Have you received new credit from banks that previously took AA against you ????

Anyone up for starting a discussion that talks about banks that gave out credit to applicants that received prior adverse action?

I think there are a bunch of us that will be doing second round of AORs and it would help to get some databits on this. I know for a fact that if I will be getting instant declines from Citi on my next AOR, I will most definitely be changing my AOR strategy (probably going more aggressive).

For instance Citi has taken AA against a bunch of us by closing accounts (including me). Has anyone successfully applied for a new card with Citi after AA and got approved? If so how long did you wait after the AA to apply?

Some people say Citi will block out your SSN if they take AA and you have to get them to reopen a former card. However I called them and they told me they can't reopen cards that were closed 60 days after AA. So I don't see how they can maintain a block on your SSN if their policy says they can only re-open accounts that were closed within 60 days.

I know banks like Chase love to take AA as well (lowering limits). Anyone get new credit with Chase after some AA?

Feel free to use the quick summary to add data points. If anyone can think of a better title for the thread I am open to changing it.

this dude waited a year before successfully reapplying after AA from Citi.

some people: MikeR397's comments

I have rec. new credit from both Chase and Bofa after AA....I did remember waiting 6 months, though...some in the chase gave me the boot thread indicated getting a letter saying "previous unsatisfactory relationship" but not sure how long waited...

I got a new AM.EX 5 months after they closed all my accounts. The rep at the trade show acted like it was no big deal. But he was on commissions and really was pushing the card.

OT: He gets a second commission at the 12-month mark if I keep it.

lhendricks92 said: DjPiLL said: I remember when I was talking to a credit specialist back in December she said it would probably be best to wait at least six months before applying for new credit. But she really didn't know.
It's been 4 months since I experienced Citi's wrath, and my latest app received this response:

Unfortunately, we are unable to approve the application at this time because: The credit privileges on your existing account(s) are currently restricted.

So, even though I was able to get a key line restored back in May, apparently I'm still on the naughty list.

Was this an instant decline? And did they pull a report for this application?

Why did you apply for a new card? New AOR?

My AA was back in December so maybe 9-10 months since will help.

DjPiLL said:
Was this an instant decline? And did they pull a report for this application?

Why did you apply for a new card? New AOR?

My AA was back in December so maybe 9-10 months since will help.

Not an AOR - one new CashReturns app, deferred. Hard pull on EQ, rejection email 2 days later.

lhendricks92 said: DjPiLL said: Also can you call them and see if you can speak to a credit ninja in new apps to see what they have to say about this? When I spoke to credit management, they said I could just reapply to see if I could get another card. But they did say it's probably best to wait at least six months.

I would think it's credit management that could get you off the sh*t list, but we'll see. I haven't started making phone calls yet.

See I asked a credit management supervisor this and she claimed there was "no list". Or at least she said I wasn't on any list. She said to reapply and deal with applications if I had any problems.

I hate conflicting information. Why don't you try calling applications and see what they say. Maybe they will transfer you to credit management if there isn't anything they can do.

Last year I took out a BT from Juniper on the National National Park CC on a 0% offer. I had an initial credit line of $7500. I took out %6000 out on BT. They immediately sent me a letter like 3 weeks after I did the BT and said they were lowering my line to $6100. Then when I paid back the BT they sent me a letter saying they were lowering my line to $1000. I recently applied for the I Fly America card from Juniper and was accepted and given an initial credit line of $5000. I am hoping upon activation to be able to increase my credit line. Has anyone else had this happen to them with Juniper?

Edited to add:
There was a 15 month span between when I took out the National Forest Card and the I Fly card.

I don't have any experience re-applying after AA closed accounts, but after getting denied for a CLI from Discover they say you must wait 6 months before attempting again. From the sounds of it this 6 month wait may be the magic number with Citi in getting off their 'blackball' list, if one indeed does exist, which it sounds like one does.

Well discover doesn't black list.

back in my debt days. I had a dicover card, that I stopped paying off. Hit the credit limit, over the limit fees, late fees, etc etc.

when I started fixing my life, I paid discover off. credit is better now, and last month got a discover more card with 8k limit.

michal1980 said: Well discover doesn't black list.

back in my debt days. I had a dicover card, that I stopped paying off. Hit the credit limit, over the limit fees, late fees, etc etc.

when I started fixing my life, I paid discover off. credit is better now, and last month got a discover more card with 8k limit.

Discover has changed ownership at least twice in the last two decades. The company that approved you may not have been the company you torqued, even though having the same name.