Amex partner cards after settlement

[Anonymous]

Don't lose hope!

I've been denied for a CLI twice, but the letter always says "Not enough history as an American Express customer," they still don't mention the previous negative relationship. I really feel like one of those "fell through the cracks" cases.

Citi, on the other hand, is still sore, and I don't blame 'em one bit. 

[UncleB]

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@Anonymous wrote:

Don't lose hope!

I've been denied for a CLI twice, but the letter always says "Not enough history as an American Express customer," they still don't mention the previous negative relationship. I really feel like one of those "fell through the cracks" cases.

Citi, on the other hand, is still sore, and I don't blame 'em one bit. 

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Thanks!  My 90 days will be up in a couple of days (might be already depending on if they count from when you 'hit the button' or from when the letter is mailed) so I'll give it another try; the worst they do is say 'no'! 

I just use it for groceries anyway, so the low limit isn't too limiting (use at Kroger, get bill, PIF, earn 6%, rinse and repeat...) but it would be nice to have a little 'cushion'. 

The BK7 back in 2000 hit them pretty hard ($8K +/-) so I can't blame them for being sore, either.  If it takes a while to earn their trust again, that's OK... I'm just glad the infamous 'black list' didn't apply to me, and I don't mind being patient for a while. 

[ryox03]

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@UncleB wrote:

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@Anonymous wrote:

GOOD TIMES.

I was cavalier and applied for the EveryDay after the settlement was paid, but before my CRs updated to reflect it.

The only denial reason listed was that my FICO score was too low. I took the failure to mention the charge off as a good sign.

After the CRs reflected the pay off, my score went up 50-60 points and I was approved for the card with a 668 EX.

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Amex seems to be really good about removing the negative CB entry once a settlement is made.  Back in the late 90s, they never even reported me as late until I filed the BK7 paperwork.  Further, once the BK7 was complete, it was like the Amex entry was 'stuck' (it wasn't reporting IIBK correctly) so I disputed it... and they completely removed it from each of the three credit bureaus.  Others on the board have reported similar experiences.

I regretted the entire episode, and I am very pleased to be back in their 'good graces'.  I will add, though, that their memory is long... even though I got the BCP this past April, when I tried for a CLI it was declined due to "previous delinquency with American Express"... which was over 15 years ago.  I might be stuck at $1K, but I make it work... LOL

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They might be taking a cautious approach, but you never know. This is very encouraging to say the least. Everything I searched under was hit an miss on info so I am glad that different people have been able to give their experience.