Discussion in 'Credit Talk' started by humblemarc, Oct 17, 2002.

  1. humblemarc

    humblemarc Well-Known Member

    Upon Nave's suggestion. I'm starting a thread about which CC's do/don't blacklist you for chargeoffs, bankruptcy, how long, if ever, before they let you back on, etc.
    Please list which one's you know of, so that it can be added to the Faqs page.

  2. BigH

    BigH Guest

    Citibank 10yrs post B
    Sears - Forever
    Amex 7yrs, Charge Credit?

    This is my experience only. Others may differ.

  3. sirrowan

    sirrowan Well-Known Member

    You mean I can never have a Sears card again?
  4. LisaMc

    LisaMc Well-Known Member

    Retailers National Bank Visa
    Target Guest Card
  5. mark

    mark Well-Known Member

    sears will blacklist you forever if you had a chargeoff with them?
    Would'nt it be hard to add specific cards to a list since we really don't know 'for sure' that they really blacklist people?
  6. jrjr35

    jrjr35 Well-Known Member

    I think we should black list sears.
  7. Hermit5

    Hermit5 Well-Known Member

    Yes. Except for their Craftsman tools.
  8. humblemarc

    humblemarc Well-Known Member

    okay, so Sears is on the list.
    Amex as well.
  9. LisaMc

    LisaMc Well-Known Member

    It seems Amex does that, but I know, as a living breathing bankrupt AMEX cardholder example, that they do not drop you when you file for bk necessarily. I didn't owe them anything, so they weren't included or even notified. They do, however, know because they pulled a credit report in error over a year ago.
  10. dep_tx

    dep_tx Well-Known Member

    RNB will black list you until you pay the charge off account then you can reapply in 90 days and will have been removed from the "black list"
  11. humblemarc

    humblemarc Well-Known Member

    anyone else
  12. kerry

    kerry Well-Known Member

    I think Chase Manhatten has a blacklist and we are on it. Also, B of A. Over 5 years since our Chap 7 BK
  13. AustinGuy

    AustinGuy Well-Known Member

    Am an ex of AMEX after they charged off my green card in 1985. "Preapproved" was denied in 2002 because of it.
  14. azur24

    azur24 Well-Known Member

    I had a Mervyn's card (RNB), and I applied for a Target card online. I was INSTANTLY denied, and they happily sent a collection letter and added the account back to my TU report on October 1st. How sweet of them! ESPECIALLY since it was over 7 years old.

    Disputed with TU (still under investigation), the rep I talked to told me they were going to remove it regardless in December.
  15. coralreef

    coralreef Well-Known Member

    even their tools, their ratchets suck and they won't replace them anymore :((( you get new innards that you have to replace yourself :((((

    cor cor
  16. Hermit5

    Hermit5 Well-Known Member

    Oh, I didn't know about that. OK Sears is out.
  17. scatterman

    scatterman Member

    What exactly qualifies one for a blacklist? I entered into a payment plan with my old Amex back in 98 or so. The account wasn't ever late and at the time I didn't realize that Amex would close the account when I did so. I paid it off quickly and haven't thought about it since really. So, would that blacklist me if I ever wanted to apply for an Amex in the future (ie a notation "closed by creditor" even though records should show I paid on time)?

    Or does a blacklist typically result from a BK or charge off only?

  18. humblemarc

    humblemarc Well-Known Member

    Anyone know about Fleet, Chase, Citibank, Citionline, MBNA, Bank of America, etc, etc.?
  19. webber

    webber Member

    Drop Target guest card from list. I had chapter 7 in July 2000, recieved Target card in June 2002.
  20. rblues

    rblues Well-Known Member

    Definitely Citibank... and Sears has a memory like an elephant.

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