05-13-2007 10:52 PM
What are your FICOs? AMEX Delta Skymiles is supposed to be the easiest to get.
05-14-2007 12:57 PM
05-14-2007 01:36 PM
With FICOs in the mid 600s, with no AMEX default in your past, and you should be good for an AMEX Delta Skymiles. You can apply online for multiple AMEX cards, and if you do it all same day at most you'll get 1 INQ per CRA. Might try an AMEX Green and a Skymiles.
05-14-2007 01:40 PM
When did you default, when were you issued an AMEX card again, and what were your FICOs when you were issued a card the second time?
AMEX blacklisting is well confirmed by LOTS of people, here and elsewhere. I have probably talked to a few dozen who can attest to it.
If your FICOs were high enough, or your default was a long ways in the past, or if you got your AMEX the second time more than a couple of years ago, then yes you might have avoided blacklisting.
05-14-2007 02:11 PM
We will notify you once your application has been processed, or if we need additional information. If you wish to view an electronic communication of your decision details once we have made a decision, click here.
Hmmm...not an outright denial. I have not heard from them, so I wonder if a human is going to approve it instead of a computer.
05-15-2007 12:53 PM
05-15-2007 03:14 PM
05-15-2007 03:19 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.