@Anonymous wrote:Hi, So I burned both Citibank and Chase back in 2007 and finally in November 2014 the collections are no longer on my credit report. I have recovered by opening a cap one secured in 2013 to now having a cap one qs visa and mcc along with discover student and barclays rewards mc. I am really curious to see outcome if I apply for chase slate which according to ck odds they are good and at same time i have a pre selected cit double cash pre selcted invitation in my hands. Would they both be hps if I get denied because of past history with them? Which one is considered an easier card to get?. Very curious since I burned Citi for $40000 and Chase for $20000.
I'm interested in these responses. Holy cow those are quite the burns. I think the Slate, for people who have not burned them is usually considered easier to get. Lets wait for the professors to respond.
Must garden until 2/1/2022 to hit my goal AAOA. 
@Skye12329 wrote:
My guess is your black listed. So even though the collections may have fallen off. The memories of those lenders is quite long. So unless you paid them back I think your possibly still banned. From what I understand is Chase has a really long memory and citi has a decently long memory too.
If you were to apply for one or the other. I would suggest citi only because it's rewards card and can be used after. Although I feel like Chase gives out better limits. And slate is mainly for balance transfers so if you don't need a transfer I suggest not applying for it.
What if he attempted a secure card with either lender for 6 mos. and then trying for a rewards card after?
P.S. I have no idea if these 2 even have secure cards, just throwing out an idea
Citi does have a loooooong memory, I am still BL with them for IIB 18K in 1996. I wont ever try for another one of their cards.
