topic 2012 Blacklist Thread in Credit Cards

2012 Blacklist Thread

afbar1114 — Mon, 23 Apr 2012 03:29:12 GMT

I though I would open a new thread and tell you what has happened to me. I charged off HSBC, CAP1, and GE. Paid them all in full and was able to open new accounts with all of them

Re: 2012 Blacklist Thread

Anonymous — Mon, 23 Apr 2012 04:20:02 GMT

What did they do with the COd & paid accounts? Still reporting or deleted?

Re: 2012 Blacklist Thread

LIGHTNIN — Mon, 23 Apr 2012 04:34:31 GMT

@afbar1114 wrote:
I though I would open a new thread and tell you what has happened to me. I charged off HSBC, CAP1, and GE. Paid them all in full and was able to open new accounts with all of them

Hi afbar1114,

You may want to include the date of CO and the dates PIF, because that could make a difference.

Re: 2012 Blacklist Thread

Anonymous — Mon, 23 Apr 2012 11:55:19 GMT

Cap 1 won't give me a credit card because I included them in my bk for one cc and two auto loans.

Re: 2012 Blacklist Thread

Creditaddict — Mon, 23 Apr 2012 17:01:29 GMT

@Anonymous wrote:
Cap 1 won't give me a credit card because I included them in my bk for one cc and two auto loans.

Give it some time and they will... but do the pre-approval with them, if it's not offered I would not apply.

Re: 2012 Blacklist Thread

sjt — Tue, 22 May 2012 18:27:11 GMT

I know Amex blacklists but will take you off once you pay them. Im wondering if Chase and Citibank does the same?

Re: 2012 Blacklist Thread

Anonymous — Tue, 22 May 2012 18:43:27 GMT

@sjt wrote:
I know Amex blacklists but will take you off once you pay them. Im wondering if Chase and Citibank does the same?

I'm blacklisted from GE.. Had several accounts with them that had $0 balance when I filed for bankruptcy, but one stupid JCP card with under a $300 balance. (Think it was right around $100)

If I could pay off that balance and get off the blacklist I would be thrilled.. lol

Re: 2012 Blacklist Thread

sjt — Tue, 22 May 2012 18:53:01 GMT

@Anonymous wrote:
@sjt wrote:
I know Amex blacklists but will take you off once you pay them. Im wondering if Chase and Citibank does the same?
I'm blacklisted from GE.. Had several accounts with them that had $0 balance when I filed for bankruptcy, but one stupid JCP card with under a $300 balance. (Think it was right around $100)

If I could pay off that balance and get off the blacklist I would be thrilled.. lol

ow long has it been since you filed your BK?

Re: 2012 Blacklist Thread

Tommy5746 — Tue, 22 May 2012 20:30:00 GMT

I have heard that Macys is reallly hard on blacklisting.. I hear once you burn them they are very difficult to get back with..

Re: 2012 Blacklist Thread

Anonymous — Tue, 22 May 2012 20:54:38 GMT

3 years, so pretty recent.

@sjt wrote:
@Anonymous wrote:
@sjt wrote:
I know Amex blacklists but will take you off once you pay them. Im wondering if Chase and Citibank does the same?
I'm blacklisted from GE.. Had several accounts with them that had $0 balance when I filed for bankruptcy, but one stupid JCP card with under a $300 balance. (Think it was right around $100)

If I could pay off that balance and get off the blacklist I would be thrilled.. lol
ow long has it been since you filed your BK?

Re: 2012 Blacklist Thread

iCoop — Tue, 22 May 2012 20:56:14 GMT

I'm on Amex's blacklist for a charged off balance that I am currently paying back and will be finished with next month. I don't think I will apply for a card with them right away after paying it off either, might wait until late 2013.

I don't know if you would call it being on the blacklist, but BofA won't open a credit line for me just yet because I have two PIF closed accounts with them that were from two years ago. According to the recon rep they want to see a longer length of good credt use before they offer me credit again.

Re: 2012 Blacklist Thread

injustifiiable — Tue, 22 May 2012 21:37:04 GMT

I had a CapOne card CO back in 2002. Paid in full in 2004, fell off report in 2009. I was able to get a secured card with them.

Also had an Orchard account go bad in 2005. I was pre-selected and approved for a Household Bank card in January of this year. CO vanished from EQ (the CRA they softed me on in the first place) but paid off CO is still on the other two reports. They are due to fall off later this year.

Re: 2012 Blacklist Thread

sjt — Wed, 23 May 2012 01:25:16 GMT

@Anonymous wrote:
@sjt wrote:
I know Amex blacklists but will take you off once you pay them. Im wondering if Chase and Citibank does the same?
I'm blacklisted from GE.. Had several accounts with them that had $0 balance when I filed for bankruptcy, but one stupid JCP card with under a $300 balance. (Think it was right around $100)

If I could pay off that balance and get off the blacklist I would be thrilled.. lol

You should call GE Money Bank at 1-866-419-4096.

Re: 2012 Blacklist Thread

sjt — Wed, 23 May 2012 01:26:44 GMT

@iCoop wrote:
I'm on Amex's blacklist for a charged off balance that I am currently paying back and will be finished with next month. I don't think I will apply for a card with them right away after paying it off either, might wait until late 2013.

I don't know if you would call it being on the blacklist, but BofA won't open a credit line for me just yet because I have two PIF closed accounts with them that were from two years ago. According to the recon rep they want to see a longer length of good credt use before they offer me credit again.

After you pay off Amex, you should inquire about the Oasis Recovery Program.

Re: 2012 Blacklist Thread

knoxman — Wed, 23 May 2012 14:59:46 GMT

I BK'd Citi in '89, 23 years ago and they STILL remember. On the other hand I have unpaid CO with Chase and Discover and just got approved for both.

Re: 2012 Blacklist Thread

iCoop — Wed, 23 May 2012 18:11:04 GMT

@sjt wrote:
@iCoop wrote:
I'm on Amex's blacklist for a charged off balance that I am currently paying back and will be finished with next month. I don't think I will apply for a card with them right away after paying it off either, might wait until late 2013.

I don't know if you would call it being on the blacklist, but BofA won't open a credit line for me just yet because I have two PIF closed accounts with them that were from two years ago. According to the recon rep they want to see a longer length of good credt use before they offer me credit again.
After you pay off Amex, you should inquire about the Oasis Recovery Program.

They offered the Oasis a few years back right before I settled but I wasn't interested at the time. I would try it now but with the inability to secure another one of their cards until off of the oasis program doesn't seem to make much sense to rebuild my credit. I already have two prime cards, a mortgage, and an auto loan that are building my credit and this TL in question with Amex is not reporting on any of my credit reports. So I figure I will just pay it off next month, let the wound heal for about a year and then maybe attempt to secure a better Amex card with my score being in the mid 700s.

Re: 2012 Blacklist Thread

sjt — Wed, 23 May 2012 18:22:24 GMT

@iCoop wrote:
@sjt wrote:
@iCoop wrote:
I'm on Amex's blacklist for a charged off balance that I am currently paying back and will be finished with next month. I don't think I will apply for a card with them right away after paying it off either, might wait until late 2013.

I don't know if you would call it being on the blacklist, but BofA won't open a credit line for me just yet because I have two PIF closed accounts with them that were from two years ago. According to the recon rep they want to see a longer length of good credt use before they offer me credit again.
After you pay off Amex, you should inquire about the Oasis Recovery Program.

They offered the Oasis a few years back right before I settled but I wasn't interested at the time. I would try it now but with the inability to secure another one of their cards until off of the oasis program doesn't seem to make much sense to rebuild my credit. I already have two prime cards, a mortgage, and an auto loan that are building my credit and this TL in question with Amex is not reporting on any of my credit reports. So I figure I will just pay it off next month, let the wound heal for about a year and then maybe attempt to secure a better Amex card with my score being in the mid 700s.

Another member was going to investigate and confirm if you are able to apply for another Amex product while having an active Oasis card. If that ws the case then you should inquire about the card. If your utilization rate is low and you score is upper 600's or higher, then you can probably get a charge card, which will be good for age.

Re: 2012 Blacklist Thread

iCoop — Thu, 24 May 2012 20:08:27 GMT

@sjt wrote:
@iCoop wrote:
@sjt wrote:
@iCoop wrote:
I'm on Amex's blacklist for a charged off balance that I am currently paying back and will be finished with next month. I don't think I will apply for a card with them right away after paying it off either, might wait until late 2013.

I don't know if you would call it being on the blacklist, but BofA won't open a credit line for me just yet because I have two PIF closed accounts with them that were from two years ago. According to the recon rep they want to see a longer length of good credt use before they offer me credit again.
After you pay off Amex, you should inquire about the Oasis Recovery Program.

They offered the Oasis a few years back right before I settled but I wasn't interested at the time. I would try it now but with the inability to secure another one of their cards until off of the oasis program doesn't seem to make much sense to rebuild my credit. I already have two prime cards, a mortgage, and an auto loan that are building my credit and this TL in question with Amex is not reporting on any of my credit reports. So I figure I will just pay it off next month, let the wound heal for about a year and then maybe attempt to secure a better Amex card with my score being in the mid 700s.
Another member was going to investigate and confirm if you are able to apply for another Amex product while having an active Oasis card. If that ws the case then you should inquire about the card. If your utilization rate is low and you score is upper 600's or higher, then you can probably get a charge card, which will be good for age.

For the most part I've seen on this forum and others that the Oasis blocks you from applying for other cards but some people have managed to slip through the cracks. Currently my utilization on revolving credit cards is at 0% unless you include this card which takes it up significantly and my score is hovering around 660 due to some recent HP's and new accounts being opened.

Re: 2012 Blacklist Thread

CS800 — Thu, 24 May 2012 21:18:24 GMT

@iCoop wrote:
I'm on Amex's blacklist for a charged off balance that I am currently paying back and will be finished with next month. I don't think I will apply for a card with them right away after paying it off either, might wait until late 2013.

I don't know if you would call it being on the blacklist, but BofA won't open a credit line for me just yet because I have two PIF closed accounts with them that were from two years ago. According to the recon rep they want to see a longer length of good credt use before they offer me credit again.

Same story for me with BOA. I have 3 accounts (two of which were former MBNA that BOA took over). Its been about 2 years since i paid all of them off in full. Still got declined last Nov for a 1-2-3 card stating they needed to see more history.