Re: AMEX BCP Approval?[ Edited ]
12-29-2012 01:51 PM - edited 12-29-2012 01:54 PM
Charge-off. I was laid off in December of 2008 and had to go on a payment plan for my Platinum card. My next employer bounced a very large payroll check due to a banking error and I was defaulted out of the payment plan after bouncing a check to Amex. I was foolish enough to accept their promise that I PIF for the remaineder of the balance it wouldn't negatively affect my credit score. Lesson learned, get everything in writing. I've been trying to build back up from a 120+day late since the C/O in June of 2009.
On a side note, I've been receiving offers for Gold Rewards cards constantly. Would it perhaps be wiser to get a Gold card to re-establish a relationship and then app for a revolver?
Current Score: TU - 720 EQ - 719 EX - 693
Goal Score: 760+ across the board
My Wallet: J.P. Morgan Ritz Carlton ($23K) | Chase CSP ($12.5K) | Chase Freedom ($1.8K) | AMEX Blue ($18k) | Mercedes AMEX ($1K)