Creditors than YOU have blacklisted?!

[baller4life]

Barclays. I'll never app another one. Way too finicky and paranoid for my liking.

[Imhotrodcrazy]

US Bank

[Anonymous]

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@baller4life wrote:
Barclays. I'll never app another one. Way too finicky and paranoid for my liking.

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Same. I've applied for their cards literally over a dozen times throughout the years and have been denied every time. And the few times I called for a recon, they were pleasant but in retrospect also a bit condescending/patronizing. Really wanted the Sallie Mae for a long time, but with my BCP, Sams Club MC, and Amazon store card, there's no point.

[Anonymous]

Yeah I agree with hauling everyone I can from those and payday loan sharks.

Funny thing is I bank and carry USAA auto insurance but they won't give me a credit card even though we have three other major cards, a mortgagage and steady generous income. Maybe I should move my business to NFCU and GEICO . . .

[Anonymous]

I may be the only one but there are soooooo many creditors I wouldn't do business with, not that they're blacklisted so much as I tend to be very picky about who I do business with.

On my short list of go-to would have been citi and Amex, because I already know them from my parents relationship (and than having me as an AU) with them.

Capital one screwed my sister over so I never really tried them out...

I was hesitant of chase for so long because it's chase. sounds bad but yeah... I got over that after having banked with them for a few years, they're not really known on the west coast (relatively new the past decade).

I'm not one to try something because I tend to be in the group of "if it sounds too good to be true"...

[Anonymous]

Canadian-In-Seattle - what is the deal with Cap1? Sure don't understand their thinking!

[Anonymous]

I don't blacklist based off a specific company, if they fill a need I use it.  I had a Credit One account for a year just starting out, and a Fingerhut account.  I canceled Credit One and Fingerhut remains unused.  

[Anonymous]

How do you find out if a creditor has you blacklisted?

[gdale6]

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@Anonymous wrote:

How do you find out if a creditor has you blacklisted?

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By apping for their services and see if you are immed denied without a credit pull.

[Thomas_Thumb]

Chase - I had a credit card with them for 20 years that I closed 10 years ago. Recently decided I wanted "to re-activate" a credit card with them and asked if they would back date it to1986.

They said no go. So its the Blacklist for Chase. Other than a back dated CC, there is no benefit to me in having Chase as a creditor.

P.S. A poster here mentioned opening a few AMEX cards and successfully having them back date the cards to the mid 80's. Impressive accomplishment!