I pre-qualified online for AMEX BCE. I have a old unpaid AMEX CO (no longer on my CR). I thought that AMEX had a long memory and I wouldn't even pre-qualify. Does this mean I'm not black listed and have a chance ?
Chances are unless the CO was paid you stand a 99.5% chance of being denied ....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?
You can give it a try. I believe if you're blacklisted they won't even pull your credit report (someone correct me if I'm wrong), so at least you'd know one way or the other. But I have heard that they have an extremely long memory, although there are reports of some slipping through the cracks.
You can give it a try. I believe if you're blacklisted they won't even pull your credit report (someone correct me if I'm wrong), so at least you'd know one way or the other. But I have heard that they have an extremely long memory, although there are reports of some slipping through the cracks.
Correct ^^^^^^^^^^^
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?
Thanks you all for your replies. I was just wondering what's with AMEX. Been lurking here for almost 2 years and have learned a lot from this forum. I have rebuilt my credit and have now 6 CC (FBNO, CU Visa, Citi Simplicity, BOA Better Reward, Discover & Sallie Mae) and my scores are TU08 769, EX08 808, EQ08 796. Could not have done it without all of you.
Thanks you all for your replies. I was just wondering what's with AMEX. Been lurking here for almost 2 years and have learned a lot from this forum. I have rebuilt my credit and have now 6 CC (FBNO, CU Visa, Citi Simplicity, BOA Better Reward, Discover & Sallie Mae) and my scores are TU08 769, EX08 808, EQ08 796. Could not have done it without all of you.
Congrats on doing such a great job rebuilding! I envy your scores!
EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841