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Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011

American Express Gold preselected

 

I have burned Amex in the past (about 8 years ago). But surprisingly, I have been receiving preselected offers from them. (Green, Delta etc).  The latest offer was Amex Gold. I would love to get back with them, but not sure if I would get approved because of my past history with them.  Any thoughts?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Moderator
pizzadude
Posts: 8,660
Registered: ‎01-28-2010

Re: American Express Gold preselected


tennisfan78 wrote:

 

I have burned Amex in the past (about 8 years ago). But surprisingly, I have been receiving preselected offers from them. (Green, Delta etc).  The latest offer was Amex Gold. I would love to get back with them, but not sure if I would get approved because of my past history with them.  Any thoughts?


If your debt with AMEX was unpaid then it is possible that you are blacklisted.   Sometimes people with old, unpaid debt can get back in with AMEX without having to pay ~ but many times that's not the case.    If you apply for a new card and are on the blacklist, you'll be instantly denied, without them pulling your credit.    There's really no way to know for certain until you apply....

 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: American Express Gold preselected


pizzadude wrote:

tennisfan78 wrote:

 

I have burned Amex in the past (about 8 years ago). But surprisingly, I have been receiving preselected offers from them. (Green, Delta etc).  The latest offer was Amex Gold. I would love to get back with them, but not sure if I would get approved because of my past history with them.  Any thoughts?


If your debt with AMEX was unpaid then it is possible that you are blacklisted.   Sometimes people with old, unpaid debt can get back in with AMEX without having to pay ~ but many times that's not the case.    If you apply for a new card and are on the blacklist, you'll be instantly denied, without them pulling your credit.    There's really no way to know for certain until you apply....

 


+1 and if the debt is paid and you still get denied then give a call. I read success stories to where they get approved after talked to a CSR


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: American Express Gold preselected

Amex maybe a little tricky now if you have an (un)paid debt with them with all the current lawsuits 

ccpics2.jpg
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011

Re: American Express Gold preselected


beb86 wrote:

Amex maybe a little tricky now if you have an (un)paid debt with them with all the current lawsuits 


Can you please explain a little. why is it tricky?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: American Express Gold preselected

oasis question

 

this is why...AMEX is in a lawsuit right now

ccpics2.jpg
Established Contributor
tennisfan78
Posts: 629
Registered: ‎09-18-2011

Re: American Express Gold preselected


beb86 wrote:

oasis question

 

this is why...AMEX is in a lawsuit right now


oh ok. thanks


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

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