08-18-2013 12:59 PM
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.
08-18-2013 01:03 PM
Thanx for the info everyone. I'm coming out of the garden in a month or so. It's between discover and Amex currently. Ill post results if/when I app for others who might want to try.
There's hope OP Let us know how it turns out...Best of luck!
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