Do Citi & Chase blacklist

[bichonmom]

Thank you, Hauling. I actually found that thread last night when I did a search. I was hoping someone might have some current info about these 2 creditors, specifically.

[HoldingOntoHope]

I had two Citi backed cards that went south and charged off back in 2000 - 2001. Just apped and was approved for Citi Diamond Preferred in August 2011. So in my experience the Citi blacklist is no more than 10 years. Don't know if it made a difference but the app was with a mailed pre-approve offer and an invitation code.

You may want to opt in and see if Citi sends you an offer at some point. Or if you can afford a single inquiry just find the offer you want and give it a shot. Twenty years should be long enough. FYI, my total charges on two cards were only about 2K when they charged off.

[Anonymous]

---

@HoldingOntoHope wrote:

I had two Citi backed cards that went south and charged off back in 2000 - 2001. Just apped and was approved for Citi Diamond Preferred in August 2011. So in my experience the Citi blacklist is no more than 10 years. Don't know if it made a difference but the app was with a mailed pre-approve offer and an invitation code.

You may want to opt in and see if Citi sends you an offer at some point. Or if you can afford a single inquiry just find the offer you want and give it a shot. Twenty years should be long enough. FYI, my total charges on two cards were only about 2K when they charged off.

---

I was in a similar situation.  I defaulted on my Chase and Citi cards around 2001.  I apped in 2010 for a Chase-backed card and was denied, but a few weeks ago, I apped for both the Citi Platinum Select and Chase Freedom and was approved for both.  I think the 10 year blacklist sounds about right.

[bichonmom]

Thank you both! You've given me a glimmer of hope. I think I'll wait until the spring, when I'll have had my Cap Ones for 1 year and re-opt-in, and see if I get any pre-approved offers.

[Anonymous]

---

@Anonymous wrote:

---

@HoldingOntoHope wrote:

I had two Citi backed cards that went south and charged off back in 2000 - 2001. Just apped and was approved for Citi Diamond Preferred in August 2011. So in my experience the Citi blacklist is no more than 10 years. Don't know if it made a difference but the app was with a mailed pre-approve offer and an invitation code.

You may want to opt in and see if Citi sends you an offer at some point. Or if you can afford a single inquiry just find the offer you want and give it a shot. Twenty years should be long enough. FYI, my total charges on two cards were only about 2K when they charged off.

---

I was in a similar situation.  I defaulted on my Chase and Citi cards around 2001.  I apped in 2010 for a Chase-backed card and was denied, but a few weeks ago, I apped for both the Citi Platinum Select and Chase Freedom and was approved for both.  I think the 10 year blacklist sounds about right.

---

The 10 years blacklist thing starts from the day of CO or the date it opened? I too have citi & chase CO.... would like to get them back badly lol

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@HoldingOntoHope wrote:

I had two Citi backed cards that went south and charged off back in 2000 - 2001. Just apped and was approved for Citi Diamond Preferred in August 2011. So in my experience the Citi blacklist is no more than 10 years. Don't know if it made a difference but the app was with a mailed pre-approve offer and an invitation code.

You may want to opt in and see if Citi sends you an offer at some point. Or if you can afford a single inquiry just find the offer you want and give it a shot. Twenty years should be long enough. FYI, my total charges on two cards were only about 2K when they charged off.

---

I was in a similar situation.  I defaulted on my Chase and Citi cards around 2001.  I apped in 2010 for a Chase-backed card and was denied, but a few weeks ago, I apped for both the Citi Platinum Select and Chase Freedom and was approved for both.  I think the 10 year blacklist sounds about right.

---

The 10 years blacklist thing starts from the day of CO or the date it opened? I too have citi & chase CO.... would like to get them back badly lol

---

For me, it was when they went delinquent, so sometime in early 2001 (they were opened in the 90's).  When did yours go delinquent?

[mxp114]

7-10 years sounds about right. From what I understand, they will simply instantly decline if you're blacklisted so it can't hurt to try at the 7 year mark. I'm curious, does someone exist that has CO/BK accounts with Citi/Chase/AmEx/Discover/BofA/US Bank/CapOne/HSBC? Are they basically doomed for 20 years? (BK+10 year blacklist)? Sounds like a terrible situation to be in.

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

---

@HoldingOntoHope wrote:

I had two Citi backed cards that went south and charged off back in 2000 - 2001. Just apped and was approved for Citi Diamond Preferred in August 2011. So in my experience the Citi blacklist is no more than 10 years. Don't know if it made a difference but the app was with a mailed pre-approve offer and an invitation code.

You may want to opt in and see if Citi sends you an offer at some point. Or if you can afford a single inquiry just find the offer you want and give it a shot. Twenty years should be long enough. FYI, my total charges on two cards were only about 2K when they charged off.

---

I was in a similar situation.  I defaulted on my Chase and Citi cards around 2001.  I apped in 2010 for a Chase-backed card and was denied, but a few weeks ago, I apped for both the Citi Platinum Select and Chase Freedom and was approved for both.  I think the 10 year blacklist sounds about right.

---

The 10 years blacklist thing starts from the day of CO or the date it opened? I too have citi & chase CO.... would like to get them back badly lol

---

For me, it was when they went delinquent, so sometime in early 2001 (they were opened in the 90's).  When did yours go delinquent?

---

delinquent = 1st 30 days late lead to CO right? chase is sept 2004, but i don't know about citi, since the citi account already dropped off from my report(5 yrs, live in NY). how can i find that out?

[HoldingOntoHope]

Vex, understand that this is just our personal experience and we do not have access to either Citi or Chase policies. In my case I don't even know the exact month the cards went negative or were charged off. And I did not keep a timeline that said OK it's been 8 years or 10 years I can try now.

I didn't apply with Citi over the years because I just assumed they would remember. And I hadn't even found these forums to get any education. I did apply after getting numerous pre-selected invites from Citi and deciding my current credit profile would likely meet their criteria as described by other members successes. I was fully prepared for them to say "No way Holding... We still remember you."

[learnin113]

They both blacklist!

Citi, will consider with some prompting (the written method usually works)

Chase is unforgiving and spiteful (clearly I hate Chase)