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-   -   2022 Shutdown Thread (https://www.flyertalk.com/forum/manufactured-spending/2064123-2022-shutdown-thread.html)

Andy2 Mar 3, 2022 5:56 pm


Originally Posted by zeppoloveskafka (Post 34043121)
I believe my B of A ban is beyond 7 years at this point. I just try and open a credit card every year or two and see what happens.

I got a letter from Barclays after some applications (following a closure) stating that my application would not be considered, and no credit check was run, due to the past closure. I received a letter for each failed application.

Hypothetical question. With no credit check, if such a person applied every day, would they be more likely to approve a card to avoid the daily cost of a stamp? Or less likely to ever approve another card?

radonc1 Mar 3, 2022 7:18 pm


Originally Posted by Andy2 (Post 34043488)
I got a letter from Barclays after some applications (following a closure) stating that my application would not be considered, and no credit check was run, due to the past closure. I received a letter for each failed application.

Hypothetical question. With no credit check, if such a person applied every day, would they be more likely to approve a card to avoid the daily cost of a stamp? Or less likely to ever approve another card?

Anyone who would make a pain of themselves like that would probably be on a bank's naughty list forever :(

zeppoloveskafka Mar 3, 2022 8:11 pm


Originally Posted by Andy2 (Post 34043488)
I got a letter from Barclays after some applications (following a closure) stating that my application would not be considered, and no credit check was run, due to the past closure. I received a letter for each failed application.

Hypothetical question. With no credit check, if such a person applied every day, would they be more likely to approve a card to avoid the daily cost of a stamp? Or less likely to ever approve another card?

I do not think they would approve you for a card to save the cost of a stamp. As somebody that just had the IRS visit them (see other thread) I wouldn't recommend unnecessarily antagonizing a bank.

sowhatwegetdrunk Mar 13, 2022 6:36 pm

Any DP on cap one bans? Are they for a long time?

anagoree Mar 22, 2022 5:58 pm

Does anybody know if Citi has a sunset provision after banning for MSing? After how many years they may let you back in?

littlewinglet Mar 22, 2022 8:17 pm


Originally Posted by anagoree (Post 34098237)
Does anybody know if Citi has a sunset provision after banning for MSing? After how many years they may let you back in?

I'll give you a DP in about 4 years :) Weird thing is I'm inundated by their mailers inviting me to apply for this or that card. That started a year ago, and I was banned I think in late 2019 or early 2020.

Orochimaru Mar 23, 2022 5:04 am

You can forget about Citi ever forgiving you once you're blacklisted. After 3-4 years of being banned by them, I was added to my spouse's CC as supplemental user but they sent her a letter about a few weeks later identifying me as someone they blacklisted. Good news is that they didn't ban her yet but bad news is that at least I know now that my ban is somewhat permanent despite the fact that they still send me promo mails to sign up for their cards.

I can see for miles Mar 23, 2022 6:39 am


Originally Posted by anagoree (Post 34098237)
Does anybody know if Citi has a sunset provision after banning for MSing? After how many years they may let you back in?

After seven years following a CC shutdown my Citi CC applications were approved again.

MaxVO Mar 23, 2022 9:36 am


Originally Posted by Orochimaru (Post 34099261)
... I know now that my ban is somewhat permanent ...

Could you share what was your offense that earned you such permanent ban?

I can see for miles Mar 23, 2022 3:33 pm

Heavy MS on the long-departed Citi 5X card.

radonc1 Mar 23, 2022 5:38 pm


Originally Posted by I can see for miles (Post 34099427)
After seven years following a CC shutdown my Citi CC applications were approved again.

Can you tell us how recently your approval was.

The reason I ask is that there are many DPs out there, especially in the Chase thread, where people who were once banned thought that they have achieved reinstatement and were in fact shut down weeks and months after the approval.

It often takes big banks that can't fail a long time to connect the dots between past shut downs and current activity.

littlewinglet Mar 23, 2022 8:02 pm


Originally Posted by radonc1 (Post 34101191)
Can you tell us how recently your approval was.

The reason I ask is that there are many DPs out there, especially in the Chase thread, where people who were once banned thought that they have achieved reinstatement and were in fact shut down weeks and months after the approval.

It often takes big banks that can't fail a long time to connect the dots between past shut downs and current activity.

Chase seems to have different degrees of shutdown. That's anecdotal evidence that most Chase shutdowns seem to happen due to bustout risk / too much rampup of spending. It's not usually a spite shutdown for MS. Many of those ppl typically get back in pretty quickly, or within a few years.

I can see for miles Mar 24, 2022 9:36 am


Originally Posted by radonc1 (Post 34101191)
Can you tell us how recently your approval was.

The reason I ask is that there are many DPs out there, especially in the Chase thread, where people who were once banned thought that they have achieved reinstatement and were in fact shut down weeks and months after the approval.

It often takes big banks that can't fail a long time to connect the dots between past shut downs and current activity.

Been more than 18 months, and been approved for a Citi personal AA and a Citi biz AA card. In my experience Chase and CapOne are the only major CC issuers that may approve you for a card post-shutdown, then pull the rug out.

anagoree Mar 27, 2022 1:11 am

congratulation on your Citi approval.
I tried after 6 years, and got rejected

andyandy Apr 12, 2022 9:44 am


Originally Posted by Andy2 (Post 34043488)
I received a letter for each failed application.

Hypothetical question. With no credit check, if such a person applied every day, would they be more likely to approve a card to avoid the daily cost of a stamp? Or less likely to ever approve another card?

As a fellow Barclay blacklist member, I applaud your idea for propping up our failing Postal Service. It also brings to mind Andy Dufresne in The Shawshank Redemption writing letter after letter to the legislature until they sent him money for books.

Andyandy


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