In college I defaulted on credit cards with Capital One, Chase and American Express. I now have a Capital One and Chase Sapphire Preferred card. Seven years after default I applied and was initially declined, despite my (new) excellent credit. I called them and told them my bad, and will you please reconsider? I was approved immediately. It was interesting as both Cap One and Chase were approving me for auto loans but not credit cards.
Long story short, you might be black listed but give them a call. Also, I’m still black listed by American Express!