topic Re: CITI BANK CREDIT CARD ..... Blacklisted? in Credit Cards

CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Mon, 29 Jul 2013 20:17:14 GMT

So I had a AA credit card maybe 8 years ago. However I was very young and stupid. It got sent to collections etc... It's been over 6 or 7 years from that. I apply for a CITI card will I be blacklisted because of what happened? Or will they approve me now that I have good credit?

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Mon, 29 Jul 2013 20:29:28 GMT

Its going to be a YMMV situation. Some people were able to get off the blacklist after some time has passed, but some continue to be blacklisted even though its been more than 2 decades.

The only way to really know is to try. Sometimes they will not pull an inquiry if you are blacklisted, but sometimes they would still go ahead and pull inquiries even when its a guaranteed denial.

No way to really tell.

Re: CITI BANK CREDIT CARD ..... Blacklisted?

SSA_2013 — Mon, 29 Jul 2013 20:30:59 GMT

Citi is known to blacklist users. However, you will never know until you apply. Some have gotten back in even with Amex, Chase, etc. So if you don't mind the hard pull go ahead and apply. The best case is you are let back in. Worst case is they pulled your credit and denied (at least you will know if the negative has you blacklisted), the middle ground is you apply...they deny you...but they don't pull a report because the previous negative. Keep us posted!

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Mon, 29 Jul 2013 20:35:18 GMT

WOW!!! ! last thing I forgot to mention. I just got an AMEX blue approved couple days ago. If I apply for Citi will Amex be upset? lol I mean I know they dont like when people apply for credt. I do not want to get a Financial Review or anything. What do you guys think ?

Re: CITI BANK CREDIT CARD ..... Blacklisted?

boomersooner02000 — Mon, 29 Jul 2013 20:43:47 GMT

I just recently we through this exact same thing. For years I had a Sears Citi Mastercard and by my own stupidity it was charged off and sent to collections for around $700 or so. So when I found out I paid the collection agency and did a PFD. I then contacted Citi executive customer service by writing them a letter and included a copy of the letter from the collection agency stating it was paid and the tradeline had been removed. Citi was nice enough to remove their negative tradeline from my reports as well. This was at least 5 years ago if not 6.

Last week I applied for the Citi Bank AAdvantage Visa and was told to call in. I called they did some verification things and I was told I was denied. I received the denial via email the following day and it stated " Your existing account(s) was not maintained in a satisfactory manner. This includes all of your accounts issued by Citibank, N.A. such as Visa, MasterCard, store cards, or gas cards." They pulled both Experian and my Equifax reports.

So I then called up their executive customer service and spoke to a nice lady by the name of Tammy. Told her what the letter stated and explained that the issue had been a mistake. I asked her if she could have someone review it for reconsideration and she said she would. One day later I received the phone call from her and she said I had been approved and to expet my card within 7 days. I got the card last Saturday.

If you get denied definitely call their executive customer service team and request reconsideration. They've been very helpful for me.

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Tue, 30 Jul 2013 14:58:06 GMT

Ya, So I applied and got DENEIED I called the executive customer service team. The ysaid I was denied because of too many inquiries. IHowever I explained that, that was due to the purchase of a car couple weeks ago and wanted to shop around for the best rate. She said she would pass my application for reconsideration and she will call me within 24-48 hours. Hopefully with good news!

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Tue, 30 Jul 2013 15:30:35 GMT

Good luck OP!

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Wed, 31 Jul 2013 17:41:34 GMT

How much was it? And can you afford to pay it now? I know that if you tell them you will pay the previous debt, they will remove you from the black list and probably give you a card if your credit would qualify otherwise..

Re: CITI BANK CREDIT CARD ..... Blacklisted?

ltspongebob — Thu, 01 Aug 2013 06:13:00 GMT

I would guess that it depends. I burned a wells fargo student credit card back in college (1996). Didn't bother apply for another card from them until 2007; got a instant approval for $4000. I kept my checking and savings with them since 1990, so maybe thats what it was...

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Thu, 01 Aug 2013 12:56:18 GMT

Yeah.. 11 years.

Funny thing though. When I declared bk and included my BoA credit cards, they closed out my bank accounts too and send me a cashiers check for the balance in them. 6 years later I had to go in there and beg them to let me open a bank account. I was moving all my brokerage accounts over to Merrill.. and since BoA and Merrill are the same now, I had no choice but to beg. I burned BoA pretty bad though, probably $20k worth of unsecured debt.. my bk is still reporting, and I have a credit card with them already. It's a baby limit of $7,500.. I don't use it.. but it's nice to know that even with BoA, I wasn't totally burned.. haha

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Anonymous — Thu, 01 Aug 2013 15:26:14 GMT

I got a call from a executive customer service lady. And said she sent over my app to an underwriter to see if he can override all the hard inquiries I had like 7! I told her the reason was that I bought a car 3 weeks ago and was shopping around for the best offer. So she said she went ahead and was able to ovveride it and that my CL is $3,000! So now I have the Thank You card and im so excited She said I will get my card within a week. I guess the CITI AA card I had like 6 years ago that went into collections I owed like $5,000 they forgave me From just having a Capital One card with CL of $300. just 3 weeks ago. To now having a AMEX Blue CL $1.5k , CiTI thank you 3K, and an a Auto Loan of $10k. Things are looking up! This time I will be RESPONSIBLE!!!!! Time to GARDEN

Im still waiting on one more US BANK Rewards card. They said verification needed. So we will see how that one goes if not. Im happy with what I got. Considering I had nothing 2 months ago! =D

Re: CITI BANK CREDIT CARD ..... Blacklisted?

09Lexie — Thu, 01 Aug 2013 17:21:13 GMT

Congrats! Well done!

Re: CITI BANK CREDIT CARD ..... Blacklisted?

sjt — Mon, 05 Aug 2013 04:41:56 GMT

Did B of A automatically approve you when you applied and do you think having an ML account helped.

Re: CITI BANK CREDIT CARD ..... Blacklisted?

sjt — Mon, 05 Aug 2013 04:49:16 GMT

Congrats on getting the Citicard.

It seems like all the banks that blacklist are inconsistent in their blacklist policy, except American Express I'd the exception because at least they are consistent. You pay them and they take you off the list. If you PIF the other banks its no guarantee.

Re: CITI BANK CREDIT CARD ..... Blacklisted?

knoregs — Mon, 05 Aug 2013 05:09:20 GMT

@Anonymous wrote:
I got a call from a executive customer service lady. And said she sent over my app to an underwriter to see if he can override all the hard inquiries I had like 7! I told her the reason was that I bought a car 3 weeks ago and was shopping around for the best offer. So she said she went ahead and was able to ovveride it and that my CL is $3,000! So now I have the Thank You card and im so excited

Congrats!

~kn

Re: CITI BANK CREDIT CARD ..... Blacklisted?

chnceit — Mon, 05 Aug 2013 06:57:34 GMT

Congrats!

Re: CITI BANK CREDIT CARD ..... Blacklisted?

azguy13 — Mon, 05 Aug 2013 07:10:10 GMT

Congrats! Its always good to see someone getting a second chance.