Will I be able to get credit with a bank if I had a credit card writeoff in the past?

Question

Several years ago I had a citibank credit card that I did not pay. This item no longer appears on my credit card since its older than 7 years. Will I be able to get credit through this bank again or do they keep items on this on their file forever? My credit is good now but I was wondering if I would ever be able to get credit from companies who I had credit problems with that no longer appear on my credit....

Answer 1

If they can't see it on your report, they may still be able to see it on their in-house system. Just dont apply with the same company...there's hundreds if not thousands out there. Try someone else.

Answer 2

It depends on the company. Some, like American Express, will "blacklist" those who have defaulted on their accounts but I do not believe Citi is one of these.

I worked for Macy's Credit (Macy's cards are issued through Citi) and saw many customers who would open new accounts after having chargeoffs 2-3 years ago.

Go ahead and apply, you should be ok.