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Amex Questions...

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Andy77
Valued Contributor

Amex Questions...

I have a few questions about Amex...

 

Is Amex bk friendly...meaning if you have a BK on your CR do they deny you right off the bat?

 

I had many accounts with Amex in early 2000...one of which I did a settlement on was a plat business..I owed 14.5k settled for 12k

This account is not on my CR anymore

 

I have about six closed accounts with Amex all in good standing..one I paid in full 43k..never late

 

Do you think I will always be denied a card because of the settlement, even though no longer on my CR, I am afraid its in their internal computer system, this is why I ask

 

Should I call and inquire to see if I can start paying the difference between what was settled and the settlement amount...about 3k...

 

I also don't know if I want to open pandoras box though

 

What are your thoughts?

 

 

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1 REPLY 1
Uncle_Money
Established Contributor

Re: Amex Questions...

For starters, it is doubtful that an approval is possible with a BK still reporting, especially for Amex. This is just my opinion.

 

Also, Amex has a memory like an elephant, so there's a good chance you're still in their system. I would at least wait for the BK to fall off before applying with Amex.

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

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