Defaulted with a lender and re-applied later?

jones_guitar · 3 April 2020 at 11:40AM

Has anyone one ever defaulted with a CC lender, dept sold on, and a few years later had a new CC with same lender?

born_again · 3 April 2020 at 11:52AM

How many years are you talking and did you pay the depbt off?

jones_guitar · 3 April 2020 at 12:06PM

3-4 years ago. will aim for settlement, sold on also.

born_again · 3 April 2020 at 12:10PM

I would not. They will know you owe money.

cajef · 3 April 2020 at 12:31PM

What makes you think they will give you a new card when you defaulted on the previous one?

Tildaplum · 3 April 2020 at 1:29PM

sorry to be so pessimistic but there is not a snowball's chance in h they will give you one!

jones_guitar · 3 April 2020 at 1:38PM

What about after 6years?

Tildaplum · 3 April 2020 at 2:40PM

yes yoh might be able to then - depends on the company

[Deleted User] · 3 April 2020 at 2:59PM

If the lender is Amex, no, never will you get an account with them. Never.

jones_guitar · 3 April 2020 at 6:16PM

Time will tell I guess...

Mrs_Ryan · 4 April 2020 at 12:55AM

I had a card with Capital One some years ago. It was written off when I became ill with cancer. Fast forward some years (about 6) I got a card with them but got bored with it as the limit was so poor I couldn’t use it for what I needed it for so I closed it. Ditto with Vanquis- I now have a card with them which I actively use and clear in full.