Credit Cards that Blacklist

[ways2go]

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@pipeguy wrote:

Chase and Citi and US Bank will all put you on the naughty-not-nice list for 10+/- years. As far as major primary lenders, Cap-1 and Discover are probably the most forgiving letting you back in. 

I'm not talking about secondary cobranded lenders like Comenity or Sync and certainly not the sub-prime fee magnet cards like Credit One or First Premier.  

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Citi is like 23+ years..  I went Chp 13 on them back in 1990 for around 2500 on an American Advaantage card.  I applied for a citi card in 2014.  I applied online, completed the app, hit submit. It sat there for a few seconds, it looked it was going to get approved. A rep came online during the process, wanted to verify my full name and something else.  It immediately went denied.  I haven't applied for a citi card since. My costco card transferred over to Citi and received two CL increases since to 17000. YMMV ,  but that is my experience with them

[drewopa]

Amex

11B 1998 which included >$5K Optima card

Never even considered applying again until Oct 2017 but was approved for EDB for $500.  3x cli plus auto cli now has it at $2K.  Received offers for Magnet and Delta Blue in June.  Approved for both at $8.5K and $6K, respectively.  Recent 3x cli on the Magnet and now at $25.5K.  Income $62K and EX 750s.  Nineteen years really does not help with a timeframe but I am proof that you can get back in and with some decent credit lines.  Good luck.

[sjt]

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@JMills wrote:

Good Day,

How does blacklisting work do you still get blacklisted if you paid off the card.

Thanks

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You should not be blacklisted after paying off the card, if it was paid to the original creditor and not a JDB.

[Anonymous]

US Bank IIB 8/2010 - denied Gold Checking today and no HP for Cash+.

I pretty much knew I was blacklisted with USB but since it was actually a garden goal and I ended up with no HP, it’s no big loss. Thought I would add the DP for others though. Their memory is definitely long, I am going to remove them as a goal card since including not just a credit card but a reserve line means I’m likely going to be blacklisted a very long time.

If you can’t even get a deposit account, you know you’re on the very naughty list.

[sjt]

What were the reasons for the denial? Are your reports frozen?

[Anonymous]

I have to wait for the letters in the mail obviously but the checking was outright denied and I got no notification of a HP from any of the three bureaus (they’re a TU puller normally right?)

[sjt]

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@Anonymous wrote:
I have to wait for the letters in the mail obviously but the checking was outright denied and I got no notification of a HP from any of the three bureaus (they’re a TU puller normally right?)

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I believe for banking accounts they do a SP. Are any of your CRA frozen?

[Anonymous]

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@sjt wrote:

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@Anonymous wrote:
I have to wait for the letters in the mail obviously but the checking was outright denied and I got no notification of a HP from any of the three bureaus (they’re a TU puller normally right?)

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I believe for banking accounts they do a SP. Are any of your CRA frozen?

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Experian is frozen because it’s a whole thing to unfreeze Experian and nobody pulls them — but I just looked and Experian is actually what they pull in Colorado (4 out of 4 on DoC). When I get the letters I’ll update if it was due to Experian being frozen or previous relationship. I will honestly be amazed if they actually tried to pull me although if they did, I will be thrilled that I have a chance because it changes my garden goals. 

[sjt]

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@Anonymous wrote:

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@sjt wrote:

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@Anonymous wrote:
I have to wait for the letters in the mail obviously but the checking was outright denied and I got no notification of a HP from any of the three bureaus (they’re a TU puller normally right?)

---

I believe for banking accounts they do a SP. Are any of your CRA frozen?

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Experian is frozen because it’s a whole thing to unfreeze Experian and nobody pulls them — but I just looked and Experian is actually what they pull in Colorado (4 out of 4 on DoC). When I get the letters I’ll update if it was due to Experian being frozen or previous relationship. I will honestly be amazed if they actually tried to pull me although if they did, I will be thrilled that I have a chance because it changes my garden goals. 

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I bet they tried to pull Experian and you had it on freeze.

[Anonymous]

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@sjt wrote:

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@Anonymous wrote:

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@sjt wrote:

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@Anonymous wrote:
I have to wait for the letters in the mail obviously but the checking was outright denied and I got no notification of a HP from any of the three bureaus (they’re a TU puller normally right?)

---

I believe for banking accounts they do a SP. Are any of your CRA frozen?

---

Experian is frozen because it’s a whole thing to unfreeze Experian and nobody pulls them — but I just looked and Experian is actually what they pull in Colorado (4 out of 4 on DoC). When I get the letters I’ll update if it was due to Experian being frozen or previous relationship. I will honestly be amazed if they actually tried to pull me although if they did, I will be thrilled that I have a chance because it changes my garden goals. 

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I bet they tried to pull Experian and you had it on freeze.

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I’ll keep the thread updated. I am not as confident as you are that it’s not going to be a previous relationship denial but I will be pleasantly surprised if it’s EX being frozen that caused it. Honestly if I get the gold checking and a credit card, I’ll leave my current bank and go back to US Bank in a heartbeat, I had an excellent relationship with them, just life hit. If it’s not a relationship denial I’ll try again in April.