LKH/positive credit action itm list

Discussion in 'Credit Talk' started by Ender, Jan 14, 2002.

  1. Ender

    Ender Well-Known Member

    Hey LKH,

    Now that you are free of negative items on yoru report - in what order have you applied for cards and what were the limits? What # of inquiries have you gotten along the way?

    I plan to start applying for cards soon and building credit.. I was going to follow a lot of what Lizardking did and applying for similiar cards.. but I know I would probably be on the blacklist for citibank, amex, mbna, and discover..
     
  2. LKH

    LKH Well-Known Member

    I've only applied 2 times so far. I applied for the citi aa silver got automatice approval for $6500 then immediately applied for the gold aa and got automatice approval for 5000. Then I applied last Wed. night for the Target visa and auto approval for 1500. The card came today and I just called and got an increase of 1,000 before activating it.

    so, so far that's it.
     
  3. Ender

    Ender Well-Known Member

    Do u know if citibank has a blacklist or not? Perhaps I will try applying once I get 100% clear..
     
  4. LKH

    LKH Well-Known Member

    I have no idea. This is my first dealings with citi.
     
  5. mirabelle

    mirabelle Well-Known Member

    Yes, Citi has a blacklist...and I think it may last forever. My husband had a Citi CC before he filed bk in '93, so before it was charged off I am thinking the date of last activity was maybe 1992ish?? Don't know as I don't have the Cr. reports w/me. On a lark, he applied in late 2001, and got a response back that no, you can't get a Citi card due to previous card being included in BK or chargeoff. So they are retaining the internal records of the chargeoff longer than 8 or 9 years, I guess.

    I called anonymously and asked (the 301 number that has been posted here) and was told the blacklist can feasibly last forever on their internal records. Wow.
     
  6. fand123

    fand123 Well-Known Member

    I had a chargeoff with them as well in the early 90's and last month I got approved for 2 AA cards with 10K each. I am sure these blacklist exist but I am not sure how long they keep you it.
     
  7. Ender

    Ender Well-Known Member

    Perhaps this blacklist is only w/ the type of card you get? There are many different type of citi cards right?

    Also, when u get denied because of being in the blacklist, do you get hit with an inquiry too?
     
  8. mirabelle

    mirabelle Well-Known Member

    No, my husband didn't even get an inquiry with which to get a free CR! They just sent the "you had a previous bad acct. with us " letter very, very quickly.

    Makes you wonder if they ever purge it...he'd love to get back in Citi's good graces but we shall see.
     
  9. Ender

    Ender Well-Known Member

    I recall a posting of how Citibank has different cards.. one for airlines, one for Ford, etc. Does anyone remember that thread? That if u are on the blacklist for a specific one, then you can still get credit for another line?
     
  10. Ender

    Ender Well-Known Member

    .
     
  11. dfwgt

    dfwgt Well-Known Member

    Just curious - how does blacklist work? Is it only with bk's??

    Does it affect those cards that were closed by grantor (But were paid off)??

    Thanks for any help,

    GT
     
  12. Ender

    Ender Well-Known Member

    I think the blacklist is for anything that is a chargeoff..
     
  13. doodyhead

    doodyhead Well-Known Member

    Once again: CITI is evil. They will make every attempt to worsen your credit including listing multiple entries for your account on your credit report.
     
  14. Ender

    Ender Well-Known Member

    LK - Well, I guess I am doubly in trouble then.. cuz I had a chargeoff with Citi AND AT&T.
     
  15. bailey

    bailey Well-Known Member

    Citi seems to have a memory that goes back 10 years.
     

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