topic Re: burnt my bridges 😖 in Rebuilding Your Credit

burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 01:07:37 GMT

hello all .. after being in a bad place financially and burning my credit from the most popular banks (chase, cap1, amex, wf, lowes syncrony,discover, barclays) i am proud to say im currently sitting at 750 score all the way from 500 when all this occurred. since then all the cards and collections fell from my report and i have a few cap1 cards.... problem im having is i never have pre approvals and although not the best credit monitoring app (credit karma) i never have any card recommendations showing on their app besides other cap1 cards and apple card.....will these big banks i named never take me back? 😢

Re: burnt my bridges 😖

AndySoCal — Thu, 19 Feb 2026 01:24:17 GMT

@newcredit A couple of questions From where did you get your credit score? How did you resolve the collections and did you file a bankruptcy?

I would suggest a local credit union might be to help you.

Re: burnt my bridges 😖

Snow-Leopard — Thu, 19 Feb 2026 01:25:43 GMT

You are most likely banned from Barclays for life.

American Express and Chase have very long memories.

Capital One / Discover like to ban people too, so YMMV.

Synchrony may will let you back in. You can try prequalifying for one of their cards.

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 01:35:35 GMT

@AndySoCal thanks for responding... never resolved no bankruptcy just had bad credit for a long time lol .. paying my car and the one card i had left up until now they have all since been removed.. and i get my scores from credit karma, cap1 shows my fico8 score , and i have accounts with each credit union ex eq and tu and check annualcreditreport.com occasionally

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 01:39:57 GMT

@Snow-Leopard thanks for responding... and yea cap1 seems to be the only one giving me chance i have 8k total limit with them... im also AU on some decent limit cards ... im afraid to check pre approvals with chase, discover and amex because i might pop back up on their radar and will open a new collection lol

Re: burnt my bridges 😖

AndySoCal — Thu, 19 Feb 2026 02:05:18 GMT

@newcredit @What type credit cards if any do have with your credit unions?

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 02:13:33 GMT

@AndySoCal i have pretty much every capital one card lol platinum, quicksilver, savor, venture highest limit is 6k and i only use 1 and pay it off full monthly... none with CU i will apply with them when i go on my app spree but trying to see what banks are even left that i didnt burn that may approve me

Re: burnt my bridges 😖

AndySoCal — Thu, 19 Feb 2026 02:26:11 GMT

Your approval chance would be better most likely with credit union. You can wait if you want I would not go on app spree it may not be that productive.

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 02:30:40 GMT

@AndySoCal thanks for advice.... yea i will go with credit union but i was planning on apply for cards that im pre approved for .... apple card, usbank, cap1

Re: burnt my bridges 😖

AndySoCal — Thu, 19 Feb 2026 03:09:01 GMT

How in general are you being pre approved for ?

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 03:14:06 GMT

@AndySoCal i dont understand what your asking

Re: burnt my bridges 😖

Patient957 — Thu, 19 Feb 2026 04:12:41 GMT

@newcredit wrote:
hello all .. after being in a bad place financially and burning my credit from the most popular banks (chase, cap1, amex, wf, lowes syncrony,discover, barclays) i am proud to say im currently sitting at 750 score all the way from 500 when all this occurred. since then all the cards and collections fell from my report and i have a few cap1 cards.... problem im having is i never have pre approvals and although not the best credit monitoring app (credit karma) i never have any card recommendations showing on their app besides other cap1 cards and apple card.....will these big banks i named never take me back? 😢

You didn't mention Citi. Maybe give them a try. They have some very popular cards. Who can't use a Custom Cash?

Citi is inq and velocity sensitive. IMO,for your best chances on your first Citi card, apply at 0/12 new revolving accounts and no HP for 6+ months.

Their preapprovsls aren't known to be trustworthy, so most of the time you just have to risk a HP.

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 04:26:24 GMT

@Patient957 thanks for responding... and yea i tried their pre approval link but no go😑right now i have only 3 inquires and they are all over 18months ago.. my utilization is either 5% or 0% ..no matches for me still...... but you made a GREAT point now that im thinking about it my friend just got a simplicity and they didnt have any pre approvals for him. he applied not istant approval but after veryifying everything approved! so actually i might do that as well. would just HATE to waste an inquiry lol

Re: burnt my bridges 😖

Patient957 — Thu, 19 Feb 2026 05:26:51 GMT

Yep, it sucks to waste an inquiry, but sometimes you just have to risk it.

When I got my two Citi card last year, I didn't bother with the preapproval because I'd heard it's not accurate. So I just took the risk, because I felt confident I'd be approved.

For me Citi pulls Experian, though YMMV.

Re: burnt my bridges 😖

Snow-Leopard — Thu, 19 Feb 2026 06:10:16 GMT

For me Citi pulls Experian, though YMMV.

Applied for a Citi card in mid-2025. HP on both EQ and EX.

Re: burnt my bridges 😖

pizzadude — Thu, 19 Feb 2026 15:33:40 GMT

You can check your pre-approval status with AMEX and they'll tell you if you'd be approved w/o impacting your scores ( no HP )

Also if you're blacklisted they wouldn't pull your credit anyway, you'd just get a message that you're declined due to a previous card / relationship, etc..

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 15:49:42 GMT

@pizzadude thanks for your response.... that is good to know. so your saying even if i did apply they wouldnt run my credit if im blacklisted? also silly question but will applying or checking for pre approval reignite anything ? will they open a new collection or something since they now have all my info lol its been 7 yrs and its been removed from all reports

Re: burnt my bridges 😖

pizzadude — Thu, 19 Feb 2026 15:56:28 GMT

@newcredit wrote:
@pizzadude thanks for your response.... that is good to know. so your saying even if i did apply they wouldnt run my credit if im blacklisted? also silly question but will applying or checking for pre approval reignite anything ? will they open a new collection or something since they now have all my info lol its been 7 yrs and its been removed from all reports

Checking for preapproval won't cause them to start hounding you for the debt, and if you are blacklisted they wouldn't even attempt a credit pull.

Also if it's already aged off your reports then it shouldn't reappear. How much did you burn AMEX for out of curiosity ?

Re: burnt my bridges 😖

newcredit — Thu, 19 Feb 2026 16:09:44 GMT

@pizzadude like 2500 around there

Re: burnt my bridges 😖

pizzadude — Thu, 19 Feb 2026 16:21:17 GMT

@newcredit wrote:
@pizzadude like 2500 around there

There's no hard rule with AMEX but generally what I've seen reported, smaller amounts are less of an issue