@FinStar wrote:
@sjt wrote:
My opinion is that as a general rule Amex does blacklist until you pay them off. But like other posters have mentioned there are some people who fall through the cracks. I think those are more of an exception not the rule.
You could go ahead and apply. If you are blacklisted it would only be a soft pull.
sjt, AFAIK it is not even a SP. AMEX's database will recall the previous file/record and not even SP. Ususally results in a declined app with no pull.
Thanks! Thats good to know.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Let us know how it turns out...Best of luck!