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

[moosetracks]

For your project Bob, just declined for Citi Dividend card for a card I BK in 1996, its only reason app was declined. Almost 18 yrs ago now.

[BobWang]

American Express = 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 8-9.5 yrs

Barclays = 3.5 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 2yrs

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

[shifter]

I had a Chase CO for 5k about 7 years ago. I tried unsuccessfully to apply for a new Chase card back a couple of years ago. I was approved for a Chase Slate this week.

 

I had an Amex CO around the same time for 35k. I was declined for any Amex a couple of years ago, but I was able to get approved for an Amex corporate card with a 15k CL last year. I haven't tried for a personal card from them yet, so that may be different.

Edited December 11, 2013 by shifter

[MonaCK]

Has anyone had success with getting back into Discover Card's good graces after IIB? Do they accept pay offs?

[moosetracks]

Has anyone had success with getting back into Discover Card's good graces after IIB? Do they accept pay offs?

 

I IIB Discover in 1996, wasn't an issue in getting a new card from them in 2012. This app was my first attempt since IIB.

[PotO]

I'm surprised nobody has mentioned USAA or Navy Federal Credit Union.

 

Brother-in-law stiffed them both about 17 years ago and to this day they refuse to let him open any type of account except for a simple savings account. They will not give him online access for his savings account.

 

HSBC also blacklists. About 20 years ago I had an issue with CompUSA and refused to pay my CompUSA credit account because they would not accept the return of a defective notebook computer which arrived DOA. They never dinged my credit reports. HSBC bought CompUSA's credit operations and to this day when I app for an HSBC credit card I get the "previous unsatisfactory account" crap.

[BobWang]

American Express = 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 8-9.5 yrs

Barclays = 3.5 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 2 yrs

HSBC = >20 yrs

NFCU = >17 yrs

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

USAA = >17 yrs

[dvd]

For your project Bob, just declined for Citi Dividend card for a card I BK in 1996, its only reason app was declined. Almost 18 yrs ago now.

 

Call for a recon.

[moosetracks]

 

For your project Bob, just declined for Citi Dividend card for a card I BK in 1996, its only reason app was declined. Almost 18 yrs ago now.

 

Call for a recon

 

Did so previous to posting, 3 considerations of the app to be exact all the way to the EO.

[shifter]

Should note that with amex they seem to have different lists. I was on the blacklist for a while for a CO but off after 6 years.

[BobWang]

American Express = 6yrs CO, 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 8-9.5 yrs

Barclays = 3.5 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 2 yrs

HSBC = >20 yrs

NFCU = >17 yrs

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

USAA = >17 yrs

[FreeaAndClear]

Should note that with amex they seem to have different lists. I was on the blacklist for a while for a CO but off after 6 years.

But you settled, right? Maybe that changes the metric?

[shifter]

Correct maybe it should be noted that I settled.

[BobWang]

American Express = 6yrs settled CO, 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 8-9.5 yrs

Barclays = 3.5 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 2 yrs

HSBC = >20 yrs

NFCU = >17 yrs

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

USAA = >17 yrs

[BobWang]

Anything else I should know?

[shifter]

Oh yeah I didn't try any apps between 2 and 6 years so quite possibly it's less than that.

[BobWang]

American Express = <= 6yrs settled CO, 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 8-9.5 yrs

Barclays = 3.5 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 2 yrs

HSBC = >20 yrs

NFCU = >17 yrs

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

USAA = >17 yrs

[BobWang]

Oh yeah I didn't try any apps between 2 and 6 years so quite possibly it's less than that.

Did you try to get back with AmEx before 2 years?

 

If so, I'll need to note 2 yrs as a hard limit.

[shifter]

lol.

[shifter]

 

 

Oh yeah I didn't try any apps between 2 and 6 years so quite possibly it's less than that.

Did you try to get back with AmEx before 2 years?

 

If so, I'll need to note 2 yrs as a hard limit.

Yes I tried at 2 years.

[BobWang]

American Express = 2<x<= 6 yrs settled CO, 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 8-9.5 yrs

Barclays = 3.5 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 2 yrs

HSBC = >20 yrs

NFCU = >17 yrs

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

USAA = >17 yrs

[FreeaAndClear]

 

 

Oh yeah I didn't try any apps between 2 and 6 years so quite possibly it's less than that.

Did you try to get back with AmEx before 2 years?

 

If so, I'll need to note 2 yrs as a hard limit.

Yes I tried at 2 years.

Had you already paid the settlement at 2 years?

[BobWang]

I'm a gonna run outta symbols.

[chugs102]

solve for x.

[shifter]

Had you already paid the settlement at 2 years?

the settlement was paid within a couple of months of the CO.