Hello I just want to know when you paid credit cards debts the companies you own (Citi, Chase, Discover, Amex, GE Bank and Capitol One) you repaid them all the amount they put you in a blacklist even you repair your credit score when you applied a new credit cards with that companies I mentioned? Or they have certain years of penalty because you owned them money. Also if someone know the years of penalties to applied again if is any penalties years of this companies; Citi, Chase, Discover, Amex, GE Bank and Capitol One Thanks.