Update - I love my Everyday Card. I literally use it every day and pay the balance off before the statement closes. The great news is I received my Amex Corporate Green Card this week. What a feeling! All is well. Credit gardening for a while. Thanks for everyone's input and encouragement! Peace and blessings. :-) ... View more

  Unfortunately they don't allow changes (at least at this time) from their MR earning cards to cash back cards (like BCP or BCE).    However the good news is that now that you're a cardholder, if you apply for an additional card it's only a SP if not approved (HP if approved).  While the usual 'YMMV' caveat applies as always and you'll find reports of an occasional exception, this is usually the experience of most people on here.   As for if it's too soon or not, there's really no way to know.  Your Everyday card approval was strong, so I doubt you'll have any issues although your SL might (?) not be quite as generous as it was on the ED (that's just my speculation, though... you never know!)   Congratulations again on getting back in... I personally know the exact feeling, and it feels good!  Yes! It feels great!!!  I actually like my everyday card. I use it as often as I can and pay it off before the statement closes. The perks are great. I already earned $200 balance credit. The TL  just reported as a new account and I have a 4 point score increase on EQ and 10 point increase on EX. They pulled Transunion only and have a 5 point score increase there. All is good! Thanks again for the encouragement.  I'm back to gardening.  ... View more

  I hope this story helps               Great information! Thanks!  ... View more

@UncleB wrote: @BBYGRL wrote: @UncleB wrote:     I will also add that like others have mentioned, they 'forgave' but they definitely didn't forget... in my case they also updated my 'Member since" date online within a few days of  my approvals, but each time I've tried to get a CLI on my BCP (Blue Cash Preferred) I've been turned down due to the account that was included in bankruptcy 15 years ago.  While I would like a slightly higher credit line, it is what it is, and I'm simply glad to have accounts with them again.  (Oddly, in my case they won't give me a CLI, but they will approve additional revolving credit lines).   This is absolutely right UncleB. My first statement cut and when I looked at my account online, my member since had changed from 2016 to 1988. I'll take it! :-)  I think I would like to product change to BCP since I use this card for daily purchases - gas, groceries, etc. - and I pay it off before the statement closes. I'm wondering if it is too soon to ask.   ... View more

@BBYGRL wrote: @darwin_wins wrote: More than likely you can get your AmEx too at this point. Don't bother paying back anything at this point. As for Corp AmEx, you should be good but as a datapoint right after my CO (and AmEx still had till I paid it off), my company wanted to issue me Corp AmEx and I was denied because of past CO. I wish I had paid off that and gotten in sooner, would have retained a card date from 2004. But after 15 years AmEx will let you in, apply for one if you want to if you are getting pre-approvals from them I was denied a corporate card about 7 years ago - likely because of the CO. My scores were over 800 at the time. I was clearly blacklisted then.  I was lucky enough to avoid needing it until now. I will apply next week. The last barnacle off my credit boat.  Forgot to add...they set be free from the blacklist! I was approved for an Everyday card today! Woot! ... View more

@darwin_wins wrote: More than likely you can get your AmEx too at this point. Don't bother paying back anything at this point. As for Corp AmEx, you should be good but as a datapoint right after my CO (and AmEx still had till I paid it off), my company wanted to issue me Corp AmEx and I was denied because of past CO. I wish I had paid off that and gotten in sooner, would have retained a card date from 2004. But after 15 years AmEx will let you in, apply for one if you want to if you are getting pre-approvals from them I was denied a corporate card about 7 years ago - likely because of the CO. My scores were over 800 at the time. I was clearly blacklisted then.  I was lucky enough to avoid needing it until now. I will apply next week. The last barnacle off my credit boat.  ... View more

@UncleB wrote: @BBYGRL wrote: @UncleB wrote:     I will also add that like others have mentioned, they 'forgave' but they definitely didn't forget... in my case they also updated my 'Member since" date online within a few days of  my approvals, but each time I've tried to get a CLI on my BCP (Blue Cash Preferred) I've been turned down due to the account that was included in bankruptcy 15 years ago.  While I would like a slightly higher credit line, it is what it is, and I'm simply glad to have accounts with them again.  (Oddly, in my case they won't give me a CLI, but they will approve additional revolving credit lines).   I just answered my question about back dating/updating "member since" date. I'll report back and will let you all know what happens. Having that tradeline from 1997 would be awesome! Just to clarify, they no longer backdate with the credit bureaus... they stopped that March 2015.    The date is on the card for 'cosmetic' purposes, but otherwise doesn't really matter.  Last year I missed having two cards backdated 20 years (with the credit bureaus) by three weeks (my approvals were in April, right after backdating stopped).  As disappointing as that is, I'm still just glad to be back with them at all.  Good to know. I'd rather have a second chance than the backdate. It;s better than being blacklisted or on the Oasis program. Plus they were generous with the CL. A fresh start! I'm grateful! ... View more

@UncleB wrote:     I will also add that like others have mentioned, they 'forgave' but they definitely didn't forget... in my case they also updated my 'Member since" date online within a few days of  my approvals, but each time I've tried to get a CLI on my BCP (Blue Cash Preferred) I've been turned down due to the account that was included in bankruptcy 15 years ago.  While I would like a slightly higher credit line, it is what it is, and I'm simply glad to have accounts with them again.  (Oddly, in my case they won't give me a CLI, but they will approve additional revolving credit lines).   I just answered my question about back dating/updating "member since" date. I'll report back and will let you all know what happens. Having that tradeline from 1997 would be awesome! ... View more

So, will they automatically back date my account or do I have to ask? I don't want to be greedy.  ... View more

@UncleB wrote: @BBYGRL wrote: Thank you all for the great advice!  I think I'm ready to see what happens.  I'm well aware they may reject me but I will never know until I try. Thinking postive thoughts.    I used this link https://www.americanexpress.com/us/credit-cards/tools/25330?linknav=us-CCSG-ProspectNav-SpecialOffers&s_tnt=64023:1:0#!for-your-lifestyle to check my offers. Only the Amex Everyday and Everyday Preferred were listed. Decisions, decisions.  Keep in mind that many of us (myself included) have never gotten a prequal for an Amex product, yet we still got approved.    I would still go for the card you actually want... that you have prequals for any product at all is a good sign.  Thank you Thank you Thank you UncleB!!!!! ... View more

@UncleB wrote: @BBYGRL wrote: Thank you all for the great advice!  I think I'm ready to see what happens.  I'm well aware they may reject me but I will never know until I try. Thinking postive thoughts.    I used this link https://www.americanexpress.com/us/credit-cards/tools/25330?linknav=us-CCSG-ProspectNav-SpecialOffers&s_tnt=64023:1:0#!for-your-lifestyle to check my offers. Only the Amex Everyday and Everyday Preferred were listed. Decisions, decisions.  Keep in mind that many of us (myself included) have never gotten a prequal for an Amex product, yet we still got approved.    I would still go for the card you actually want... that you have prequals for any product at all is a good sign.  I WAS APPROVED!  Woo hoo! I feel redeemed! All of that hard work paying off debt and restoring my credit score paid off! Patience it key!!    I applied for the card on their recent offer - Amex Everyday Card. The APR is high after the 0% intro but they gave me a 15k limit. What? I'm happy but stunned. I will certainly make sure they know I am worthy of a second chance. Paying off any balances every month. ;-)  Thank you all for sharing your experience and for your encouragement. I really do feel like that dark Amex cloud has finnally lifted!  I love the MYFICO community! Woot! ... View more

Thanks! That's good to know.  ... View more

@UncleB wrote: Lots of good advice here so far.   I'll only add that I was approved last year for two Amex accounts 15 years after including them in a BK7 (Bankruptcy Ch. 7).  I never paid them back.   I will also add that like others have mentioned, they 'forgave' but they definitely didn't forget... in my case they also updated my 'Member since" date online within a few days of  my approvals, but each time I've tried to get a CLI on my BCP (Blue Cash Preferred) I've been turned down due to the account that was included in bankruptcy 15 years ago.  While I would like a slightly higher credit line, it is what it is, and I'm simply glad to have accounts with them again.  (Oddly, in my case they won't give me a CLI, but they will approve additional revolving credit lines).   As for your soft pulls, keep in mind that using their pre-qual site will create a SP inquiry on your credit, so that's likely why you see the SPs.  As for Oasis, if it were me I would first apply for a new account; if you're 'blacklisted' you'll simply be turned down without a HP anyway, so there's no harm in trying.  If you are blacklisted, you can then pursue getting back with them via Oasis.  I understand your desire to pay them back, but at this point it might create more obstacles for you than it's worth (in my opinion), especially if you're able to get approved for an account anyway.   We do use many abbreviations on here; here's a link to a thread with a list of many of the most common ones:   http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458#M23   Good luck whatever you decide!  Which one did you apply for first? Just curious. I will certainly choose one that fits my needs. I just wonder if I have a better chance if I apply for the ones I received as offers first. I know it's hard to know until I apply.  ... View more

Thank you all for the great advice!  I think I'm ready to see what happens.  I'm well aware they may reject me but I will never know until I try. Thinking postive thoughts.    I used this link https://www.americanexpress.com/us/credit-cards/tools/25330?linknav=us-CCSG-ProspectNav-SpecialOffers&s_tnt=64023:1:0#!for-your-lifestyle to check my offers. Only the Amex Everyday and Everyday Preferred were listed. Decisions, decisions.  ... View more

@darwin_wins wrote: Oasis program is invite only. If AmEx or one of its CA contacts you, you can ask for it in exchange of paying off the debt you owe. They may or may not offer you. Did you burn AmEx? If so, for how much. How old is it? Ahhh that's right. I had a charge off about 15 years ago. I get pre-qual offers but haven't applied because I may be blacklisted. Just trying to figure out how to pay the debt and to get a corporate card.  ... View more

@Anonymous wrote: Definitely check their prequal site.  I think it's actually one of the accurate ones.    Please let us know what your results are.     Good Luck! Thank you Bumblebee! I will be sure to follow up with you all! :-) ... View more

@Anonymous wrote: My advice is to go with whichever suits your needs best.  Your scores are good enough not to be a factor, so the major question is the charge off.  And I would guess that the impact would be the same for any Amex card (i.e. they aren't going to say "With a charge off you can't get the BCP but can get the Green")   Did you ever pay the chargeoff?   Several have reported that Amex won't give a card till that is done I have not paid the charge-off but I'm happy to. I was wondering if they still offer the Oasis program and if that's the best route to go.  ... View more

@Anonymous wrote: I think your chances of getting back in with Amex are very good after 15 years. Conventional wisdom is, the charge cards are easier to get approved than the revolving cards (out of the charge cards, PRG is the best deal unless you will use the airport lounge and hotel perks on the Platinum). But with your scores you would probably qualify for any Amex, as long as they don't still have you on their internal blacklist. It's very much a YMMV situation. I was recently approved for a Platinum charge card with scores much lower than yours, 10 years after including Amex in bankruptcy. They even auto-updated my "member since" date from 2016 to 2001 a couple days after approval. Thank you! I'm embarassed to ask what PRG and YMMV means. It has been a while since I have posted here. :-) ... View more

I get get the pre-qual offers for the Amex Premiere Gold and the Blue Cash cards frequently. I'm afraid to apply fearing I will be denied. They soft pull me regularly. Is there a number for the Oasis program that I can call? I do want to pay my debt to them.  @creditguy wrote: Apply for what you want not what you think you can get, your scores are good enough for any of their cards. Have you tried a pre qual to see if any offers show up? If not, give it a try, it may help with figuring out if your still blacklisted or not.   ... View more

I have not paid the charge-off but I'm happy to. I was wondering if they still offer the Oasis program and if that's the best route to go.  ... View more

The plan is to pay them off for good. I'm not so sure if I want to do business with them again. We'll see. I'm sure the feeling is mutual. I asked the CSR for Oasis info so that I could share my experience with the you all.    ... View more

No, I dare not apply until I'm ready to pay the balance in full. I know it's an automatic "decline."You would think they would offer me the program but maybe some other time. They haven't contacted me by phone since 2008. Today I nicely told him to send all inquiries in writing. ... View more

I was suspicious when I received two gold account membership offers in the past two months. Today I get a call from Amex asking me how I intend on paying a debt from 1999. I inquired about the Oasis program and the CSR rep said he had no idea what I was talking about and then asked for a payment again. ... View more