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Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Amex

Hi all,
I've been reading post here for a while and just want to say great forum!! People are awesome and very helpful. Anyway about 13 years ago I had a Amex gold card and got into some trouble. I had a 12000ish bal and I settled for 8000 does Amex keep track of that? Or since its been so long maybe I have a chance? Any info would be helpful

SIlver:

Frequent Contributor
Posts: 403
Registered: ‎01-08-2013
0

Re: Amex

 Amex has a VERY VERY long memory. But there have been posts here where people have gotten back in with Amex after situations like yours. YMMV.

Amex PRG(NPSL), Amex BCE($5K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($2.3K), Chase Marriott($1.8K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(Sept. 2016): FICO EQ: 672, TU: 703(?), EX: 682 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

Thanks for the info

SIlver:

Senior Contributor
Posts: 7,735
Registered: ‎01-05-2013
0

Re: Amex

Years ago they had a loooooooooooong memory, and were completely unforgiving.  Of late, their memory is still long, but they seem to be willing to give some people a second chance. 

Community Leader
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
0

Re: Amex


CreditJunkie917 wrote:

 Amex has a VERY VERY long memory. But there have been posts here where people have gotten back in with Amex after situations like yours. YMMV.


+1

YMMV some get back in some are reminded of that old debt...

Only way to tell if you are blacklisted is apply 

If they don't pull your CR your on the list....sorry

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

Do you think 13 years is long enough?

SIlver:

Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

What kind of scores are they looking for?

SIlver:

Community Leader
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
0

Re: Amex


Stonemanmv wrote:
What kind of scores are they looking for?

The kind of scores your showing

EX is most important score as that's who they will most likely pull

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
Posts: 1,246
Registered: ‎04-23-2013
0

Re: Amex

Not sure on that. I have freecreditreport.com my fako score was 697 yesterday. In the last 3 months I've had a new mortgage report, and 2 cc. My ex went up 13 points. And Eq went from 751 to 712. Tu 705 to 695

SIlver:

Community Leader
Super Contributor
Posts: 31,000
Registered: ‎02-07-2013
0

Re: Amex


Stonemanmv wrote:
Not sure on that. I have freecreditreport.com my fako score was 697 yesterday. In the last 3 months I've had a new mortgage report, and 2 cc. My ex went up 13 points. And Eq went from 751 to 712. Tu 705 to 695

What card do you want?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

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