@Anonymouswrote:
so many people here i find are blacklisted for major credit cards like
AMEX
Citi
BofA
Chase
Wells Fargo
Barclays
Is it blacklisted forever. Other than IIB or Paying off do they never forget you? I wonder. I m bad with almost everyone either in their checking or credit card account. My only route is the credit Unions.
When i think of applying if all above cards have blacklisted me, who have i got to apply with? R we so limited now?
I burned Bank of America with two cards over 20 years ago. They let me back in 18 months ago with a $3500 BankAmericard, which has since been increased to $10k. Around that same time I tanked a Discover (no idea what my limit was) and my first PenFed card for $500. Back in with both now.
Honestly don't know how useful the BoA datapoint would be. I'd have to imagine that they've probably upgraded systems a time or two since then, so old data has probably been purged. Whose to say that they haven't improved their digital record keeping and can now keep somebody blacklisted for the next 50 years?
As of 12/11/2023: FICO8- EQ- 828, TU-820, EX-810 - FICO9- EQ- 853, TU- 851, EX- 820 - FICO10- EQ- 822, TU-815, EX-787
* DCU Platinum $10K * USAA Rewards Sig Visa $18k * Chase Amazon Rewards Visa $7k * Kohls $3k * Amazon Store $10k * Citi DC $5.8k * Discover IT $5.8k * AmEx EveryDay $4.1k * Chase Freedom $3k * CapOne WEMC $10k * Barclay Cashforward $6.9k * Citi Premier $3.6k * USAA AmEx Cashback Rewards $18k * BoA Platinum Plus $15k * USBank Kroger 1-2-3 $10.5k * Amex Hilton Honors $8.7k * PenFed Platinum Rewards $10k * PayPal Credit $5.3k * NFCU GoRewards $18.6k * Walmart MC $10k * AMEX BCP $5K * 5/3 Bank Truly Simple $4.5k * AMEX Gold* CapOne Venture $10K* Chase Southwest RR $7.9k* Citi Costco $7k* Sam's Club MC $10k*
