Citi blacklist dps

[Jnbmom]

Just thought I would pass this along as always YMMV.

DH and I included citi in BK in 2005. Eventually he was able to get a few cobranded cards (macys home depot), however always denied their bank cards.

I eventually got the simplicity card used it for BT deal and then really had no use for card, they wouldn't convert after numerous tries and I was downsizing my cards, so I closed it.

Well it's been 15 years, and I thought maybe just maybe he could get simplicty and get a nice BT deal.

Denied top 2 reasons, previously account with them IIB and unsatisfactory account with them in the past. 3rd reason inquiries .

Sooooo for those that can get back in, you should feel very fortunate, as 15 years later he still is on BL.

[Anonymous]

Sorry 😕

[Jnbmom]

@Anonymous 

It's ok , just wanted to share, i mean barclays yeah I expect that but citi 😕

[Meanmchine]

I think its ironic that Citibank denies you and hubby for IIB fifteen years ago when Citibank topped the list of bank who received federal money from TARP

[Loquat]

@Jnbmom I burned Citi in my BK13 on a Home Depot card and they have never given me an issue in regards to approvals.  Maybe because the card I burned them on was a co-brand?  Not sure but even so I have/had quite a few Citi cards.  My current lineup with them is Prestige, Premier, Rewards+, Double Cash, AAdvantage, Best Buy Visa, and Home Depot.   I believe a couple of them I had to just call for verification but none ever denied to have to explain my previous BK.  I guess I will consider myself lucky/fortunate.  

[Anonymous]

If I am reading this correct you bought burned Citi but they let you back in (Simplicity) but not him?

[Jnbmom]

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@Anonymous wrote:

If I am reading this correct you bought burned Citi but they let you back in (Simplicity) but not him?

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That is correct.

[Anonymous]

Citi allowed me to combine by Simplicity and DC and I kept the DC.  At first they said it was not possible but then I started talking about unneeded cards.  This was my second call after trying to cancel the Simpicity and being transferred to retention and convinced to keep it.  I think $14,000 is a healthy limit on a Citi card.

The only card I ever burned was Capital One from college.  Got back in with them in 2015 starting at $10,000.

Too many options to be worried about ones who hate you but I assume the challenge is why you do it.

[FireMedic1]

So sorry @Jnbmom . That completely sucks. Their loss. Your gain now.

[Jnbmom]

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@FireMedic1 wrote:

So sorry @Jnbmom . That completely sucks. Their loss. Your gain now.

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@FireMedic1 

Yes we really don't need them, just found it strange to still be on their naughty list, but completely understandable.