Bankruptcy Blacklist - add what you know

[masscredit]

I haven't seen any extensive lists for how long credit card companies blacklist people who have filed for bankruptcy so maybe we can make this the one. There are probably two catagories. If you've burned them and if you've' filed but didn't burn them. Share you're experiences/what you know.

Capital One - tends to be very forgiving. Even if they were part of the BK. 

AMEX - I've read you can try with them 61 months after BK. Don't recalled if that's if they were included or not.

NFCU - Has a long memory if you burned them. Have to pay them or nothing.

PENFED - I recently used their pre-approval page to see what it would say. I was approved for a loan but denied for a credit card. They were burned in my BK that was DCed in June '22.

[Anonymous]

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@masscredit wrote:

I haven't seen any extensive lists for how long credit card companies blacklist people who have filed for bankruptcy so maybe we can make this the one. There are probably two catagories. If you've burned them and if you've' filed but didn't burn them. Share you're experiences/what you know.

AMEX - I've read you can try with them 61 months after BK. Don't recalled if that's if they were included or not.

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From what I've read, if you burn Amex you (almost) never get a chance to get back unless and until you pay the amount owed.

[IsambardPrince]

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@masscredit wrote:

I haven't seen any extensive lists for how long credit card companies blacklist people who have filed for bankruptcy so maybe we can make this the one. There are probably two catagories. If you've burned them and if you've' filed but didn't burn them. Share you're experiences/what you know.

Capital One - tends to be very forgiving. Even if they were part of the BK. 

AMEX - I've read you can try with them 61 months after BK. Don't recalled if that's if they were included or not.

NFCU - Has a long memory if you burned them. Have to pay them or nothing.

PENFED - I recently used their pre-approval page to see what it would say. I was approved for a loan but denied for a credit card. They were burned in my BK that was DCed in June '22.

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Amex is 61 months if you did NOT burn them. If you did and you don't pay it back, depends on how mad they are about it. Some people get back in 8-9 years later, some people 20, some never. But they don't do a hard pull until you've been approved and THEN accept the card, so you can just ask every month if you want to. The only thing that you get if they refuse it is a lot of letters saying no and this is why.

I did not burn AmEx so I plan to ask soon, later this year.

Capital One let me back in exactly 12 months after losing well over $20,000. I now have credit lines of almost $30,000 5 years later.

[NoMoreE46]

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[masscredit]

How about Synchrony? I've read posts that say 2 1/2 years and I've read posts that say 7-10 years. 

And data points for Chase, BoA, Discover?

I burned Discover. They keep denying me when I use their pre-qualification site.

[JoeRockhead]

• I believe Chase has similar policies to Amex but perhaps not as long a memory as Amex if burned
• BoA can be forgiving after a few years
• Synchrony can be forgiving after a few years
• Disco can be forgiving, YMMV as to when
• Barclays is forever

[Horseshoez]

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@JoeRockhead wrote:

• I believe Chase has similar policies to Amex but perhaps not as long a memory as Amex if burned
• BoA can be forgiving after a few years
• Synchrony can be forgiving after a few years
• Disco can be forgiving, YMMV as to when
• Barclays is forever

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In my experience, Chase and Amex have two very different types of memory; I burned both in my 2015 Chapter 13, I got back in with Chase after my bankruptcy fell off my recoreds, Amex is still telling me to get lost.

[pip3man]

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@masscredit wrote:

How about Synchrony? I've read posts that say 2 1/2 years and I've read posts that say 7-10 years. 

And data points for Chase, BoA, Discover?

I burned Discover. They keep denying me when I use their pre-qualification site.

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Honestly Synchrony is very odd when it comes to their approval after being IIB. My personal experience, I was first approved for the PayPal Mastercard 2yrs & 2 months post BK7 discharge. The card ended up getting closed by them 5 days later for unrelated reasons. Got approved for the Venmo CC at 3yrs post discharge ($12k current limit) and PayPal MC ($1k current limit) at the 4yr mark. The interesting part is I still get denied for all other SYNCB backed card ranging from Amazon, Lowes, Care Credit and everything in between. The denial reasons always states "prior unsatisfactory relationship." I would also state these same cards were burned in my BK7.

[isaemm76]

Did Capone let you in 12 months after filing or 12 months after discharge?

[masscredit]

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@isaemm76 wrote:

Did Capone let you in 12 months after filing or 12 months after discharge?

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I was approved for my first unsecured card (Cap1 QuickSilver) 8 months after filing/5 months after DC. Had a $3000 SL. I burned them for quit a bit spread out over a few cards in my BK.