11-22-2012 05:47 PM
I used to have Amex cards, but due to my bad fortune I got in the debt tangle and lost them to charge -off's. Finally since I could not pay and 7 years went by the entries are gone from the CR's. Now as my situation is improving I am craving to re-apply for them.
Question: How likely is it to get them approved if I apply for them now?
11-22-2012 06:18 PM
11-23-2012 01:59 AM
Ive got a Amex Sky and had Green charge card in BK back about 8 years ago about $800 that i never paid.
Amex Sky approved on July of 2012 and was denied CLI for CO after 61 days....
I'm not sure if i'm ever going to get CLI but going to try again once my balance is at zero since IM taking advantage of 0 % financing.
Starting limit $2000.
11-23-2012 02:03 AM
some people get lucky and slip through the cracks, but most people get stuck paying back every penny just to get back in. My friend had an Amex 20+ years ago and wanted to get backdated, they didn't have any records so he slipped through the cracks, but somehow he still had documents he was able to send them =)
11-23-2012 05:59 AM
American Express Computer system and credit report altering within computer system is like watching rather another city in California needs to file for bankruptcy!
Really the best way and only way usually is to apply for a Charge Card.
If you are in the system and black-listed you will get back an instant decline and it will not result in a HP on credit report.
Otherwise some have just gotten instant approval!
Hit up a Credit Card version of Amex at same time if you do find yourself approved for the charge card!
Let us know!
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.