Do Credit Card Companies Have Black Lists?
Author: arahad06
Posted: Thu Apr 27, 2006 1:04 pm
Post subject: blacklists
so i have heard about cc companies like AMEX CITI CHASE blacklists people with negatives in credit report...
if that negative is deleted through a dispute, do they still blacklist you?
what happens?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: fitz75
Posted: Thu Apr 27, 2006 2:29 pm
Post subject: Do Credit Card Companies Have Black Lists?
Since I have seen people saying that AMEX never forgets I would assume the blacklist is an internal list. In order to get off of it you will have to pay your default.
Author: arahad06
Posted: Thu Apr 27, 2006 2:33 pm
Post subject: Do Credit Card Companies Have Black Lists?
well i never had an AMEX but i want to get one when my score goes up...
though i have 2 negatives (30, 60 days late)
i have a chase card but with a limit of 300
....
will i get accepted after my score is over 700? or no?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: fenster
Posted: Thu Apr 27, 2006 2:58 pm
Post subject: Do Credit Card Companies Have Black Lists?
I had a less than stellar relationship with Amex back in my BK days. Nevertheless, they recently mailed me several pre-approved offers. A bluff or forgiving new interest? Didn't wanna find out and never replied.
Author: TomfromCT
Posted: Thu Apr 27, 2006 3:01 pm
Post subject:
[quote="fenster"]I had a less than stellar relationship with Amex back in my BK days. Nevertheless, they recently mailed me several pre-approved offers. A bluff or forgiving new interest? Didn't wanna find out and never replied.[/quote]
Fens,
If you still owe amex money...they remember. They don;t sell off bad debt. They just wait.
They do blacklist. If they have sent you a pre approved offer......you apply online, you will likely be approved. THEN and sometimes just after you get the card, they will kill the approval and bring up the charge-off.
The only way back in is to pay them the charged off amount.
Author: moniqueclaire
Posted: Thu Apr 27, 2006 3:04 pm
Post subject: Amex
Hi:
I hear that you can get an AMEX pretty easily if you are a new customer despite dings. I have a friend who went through a BK and got this card like 2 yrs later but never had an AMEX before.
On the other hand , if you have had an account before and screwed up
(i.e. late payments, default) then the AMEX beast never forgets, I had done that like 14years ago, paid it off 6yrs ago and still they will not give me another chance.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Thu Apr 27, 2006 1:04 pm
Post subject: blacklists
so i have heard about cc companies like AMEX CITI CHASE blacklists people with negatives in credit report...
if that negative is deleted through a dispute, do they still blacklist you?
what happens?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: fitz75
Posted: Thu Apr 27, 2006 2:29 pm
Post subject: Do Credit Card Companies Have Black Lists?
Since I have seen people saying that AMEX never forgets I would assume the blacklist is an internal list. In order to get off of it you will have to pay your default.
Author: arahad06
Posted: Thu Apr 27, 2006 2:33 pm
Post subject: Do Credit Card Companies Have Black Lists?
well i never had an AMEX but i want to get one when my score goes up...
though i have 2 negatives (30, 60 days late)
i have a chase card but with a limit of 300
....
will i get accepted after my score is over 700? or no?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: fenster
Posted: Thu Apr 27, 2006 2:58 pm
Post subject: Do Credit Card Companies Have Black Lists?
I had a less than stellar relationship with Amex back in my BK days. Nevertheless, they recently mailed me several pre-approved offers. A bluff or forgiving new interest? Didn't wanna find out and never replied.
Author: TomfromCT
Posted: Thu Apr 27, 2006 3:01 pm
Post subject:
[quote="fenster"]I had a less than stellar relationship with Amex back in my BK days. Nevertheless, they recently mailed me several pre-approved offers. A bluff or forgiving new interest? Didn't wanna find out and never replied.[/quote]
Fens,
If you still owe amex money...they remember. They don;t sell off bad debt. They just wait.
They do blacklist. If they have sent you a pre approved offer......you apply online, you will likely be approved. THEN and sometimes just after you get the card, they will kill the approval and bring up the charge-off.
The only way back in is to pay them the charged off amount.
Author: moniqueclaire
Posted: Thu Apr 27, 2006 3:04 pm
Post subject: Amex
Hi:
I hear that you can get an AMEX pretty easily if you are a new customer despite dings. I have a friend who went through a BK and got this card like 2 yrs later but never had an AMEX before.
On the other hand , if you have had an account before and screwed up
(i.e. late payments, default) then the AMEX beast never forgets, I had done that like 14years ago, paid it off 6yrs ago and still they will not give me another chance.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 8:24 PM
0 Comments:
Post a Comment
<< Home