Credit Cards

[Creditaddict]

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Bandit_1025 wrote:

Personally they sound misinformed. Have you tried the EO?

 I have a few contacts within AMEX and of late - they’ve had significant turnover with their reps.

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EO?

[Crashem]

EO=executive offices. No point calling. Amex guy was either stating policy or overstating policy. We know is isn't enforced 100%. But those are people slipping through the cracks. No point complaining about others getting away with it. Like saying to judge, others speed all the time so I should be able to speed. no new information here. No change in Amex policy. I just recommend op just lie low and try every once in a while and hope he falls off blacklist. Or get the money to pay old debt. Or just move on from Amex.

[sjt]

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Crashem wrote:
EO=executive offices. No point calling. Amex guy was either stating policy or overstating policy. We know is isn't enforced 100%. But those are people slipping through the cracks. No point complaining about others getting away with it. Like saying to judge, others speed all the time so I should be able to speed. no new information here. No change in Amex policy. I just recommend op just lie low and try every once in a while and hope he falls off blacklist. Or get the money to pay old debt. Or just move on from Amex.

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+1

[Creditaddict]

Well who has these Executive office numbers?! Private me Please

Im not judging anyone for getting past if that was directed at me! I was stating it that I felt the guy I spoke to was overstating policy and was incorrect... and I do know SOME policies have really actually changed with amex, a couple have gone away and come back but one thing is for sure... like everything in life... it's usally not 100% set in stone!

[Crashem]

Credit addict, check sticky in this forum under backdoor number. However I think dumb for op to keep calling and having system pull up record and keep it active.

[Creditaddict]

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Crashem wrote:
Credit addict, check sticky in this forum under backdoor number. However I think dumb for op to keep calling and having system pull up record and keep it active.

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Dumb might be a little far... The reason to call EO I assume would be to get someone that would over ride, give some other options, im not sure... but I would think at least verify accuracy of statements by other rep.

Futher more it's not like im playing with fire and that I never filed BK and I owe them $7k from 2 years ago but they have not been trying to collect or something and all of a sudden they are like oops not sure why we didn't know about this... you owe us $7k this will be a judgement on your credit reports tomorrow!

Further Further more, pulling up in the system by a rep is not going to change rather the system looses or keeps it active... if it's in it, it's in it!

OH and one more thing... the reason this thread started and why I actually called this time was I was getting a completely different email from amex on my app then usual so I was thinking it was something else not my blue from 99...

[Crashem]

I'm understand how data archiving works. Entirely possible that your semi frequent attempts and calls are keeping your data record active and therefore not mark for archiving. Also they may just go from some date like last real transaction and your attempts make no difference. Your credit your choice. There's been no indication that Amex has changed policy. Probably no harm calling EO at this point as even if they are archiving based on active date as you have already called them recently.

[Creditaddict]

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Crashem wrote:
I'm understand how data archiving works. Entirely possible that your semi frequent attempts and calls are keeping your data record active and therefore not mark for archiving. Also they may just go from some date like last real transaction and your attempts make no difference. Your credit your choice. There's been no indication that Amex has changed policy. Probably no harm calling EO at this point as even if they are archiving based on active date as you have already called them recently.

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Did we fall off the rail at some point?  Yes I apply 1 or 2 a year I would say for last 4-5 years because 1. it instantly tells me I am blacklisted in whatever wording and its not a HP.... Fast Forwart to 2 months ago and it was not instant denial and when the e-mail came 5 minutes later to log in for decision it did not state BK or Past unpaid... it stated "we closed an account"

This WAS the first time I have EVER called in to see what exactly that meant and if it meant it could be manually reviewed because of who knows what reason... I really didn't think it was going to be related to my blue from the bk.

Im not sure which part you are saying "No inication that Amex has changed policy" to but they have made multiple changes to policy, now what that has done to help, hurt, or what not over the years has changed.

[Bandit_1025]

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sjt wrote:

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Bandit_1025 wrote:

Personally they sound misinformed. Have you tried the EO?

 I have a few contacts within AMEX and of late - they’ve had significant turnover with their reps.

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Why do you think they were misinformed?

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Generally - specific account information from an inactive AMEX account (that is 10+ yrs old) is on a tape backup system.  In order for the rep to retrieve specifics (status and internal codes) of accounts that were revoked, IIB, charged off… it generally requires a decent amount of escalation to the Executive Office .

A front line rep would not have that access to process that request. Let alone a supervisor/manager queue (generally staffed by senior reps).

More than likely the rep saw basic account info and told the prospective applicant just enough to resolve the call.

[Creditaddict]

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Bandit_1025 wrote:

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Generally - specific account information from an inactive AMEX account (that is 10+ yrs old) is on a tape backup system.  In order for the rep to retrieve specifics (status and internal codes) of accounts that were revoked, IIB, charged off… it generally requires a decent amount of escalation to the Executive Office .

A front line rep would not have that access to process that request. Let alone a supervisor/manager queue (generally staffed by senior reps).

More than likely the rep saw basic account info and told the prospective applicant just enough to resolve the call.

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I called AmEx:  800-567-1083 (App Status - Use with caution if attempting a denied app recon; have been advised by one member that they can only resubmit app with another hard pull) from backdoor thread and although I ended up being transfered twice and then given a number to call later when not so busy (I called the minute I hung up and got through in under 30 seconds so don't know what the "its so busy they can't take phone calls" was but who cares) I was given the balance and the blue account info IIB with the very first person that answered... I would probably agree about inactive and such but things over at Amex always seem to be different then the norm!

I probably won't persue for now because it's not important... Im not going to go back and pay a $7k debt from over 12 years ago just for the chance to come off black list unless I win the lottery tomorrow and become a millionair...