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The Master Blacklist Black List Thread – Work In Progress, Help Needed


BobWang
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GECRB approved me about 1 year after IIB. Cap 1 about 2 years, but I did not try sooner. Anyone have experience with Macy's? via Tapatalk 2

I heard Macy's is a hard one to pull off

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GECRB approved me about 1 year after IIB.

 

Cap 1 about 2 years, but I did not try sooner.

 

Anyone have experience with Macy's?

 

 

 

via Tapatalk 2

I IIB Macy's and tried for a card like five years after BK and was denied for IIB...haven't tried since.

 

Also forgot to add I was approved for Cap One about 6 months post BK after IIB.

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American Express = 10 yrs

Barclays = 6 yrs (IIB)

BofA/FIA = 9 yrs (IIB)

Capital One = 6 mths (IIB), or > 9 yrs

Chase = 6 yrs (CO), 4-9 yrs (IIB)

Citi = 3 yrs (Retail), 7 yrs (CO), 9-10 yrs (IIB)
Discover = 5-6 yrs (Joint Card), 9 yrs (Individual Card)
GECRB = 2 yrs

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GECRB approved me about 1 year after IIB.

Cap 1 about 2 years, but I did not try sooner.

Anyone have experience with Macy's?

via Tapatalk 2

 

I IIB Macy's and tried for a card like five years after BK and was denied for IIB...haven't tried since.

Also forgot to add I was approved for Cap One about 6 months post BK after IIB.

 

That's kinda what I was afraid of..

 

 

 

via Tapatalk 2

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With Amex you are on the blacklist until you pay the outstanding balance in full.

 

My question is if you are willing to pay the balance on co accounts from Chase or Citibank will they remove you from the blacklist even if they sold the account to a JDB

NOT true. A friend burned them on 7 accounts in the 90's and now has 3 accounts with them and didn't pay a penny. YMMV

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Oddly, I wasn't blacklisted by Cap One. I not only have the Cap One but Best Buy which they now own as well.

They own Best Buy for just a little while longer. Citibank is taking over Best Buy credit cards. For anyone who doesn't know that yet. Very anxious to see what Citibank will do to all the people who BURNED Citibank. Will they

1) let them keep their BBRZ cards and NEVER CLI them OR

2) Cancel the cards completely OR

3) just be Business as Usual (Which i'm very much Hoping)

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  • 3 months later...

With Amex you are on the blacklist until you pay the outstanding balance in full.

 

My question is if you are willing to pay the balance on co accounts from Chase or Citibank will they remove you from the blacklist even if they sold the account to a JDB

Not TRUE at all. I know lots of people who had CO and IIB that got AMEX again. Including myself. I have 4 accounts now all backdated to 1987 :) so I can attest that you don't "Have" to pay them back in order to get another card with them.

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With Amex you are on the blacklist until you pay the outstanding balance in full.

 

My question is if you are willing to pay the balance on co accounts from Chase or Citibank will they remove you from the blacklist even if they sold the account to a JDB

NOT true. A friend burned them on 7 accounts in the 90's and now has 3 accounts with them and didn't pay a penny. YMMV

HI,

 

I have heard as well that people get Amex after they CO or BK them, but I still think that its more of an exception then the rule. Also, Im thinking there might be some sort of threashold (say more then a $1000) where they place you on a indefinate blacklist.

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With Amex you are on the blacklist until you pay the outstanding balance in full.

 

My question is if you are willing to pay the balance on co accounts from Chase or Citibank will they remove you from the blacklist even if they sold the account to a JDB

NOT true. A friend burned them on 7 accounts in the 90's and now has 3 accounts with them and didn't pay a penny. YMMV

HI,

 

I have heard as well that people get Amex after they CO or BK them, but I still think that its more of an exception then the rule. Also, Im thinking there might be some sort of threashold (say more then a $1000) where they place you on a indefinate blacklist.

Well that "Threshold MUST be over $75 Thousand dollars which is the figure I left them holding in the 90's and they've been VERY good to me the past 3 years . Jut ended up getting my 4th card from them a BCE with a nice CL.

 

So I can attest that you don't stay on the BL forever. But not just based on me but several friends of mine. It just take time if you BK or CO them. that's all.

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Well that "Threshold MUST be over $75 Thousand dollars which is the figure I left them holding in the 90's and they've been VERY good to me the past 3 years . Jut ended up getting my 4th card from them a BCE with a nice CL.

 

So I can attest that you don't stay on the BL forever. But not just based on me but several friends of mine. It just take time if you BK or CO them. that's all.

 

 

There's hope for me yet =D

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  • 3 weeks later...

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