re: Does Citi blacklist?

FinStar — Tue, 16 Feb 2016 21:00:53 GMT

@mowglidude wrote:
@FinStar wrote:
@mowglidude wrote:
I had a Gateway/CBNA account CO years ago, but no longer reporting. I have read posts on here, that if it is a store/CBNA account, it is not the same as burning Citibank, or being blacklisted by Citi. Does anyone know if that is true or not? Are they seperate entities? Also, does Citi HP if blacklisted?
The only method to find out is whenever you apply. There are several known outcomes that can result based on your past negative experience with Citi Retail Services. While the parent company may not necessarily "blacklist" you, the Retail Services arm could - it just depends on the CO timeframe, amount, paid/unpaid, IIB, etc. Some individuals have been able to rebuild a relationship with Cit Retail Services despite the previous negative history. Citi can HP if blacklisted - YEMV.
Thanks FinStar. Citi Retail Services is the store card parent company? The CO was under $1K, unpaid, Gateway computers, which tells you how old it is. Opened at $3.5K. I didnt even know CBNA stood for Citi until just recently, right before it aged off. So applying for Citi branded card, not a good idea, or be ready to use a HP?

Citi Retail Services = CBNA (same subsidiary from parent). Ummm, Gateway? Uh yeah that's pretty ancient. Now, if you never burned Citi with any of their main legacy cards (AAdvantage, Forward, Dividend, etc.), you should be ok. See, this is where your DW comes in handy with adding you as an AU on AmEx CC to boost some scoring

Are you interested in products like Sears MC, Home Depot, Brooks Brothers, Shell MC? Or, along the lines of Double Cash, ThankYou Preferred/Premier, Simplicity, Diamond Preferred?

Re: Does Citi blacklist?

mowglidude — Tue, 16 Feb 2016 21:49:36 GMT

I never burned Citi main legacy cards or ever even had one, just that Gateway. So what does DW stand for, darling wife? Maybe it does lol, I dunno. I will talk to her this week about adding me, depending on her UT, age of act etc. The Citi Thank you Premier or Double Cash are attractive. Scores needed for those?

Re: Does Citi blacklist?

FinStar — Tue, 16 Feb 2016 22:27:37 GMT

@mowglidude wrote:
I never burned Citi main legacy cards or ever even had one, just that Gateway. So what does DW stand for, darling wife? Maybe it does lol, I dunno. I will talk to her this week about adding me, depending on her UT, age of act etc. The Citi Thank you Premier or Double Cash are attractive. Scores needed for those?

DW = dear/darling wife, sure!

Ok, so if you have never had a Citi legacy CC then you should be ok in this area. I believe for some decent chances of approval, FICO scores above 700+ would definitely help. FYI - they can double pull EX and/or EQ (either can be primary depending on your region). If you like cash back, then the Citi Double Cash can be a good fit as far as Citi Cards go - the TY Premier can also be attratcive depending on the sign up bonus (more of a travel card if paired with Prestige); but this one might require a bit of a cleaner/established file before you can take the plunge.

Maybe other members can chime in with their Citi DC experience (scores, history, negatives if any, AAoA and utilization) + if you share more about your profile. This way, you can gauge your chances.

Re: Does Citi blacklist?

mowglidude — Tue, 16 Feb 2016 23:13:11 GMT

You've been very helpful FinStar, I won't bug you any longer. Two inq on EX last week, one on TU, which is it for the last year. Scores in my signature pretty current. An old 30 day fell off TU yesterday, so that score up 13 points from sig. If that same 30 day goes bye off of EX and EQ, that may help. I can wait. I think if I get Marriott, have Arrival +, Citi Double Cash is the best option.

Re: Does Citi blacklist?

FinStar — Tue, 16 Feb 2016 23:33:59 GMT

@mowglidude wrote:
You've been very helpful FinStar, I won't bug you any longer. Two inq on EX last week, one on TU, which is it for the last year. Scores in my signature pretty current. An old 30 day fell off TU yesterday, so that score up 13 points from sig. If that same 30 day goes bye off of EX and EQ, that may help. I can wait. I think if I get Marriott, have Arrival +, Citi Double Cash is the best option.

No bother at all. That's what we're here for. The collective knowledge onthese forums can provide some guidance so that once you are ready, you can formulate a plan to get the CCs you need.

Definitely wait until all your CRs are clear of any lingering negatives. Prior to applying, just double-check to ensure no surprises pop up. It appears you have not opened a lot of cards in the last 2 years, correct? If so, as far as Chase goes, you definitely have a chance with Marriott (definitely once your scores get a bump from the negatives fallig off). If you currently don't have a Marriott loyalty account, definitely get that process started so that once you apply, and if approved, this would shorten any delays with the processing.

Re: Does Citi blacklist?

mowglidude — Tue, 16 Feb 2016 23:42:33 GMT

I already applied for the Marriott and CSP last Friday, pending review. I have Marriott Rewards already, is that what you're talking about as far as loyalty account? If so, I've had that for many years. Actually I received an email offer today for that card, funny.

Re: Does Citi blacklist?

FinStar — Tue, 16 Feb 2016 23:52:22 GMT

@mowglidude wrote:
I already applied for the Marriott and CSP last Friday, pending review. I have Marriott Rewards already, is that what you're talking about as far as loyalty account? If so, I've had that for many years. Actually I received an email offer today for that card, funny.

My bad, yes...now I remember - you're the dude with the pending/recent Marriott & CSP apps

What did the automated status line say today? Is it still giving the 2-weeks/30 days? Oh, and yes, if you already had the loyalty account, this speeds up the process once the approval is in place. Now, CSP might be a little dicey but we've seen unexpected results sometimes. So for now, don't call UW, just the automated status line to see how it's progressing.

Re: Does Citi blacklist?

mowglidude — Tue, 16 Feb 2016 23:59:37 GMT

I knew you'd remember lol. Yes same automated messages, one 2 weeks (Marriott) 2nd 7-10 days (CSP) I'm taking everyone's advice and not calling. I actually linked to app from M Rewards site, if that helps process. Hopefully they connect loyalty program I have.

Re: Does Citi blacklist?

FinStar — Wed, 17 Feb 2016 00:17:52 GMT

@mowglidude wrote:
I knew you'd remember lol. Yes same automated messages, one 2 weeks (Marriott) 2nd 7-10 days (CSP) I'm taking everyone's advice and not calling. I actually linked to app from M Rewards site, if that helps process. Hopefully they connect loyalty program I have.

Ok, sounds like Marriott is proceeding in the right direction. I'll keep my fingers crossed and let us know of any updates. Worse case scenario, if CSP is not approved, you can always try the reconsideration option. But, I would wait until the Marriott processing is finalized so we can provide you with more guidance.