moosetracks Posted December 5, 2013 Posted December 5, 2013 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. Quote
BobWang Posted December 5, 2013 Author Posted December 5, 2013 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) Quote
shifter Posted December 11, 2013 Posted December 11, 2013 (edited) 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 Quote
MonaCK Posted December 27, 2013 Posted December 27, 2013 Has anyone had success with getting back into Discover Card's good graces after IIB? Do they accept pay offs? Quote
moosetracks Posted December 27, 2013 Posted December 27, 2013 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. Quote
PotO Posted December 28, 2013 Posted December 28, 2013 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. Quote
BobWang Posted December 28, 2013 Author Posted December 28, 2013 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 Quote
dvd Posted January 16, 2014 Posted January 16, 2014 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. Quote
moosetracks Posted January 16, 2014 Posted January 16, 2014 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. Quote
shifter Posted January 16, 2014 Posted January 16, 2014 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. Quote
BobWang Posted January 16, 2014 Author Posted January 16, 2014 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 Quote
FreeaAndClear Posted January 16, 2014 Posted January 16, 2014 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? Quote
shifter Posted January 16, 2014 Posted January 16, 2014 Correct maybe it should be noted that I settled. Quote
BobWang Posted January 16, 2014 Author Posted January 16, 2014 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 Quote
shifter Posted January 16, 2014 Posted January 16, 2014 Oh yeah I didn't try any apps between 2 and 6 years so quite possibly it's less than that. Quote
BobWang Posted January 16, 2014 Author Posted January 16, 2014 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 Quote
BobWang Posted January 16, 2014 Author Posted January 16, 2014 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. Quote
shifter Posted January 16, 2014 Posted January 16, 2014 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. Quote
BobWang Posted January 16, 2014 Author Posted January 16, 2014 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 Quote
FreeaAndClear Posted January 16, 2014 Posted January 16, 2014 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? Quote
shifter Posted January 16, 2014 Posted January 16, 2014 Had you already paid the settlement at 2 years? the settlement was paid within a couple of months of the CO. Quote
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