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Chase/BOA credit pulled, Not blacklisted?

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Waldemar
New Contributor

Chase/BOA credit pulled, Not blacklisted?

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

Ally Platinum MC: $4,300 | Amazon Prime Store Card: $3,100 | Apple Card MC: $2,750 | BCU Cash Rewards Visa Signature: $15,000 | BCU Travel Rewards Visa Signature: $10,000 | Bread Cashback Amex: $10,500 | Capital One Kohls Visa Signature: $3,300 | Capital One Quicksilver WEMC: $3,000 | Capital One SavorOne WEMC: $10,000 | Capital One VentureOne WEMC: $3,100 | Capital One Walmart Rewards MC: $1,250 | Express Credit Card: $3,150 | Famous Footwear Credit Card: $650 | FNBO Platinum Visa: $650 | Helzberg Diamonds Card: $3,000 | IKEA Projekt Credit Card: $6,100 | PayPal Cashback WMC: $10,000 | Suncoast Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $8,000 | Toyota Rewards Visa Signature: $6,000 | Truist Enjoy Cash Visa Signature: $5,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500

Lines of Credit

BCU Unsecured LOC 5k | PenFed OD LOC 300

Auto Loan (Reaffirmed)

Navy Federal Auto 7,100 remaining out of 21k

Rebuilding since June 28 2021.
Message 1 of 6
5 REPLIES 5
Brian_Earl_Spilner
Credit Mentor

Re: Chase/BOA credit pulled, Not blacklisted?

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

    
Message 2 of 6
Epiki71
Regular Contributor

Re: Chase/BOA credit pulled, Not blacklisted?

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
CH-7-Mission-Accomplished
Valued Contributor

Re: Chase/BOA credit pulled, Not blacklisted?


@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
Waldemar
New Contributor

Re: Chase/BOA credit pulled, Not blacklisted?

IMG_2424.jpeg

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

Credit Cards

Ally Platinum MC: $4,300 | Amazon Prime Store Card: $3,100 | Apple Card MC: $2,750 | BCU Cash Rewards Visa Signature: $15,000 | BCU Travel Rewards Visa Signature: $10,000 | Bread Cashback Amex: $10,500 | Capital One Kohls Visa Signature: $3,300 | Capital One Quicksilver WEMC: $3,000 | Capital One SavorOne WEMC: $10,000 | Capital One VentureOne WEMC: $3,100 | Capital One Walmart Rewards MC: $1,250 | Express Credit Card: $3,150 | Famous Footwear Credit Card: $650 | FNBO Platinum Visa: $650 | Helzberg Diamonds Card: $3,000 | IKEA Projekt Credit Card: $6,100 | PayPal Cashback WMC: $10,000 | Suncoast Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $8,000 | Toyota Rewards Visa Signature: $6,000 | Truist Enjoy Cash Visa Signature: $5,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500

Lines of Credit

BCU Unsecured LOC 5k | PenFed OD LOC 300

Auto Loan (Reaffirmed)

Navy Federal Auto 7,100 remaining out of 21k

Rebuilding since June 28 2021.
Message 5 of 6
OmarGB9
Community Leader
Super Contributor

Re: Chase/BOA credit pulled, Not blacklisted?

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
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