Has anyone been ever approved for a citi or chase card after bk'ing them? I heard those two are the only ones that never forgive or forget.
Unless you are an Authorized User on someone elses card it is extremely difficult to get back in good graces with Citi/Chase. That is unless you eventually pay them back later on. (Whether is was a bk 7 or charge-off) You can also add Amex to that "Elephant's Memory" list.
Apply for both. That's the only way to tell whether you're still on the blacklist. If you're on it, they won't pull a report. Also, it appears that Citibank USA doesn't use Citibank (SD)'s blacklist, so you can get one of their cards if you're otherwise eligible. Saar
