GE and Synchrony Blacklist question?

[MRsolis]

I have a few low balance cards that were charged off from Synchrony bank and also a couple from GE. After doing some Google searching and MyFico forums search I am getting that if they do a hard pull on your credit but decline you then you are NOT on their blacklist but if they decline you and do not even check your report then you ARE on their blacklist....is this correct? Because I tried applying again for cards issued by those banks and was denied but I did receive a hard pull. I have never heard of blacklisting until I saw a post on MyFico about it and now it has me a bit worried. Thank you for the help

[Pway]

Yes I am on tht black list as well.  I burned they for a JC Penney card with a low bal around 250, and I have yet been able to get in with them.  I even tried the Walmart card and denied. 

I just don't understand, however, I will not waste any more hp on this bank.  Recent denial BP gas card.

[MRsolis]

This kind of worries me because those bank control a lot of in store financing deals that are somtimes useful. I plan on paying all of my debts with them in full but what good will it do if they keep me on their black list....is there anyway to find out for sure? Like a number to call?

[Pway]

NO there is not a phone number to call for sure.  I have just given up on that bank all together.  I have just come to the conclusion that I will just use my Visa or MC at those stores.  I will not waste another HP for this bank.

[MRsolis]

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@Pway wrote:

NO there is not a phone number to call for sure.  I have just given up on that bank all together.  I have just come to the conclusion that I will just use my Visa or MC at those stores.  I will not waste another HP for this bank.

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Wow thank you for the information. One more thing...do you have any Charge Offs from them showing on your credit report? I thought maybe it was because the Charge Offs are still showing on my credit. Comenity, Citi, and Chase store cards have approved me without a problem...heck even Capital One approved me for a Secured card even though I still have an active chargeoff from them.

[Pway]

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@MRsolis wrote:

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@Pway wrote:

NO there is not a phone number to call for sure.  I have just given up on that bank all together.  I have just come to the conclusion that I will just use my Visa or MC at those stores.  I will not waste another HP for this bank.

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Wow thank you for the information. One more thing...do you have any Charge Offs from them showing on your credit report? I thought maybe it was because the Charge Offs are still showing on my credit. Comenity, Citi, and Chase store cards have approved me without a problem...heck even Capital One approved me for a Secured card even though I still have an active chargeoff from them.

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I included them in bk for about 250, but that was my only account with them.  I have gotten in with other like Comenity, Capital One and Barclays. 

[lamplight2012]

Does anyone know how long you're on the blacklist?

I had a PayPal credit card(GE Capital) back in 2006, and was later Charged Off.

[Anonymous]

I had a c/o sams club card with a 1500 balance back in ~2008 , i got approved for a wm card and paypal card last week.... so i guess the blacklist is not permanent

[Anonymous]

I have a carecredit charge off for around 650 from October 2011 and was approved for lowes last november. so i dunno if there is a black list or if it's a small time frame