Reply
Established Member
Posts: 11
Registered: ‎06-21-2007
0

Amex Oasis ?????

I had an Amex Several years ago, it went bad and I paid a settlement amount that they offered me (this was 2 years ago). I am on as an authorized user on my wifes amex card. Do i have to pay the difference in the settlement amount and the orginal debt before amex might consider me for a card or the Oasis program?
 
Thanks
Established Contributor
Posts: 581
Registered: ‎04-11-2007
0

Re: Amex Oasis ?????

Yes, in order to get another AMEX, you need to pay off the settlement amount.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Amex Oasis ?????



jguglietta wrote:
I had an Amex Several years ago, it went bad and I paid a settlement amount that they offered me (this was 2 years ago). I am on as an authorized user on my wifes amex card.


When did you get AU status on your wife's CC?
 
Established Member
Posts: 11
Registered: ‎06-21-2007
0

Re: Amex Oasis ?????

About 2 years ago, as soon as she opened the account. This was a few weeks after I paid the settlement offer to AMEX
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Amex Oasis ?????



jguglietta wrote:
About 2 years ago, as soon as she opened the account. This was a few weeks after I paid the settlement offer to AMEX


Hmmmmmm. Interesting. By settled you mean settled for less than the full amount?
 
Established Member
Posts: 11
Registered: ‎06-21-2007
0

Re: Amex Oasis ?????

Yes, not sure of the exact number but i settled a $2000.00 account for about $1200.00. I had no problem being added to my wifes Jet Blue Amex Card.
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Amex Oasis ?????



jguglietta wrote:
Yes, not sure of the exact number but i settled a $2000.00 account for about $1200.00. I had no problem being added to my wifes Jet Blue Amex Card.


I'm tempted to say go ahead and call the Oasis numbers (start of this thread). Inquire about it. Play dumb. Tell 'em you had this AMEX account that went into default, and you think you paid it off in full, but you're not sure. They keep meticulous records.
 
If they say you don't owe anything, might have your wife call and see about making you a joint account holder on the Jet Blue.
Established Member
Posts: 13
Registered: ‎07-20-2007
0

Re: Amex Oasis ?????

Another question about the Oasis program...Many moons (1991) ago, my mother got this card in my name and added herself on as an AU. I had no knowledge until I came home from school one weekend and got the mail. By the time I attempted to use the card, my mother had racked up a cool $4K and defaulted on it. Needless to say, I won't be sending mom to the county lock up, but I would like to pay. I don't have $4k sitting around. It is sitting, but it is so tied up between investments, 401s and 529s (which I can't touch anyway), I'd need a payment plan. So my questions are (before I call them):
 
Do they allow payments until PIF?
Typically how many payments to "get her done"?
 
I want this finalized as my company gives the AX skymiles guaranteed as employees and I want one!!!!
 
Nov 07 - TU 575 EQ 507 EX 559
Dec 07 - TU 606 EQ 514 EX 575
Jan 08 TU 626 EQ 551 EX 579
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Amex Oasis ?????

Kittw1,


First, there's no danger of Mom going to the hoosegow. SOL on fraud has long since run.


I would call the Oasis numbers, and ask. Tell them something to the effect of:


Years ago, my Mom applied for a card in my name and without my knowledge. I think it eventually went into default, but I'm not sure. My Mom might have paid it off, but I just don't remember. This was from probably 15 year ago or more.


Let them check. Might not be in their files. But, if it is, continue to explain further.


I never signed for anything, and my Mom applied for it in my name. Would I need to pay it off before American Express would issue me a card?


I've read accounts of AMEX exhibiting a surprising amount of GW at times. If they do demand payment, ask 'em whether you can do payments.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.