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

[CTSoxFan]

Time since IIBs:

 

Citi 9 years

Chase 4 years

Barclays 6 years

Discover 6 years for joint cardholder, 9 years for individual card

Amex - still on it

BOA/FIA - 9 years

[IOwe]

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

[minnie aubre]

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

[hrguy]

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

[CTSoxFan]

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.

[BobWang]

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

[minnie aubre]

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

[NorthCol]

Does PSECU blacklist?

[BobWang]

Does PSECU blacklist?

 

I would operate on the assumption that everybody blacklists.

 

Some issuers, like Cap One, can be especially lenient in the duration of being on the list.

[Art_Vandelay]

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

[Art_Vandelay]

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)

[brindle48]

Still on BofA after 10 years Cost me a HP the other day to find this out.

[BobWang]

[CTSoxFan]

Still on BofA after 10 years Cost me a HP the other day to find this out.

 

Did you try calling and asking for recon?

[Art_Vandelay]

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.

[MeatCatalog]

Chase has me blacklisted from a CO from 2005. I last applied for a chase freedom in dec 2012 making it at least 7.5 years.

[chugs102]

9 years later and I'm still on Chase's blacklist. They CLD my ChaMu accounts several years ago and have not given me an increase since.

[brindle48]

 

Still on BofA after 10 years Cost me a HP the other day to find this out.

 

Did you try calling and asking for recon?

That's how I found out they were holding a 2003 debt/CO against me.

[dvd]

 

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.

[dvd]

It seems like Chase and Citi are very inconsistent with their blacklisting.

 

Are the number of years that folks posted based on unpaid balances, paid accounts, or both?

[minnie aubre]

My Best Buy cards went from HSBC to Cap One to Citi, as Art mentioned above. Somehow I missed that memo and closed them when they were still with HSBC. I wonder now that they are with Citi, if I have any sort of chance??? I BK them in 2009

[Art_Vandelay]

 

 

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.

[chugs102]

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

[BobWang]

American Express = 10 yrs

Capital One = Lenient, or > 9 yrs

Chase = 6 yrs (CO), > 9 yrs (IIB)

Citi = 3 yrs (Retail), 7 yrs (CO), 10 yrs (IIB)

Discover = 5 yrs

GECRB = 2yrs

[atxn]

Thank you for the contributions to this thread! I have finally received an approval again from AMEX after about 10 years of waiting and rebuilding.

Edited October 19, 2013 by atxn