Citi, Target, and iTunes Visa

[jetset]

I recently applied for and was approved for an Apple iTunes Visa, 250.00 limit, and a Target red card (no visa, just for use in store) Before getting these cards, I applied for a Citi card...when I called up for my response, the girl told me because I had a bankruptcy within 7 years I was automatically declined...is this true? Is Citi a hard card to get? Anyone have any luck with reconsiderations?

[magyar123]

Citi, Chase and some of the other big ones blackball you even past the 10 year period. They feel hat once a bankrupt, always a bankrupt.

[skyblue]

Citi, Chase and some of the other big ones blackball you even past the 10 year period. They feel hat once a bankrupt, always a bankrupt.

Bankruptcy record should be removed after 10 years and..
how does the big one suppose to know that one ever filed a bankrupt?

I am baffled.

[lrprn]

Bankruptcy record should be removed after 10 years and..how does the big one suppose to know that one ever filed a bankrupt? I am baffled.

The big credit card companies keep a huge database of their own that is shared among them. One of the pieces of data they keep is who filed bankruptcy. It may be off our credit reports, but it's still in the shared database.

[skyblue]

The big credit card companies keep a huge database of their own that is shared among them. One of the pieces of data they keep is who filed bankruptcy. It may be off our credit reports, but it's still in the shared database.

Ouch!

[roki]

well i got my discharge on October 22 and i have already received by mail like 5 offers for credit cards one of them being Capital one which i said NO NO never again with this fellows. I was able to open a bank account with Wachovia because Bank of America rejected me. Wachovia gave me a visa Check Card which righ now is my main card. Regarding checks i have made a couple and i have had no problem. I went with my sister to a toyota dealership and it is incredible i could get a new Toyota they are willing to finance me actually the salesman they said people that already had a bankruptcy are less of a risk so they get loans not at the best rates but very competitive. So far my experience has been so on positive but regarding Bank Of America i guess they did not want my money??????

[tinroofrusted]

The big credit card companies keep a huge database of their own that is shared among them. One of the pieces of data they keep is who filed bankruptcy. It may be off our credit reports, but it's still in the shared database.

Yup.
It's called "Lexis Nexis" and I have never seen a more inaccurate report of complete trash in my entire life. It's terrible.

[whatamess]

Ive found Toyota to be quite Bk friendly as long as you have a good, steady income coming in and no other debt. Despite my non-reaffirmation they have still taken my payments to the same address and even reported them past the 341 up to date!!!

Ive had five Capital One pre approved offers within a few weeks of discharge. I'd bet if I sent them in it would be no go though. I'm sure BOA will never offer me credit again. Or Chase and Discover. Once BK'd, Discover is a no go so dont even bother.
WAM