topic Re: Finally!!! Off American Express blacklist, after... in Credit Card Approvals

Finally!!! Off American Express blacklist, after...

BetterMoves — Sun, 20 Dec 2020 18:11:25 GMT

…29 YEARS!!!

Actually, I may have been off for awhile, but I hadn’t checked in a few years. Defaulted on Green and Gold cards in 1991, which were then included in BK, roughly $7K, and never went the Oasis route. Earlier this month when my EXP was 734, and no inqs or new accounts within 6 months, pre-qual page showed both BC, both ED, and Cash Magnet. Decided to give BCP a shot since it had a good bonus going on through 12/10; got notice of ‘no decision’, letter on the way. The next day I called New Accounts and was told they need 4506-T for 2019 return, which I received a few days later.

Faxed in 4506-T, but unfortunately when Equifax Verification Services received the transcript, someone - or some EVS system - wasn’t including my non-taxable income, so app was incorrectly denied for income on application not being supported by IRS data! Had to speak to a couple of gatekeepers before I spoke with two or three supervisors to try to walk them through the hitch. I honestly do not know what AmEx’s customer service is like these days, but all but two of these reps were more than happy with ‘well you were denied…just try again after 30 days.’

Finally, one supervisor contacted whatever mystery team handled that stuff, got things clarified, re-ran application and I was approved for $2K. Frankly, I that doesn’t bother me at all, as I know about their generous CLIs if warranted (and they already have my 1040 transcript!).

Many posts on here and other sites will point out the AmEx blacklist could last a few years, could last a lifetime. My 1991 financial situation was a world away, and I was not proud of burning any creditors, so I am glad to be back in the door, which at several points I thought was virtually impossible. Since I am basically starting over with them, the “Member Since ‘88” on the card and app will serve as a constant reminder!

[Also keeping an eye on the account to see if they sudddenly reverse the decision and close it.]

Stay safe, and Happy Holidays!

Re: Finally!!! Off American Express blacklist, after...

AllZero — Sat, 19 Dec 2020 21:06:43 GMT

Congratulations on your approval!

Re: Finally!!! Off American Express blacklist, after...

gdale6 — Sat, 19 Dec 2020 22:22:13 GMT

Grats on getting back in the door

Re: Finally!!! Off American Express blacklist, after...

mrcraft — Sat, 19 Dec 2020 22:28:04 GMT

Congratulations on your approval!!

Re: Finally!!! Off American Express blacklist, after...

Anonymous — Sat, 19 Dec 2020 22:29:55 GMT

Congratulations

Re: Finally!!! Off American Express blacklist, after...

Achilles17 — Sat, 19 Dec 2020 22:34:56 GMT

Wao 😳 that's a long long time ago ... congratulations 🎉🍾🎈

Re: Finally!!! Off American Express blacklist

Anonymous — Sun, 20 Dec 2020 01:04:25 GMT

Congrats with getting back in with AMEX after 29 years!!!

Re: Finally!!! Off American Express blacklist, after...

dudefromtx — Sun, 20 Dec 2020 02:57:16 GMT

Congrats on your approval after such a long wait!

Re: Finally!!! Off American Express blacklist, after...

cashorcharge — Sun, 20 Dec 2020 03:59:21 GMT

That's great! Congratulations on your approval!!

Re: Finally!!! Off American Express blacklist, after...

Anonymous — Sun, 20 Dec 2020 04:24:55 GMT

Wow awesome, that's got to be a great feeling. Good for you!

Re: Finally!!! Off American Express blacklist, after...

Meanmchine — Sun, 20 Dec 2020 04:38:14 GMT

Congrats on getting back in woth Amex

Re: Finally!!! Off American Express blacklist, after...

M_Smart007 — Sun, 20 Dec 2020 12:31:48 GMT

Congratulations!

Re: Finally!!! Off American Express blacklist, after...

randomguy1 — Sun, 20 Dec 2020 14:30:37 GMT

Congrats to you! Thats the longest time on the blacklist I've heard.

Re: Finally!!! Off American Express blacklist, after...

Anonymous — Sun, 20 Dec 2020 22:56:58 GMT

Nice to be back in and the CL will get up there. Congrats

Re: Finally!!! Off American Express blacklist, after...

CreditAggie — Mon, 21 Dec 2020 02:12:53 GMT

Congratulations on your Amex approval!

Re: Finally!!! Off American Express blacklist, after...

PointsBonus — Mon, 21 Dec 2020 06:20:31 GMT

Welcome home my fellow AMEX friend

Re: Finally!!! Off American Express blacklist, after...

FalconSteve — Mon, 21 Dec 2020 06:36:45 GMT

Congratulations on getting off the blacklist!

26 years is a very long time, remind me never to burn AmEx. Actually, they closed a card for inactivity on my and didn't want to let me open a new card for a while (although that could have been coincidence).

Re: Finally!!! Off American Express blacklist, after...

Conceptual23 — Mon, 21 Dec 2020 22:23:16 GMT

Oh wow. Congrats. Hopefully I won't be on the Blacklist that long. It's already been about a decade so far.

Re: Finally!!! Off American Express blacklist, after...

JonStur — Wed, 23 Dec 2020 12:31:33 GMT

Good for you!!! Just proves that often times persistence has its rewards..

Re: Finally!!! Off American Express blacklist, after...

Anonymous — Wed, 23 Dec 2020 13:59:18 GMT

Congrats on your approval!