Chase/BOA credit pulled, Not blacklisted? - myFICO® Forums - 6674385

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So in 2021, my bk7 was discharged. I read many times some banks will blacklist people who cause them a loss. Well, I tried that theory and applied for a Bank of America card, and my Experian was pulled. I tried the same with Chase's Amazon Visa, and my Experian was also pulled. Is it safe to assume I am not on these banks' naughty list but still decline after seeing the bk on file?

Credit Cards

Amazon Prime Store Card: $10,000 | Apple Card MC: $5,500 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Sig: $40,000 | BCU Travel Rewards Visa Sig: $15,000 | Bread Cashback AmEx: $18,500 | Bread Rewards AmEx: $11,650 | Capital One Kohls Visa Sig: $4,750 | Capital One Quicksilver WEMC: $3,000 | Capital One SavorOne WEMC: $25,000 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $1,650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $6,000 | IKEA Projekt Credit Card: $6,600 | Macy’s Amex $9,000 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Sig: $9,000 | Truist Enjoy Cash Visa Sig: $8,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | US Bank Smartly Visa Sig: $10,000 | WF One Key+ WEMC: $9,000

BCU Unsecured LOC 5k

BCU Auto Loan $17,059.00

Rebuilding since June 2021.

Message 1 of 6

5 REPLIES 5

No, because they HP anything that moves. Amex is the only one that spares a HP if you're blacklisted.

Star Brigade FCU | NPSL

Message 2 of 6

OP,

Not really, both banks will pull even if you are on their blacklist, you should get an email explaining why you were denied.

Last Signature Update: 03/08/2023

Message 3 of 6

@Brian_Earl_Spilner wrote:
No, because they HP anything that moves. Amex is the only one that spares a HP if you're blacklisted.

It's been many years now, but when I was trying to get back in with Barclay's, they would do an internal check and decline you without pulling credit. I made a lot of apps for the American Airlines card before one day they just said yes - and that was the only credit pull. I don't know if this is still the case.

Message 4 of 6

Chase response. For BOA I guess I'll get the response via regular mail.

Credit Cards

Amazon Prime Store Card: $10,000 | Apple Card MC: $5,500 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Sig: $40,000 | BCU Travel Rewards Visa Sig: $15,000 | Bread Cashback AmEx: $18,500 | Bread Rewards AmEx: $11,650 | Capital One Kohls Visa Sig: $4,750 | Capital One Quicksilver WEMC: $3,000 | Capital One SavorOne WEMC: $25,000 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $1,650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $6,000 | IKEA Projekt Credit Card: $6,600 | Macy’s Amex $9,000 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Sig: $9,000 | Truist Enjoy Cash Visa Sig: $8,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | US Bank Smartly Visa Sig: $10,000 | WF One Key+ WEMC: $9,000

BCU Unsecured LOC 5k

BCU Auto Loan $17,059.00

Rebuilding since June 2021.

Message 5 of 6

BoA will still pull credit even if blacklisted. I know because I had a CO with them back in 2018 and tried for a card last month and got denied. When I got the letter, it basically said negative past history.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Message 6 of 6