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Re: Credit Card Offer


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Posted by observer (152.163.189.170) on March 12, 2003 at 12:28:52:

In Reply to: Re: Credit Card Offer posted by Confused in Georgia on March 12, 2003 at 12:18:35:

You're wise to apply with a different bank. CC companies marketing dept and collection dept don't talk. But, many banks and cc companies maintain a "blacklist" of people who have cost them money. Before a card is granted, the bank will cross reference it against the blacklist. Citi and Amex keep such list. I know someone who had a chargeoff from Amex in 1986. Last year he applied for a card and got a letter of rejection and the cause was, "an unsatisfactory prior relationship". So, don't waste the inquiry. Start fresh with someone else.


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