topic Re: Amex must be desperate.... in Credit Card Approvals

Amex must be desperate....

0ooo0 — Fri, 11 Mar 2022 22:51:30 GMT

Amex was IIB for a significant amount, so I was blacklisted for more than 10 years. I applied several times, and was constantly denied due to prior relationship.

Last night, I applied for a Preferred Cash Rewards, and got approved for 5k. Yay 👍

Re: Amex must be desperate....

CreditMagic7 — Fri, 11 Mar 2022 20:25:33 GMT

Dang that's way too long to wait (Like Chase)...

but at any rate Congratulations on that Amex new approval AND SL!

Re: Amex must be desperate....

0ooo0 — Fri, 11 Mar 2022 20:59:21 GMT

Thank you, I've read stories where ppl are still blacklisted 22+ years, and small number blacklisted far longer. I'm suspecting the amount Amex wrote off has to do with how long one stay blacklisted

Re: Amex must be desperate....

Red1Blue — Fri, 11 Mar 2022 21:03:30 GMT

Hi @0ooo0 Congrats on your Amex Approval

Re: Amex must be desperate....

CreditAggie — Fri, 11 Mar 2022 21:19:06 GMT

Congratulations on your Amex approval!

Re: Amex must be desperate....

Elpadrino1 — Fri, 11 Mar 2022 21:20:20 GMT

Congratulations on your approval!!

Re: Amex must be desperate....

MasonK — Fri, 11 Mar 2022 22:49:04 GMT

Congrats on getting back into the Amex family!

Re: Amex must be desperate....

gdale6 — Sat, 12 Mar 2022 16:19:30 GMT

Grats on getting back in the Amex door

Re: Amex must be desperate....

HeavyResist — Sat, 12 Mar 2022 20:00:26 GMT

Massive win on that one @0ooo0 , I can only hope for such good luck next year when I apply.

Re: Amex must be desperate....

LADave — Sun, 13 Mar 2022 00:47:54 GMT

Congrats @0ooo0 on your Amex Preferred Cash Rewards approval with the nice SL! I can imagine it feels great to be back in their system.

Just so we have another data point for your approval - did Amex's pre-qualification page give you a positive indication before you applied, or did you just go for it?

Re: Amex must be desperate....

SouthJamaica — Sun, 13 Mar 2022 14:45:09 GMT

@0ooo0 wrote:
Amex was IIB for a significant amount, so I was blacklisted for more than 10 years. I applied several times, and was constantly denied due to prior relationship.

Last night, I applied for a Preferred Cash Rewards, and got approved for 5k. Yay 👍

Congratulations. They've finally seen the light

Re: Amex must be desperate....

cashorcharge — Sun, 13 Mar 2022 19:13:40 GMT

LOL!! Congratulations on your AMEX Approval!! 🎉🥂👏

Re: Amex must be desperate....

bigseegar — Mon, 14 Mar 2022 11:36:25 GMT

Congrats! I was Blacklisted 20 years before I got back in and mine didn't include BK or even owing AmEx money (long story that elsewhere on here). But once back in their good graces I now have 6 AmEx cards, 3 chargers and 3 credit. Feels good to be back in for sure.

Re: Amex must be desperate....

pizzadude — Mon, 14 Mar 2022 13:53:06 GMT

Can you share approx how much you owed them previously ? No idea how / when they decide to let people back in who've burned them but you're approved so congrats !

Re: Amex must be desperate....

MartyWrite75 — Mon, 14 Mar 2022 14:29:13 GMT

Congratulations on your approval!

Re: Amex must be desperate....

0ooo0 — Tue, 15 Mar 2022 23:03:12 GMT

@LADave wrote:
Congrats @0ooo0 on your Amex Preferred Cash Rewards approval with the nice SL! I can imagine it feels great to be back in their system.

Just so we have another data point for your approval - did Amex's pre-qualification page give you a positive indication before you applied, or did you just go for it?

Hi LADave, I went to the pre-qual page first, but nothing for me.

Then I decided to apply because as everyone knows, Amex will not do a hp if my app will be denied if I'm still blacklisted.

Re: Amex must be desperate....

0ooo0 — Tue, 15 Mar 2022 22:56:49 GMT

@pizzadude wrote:
Can you share approx how much you owed them previously ? No idea how / when they decide to let people back in who've burned them but you're approved so congrats !

Thanks pizzadude. It's 20k

Re: Amex must be desperate....

0ooo0 — Tue, 15 Mar 2022 23:00:24 GMT

Before my bk filing, at the height of the credit crunch, Amex cut my credit lines. Just curious if Amex still do this? If yes, it might not be worth keeping this card open.

Re: Amex must be desperate....

LADave — Wed, 16 Mar 2022 13:52:18 GMT

@0ooo0 wrote:
@LADave wrote:
Congrats @0ooo0 on your Amex Preferred Cash Rewards approval with the nice SL! I can imagine it feels great to be back in their system.

Just so we have another data point for your approval - did Amex's pre-qualification page give you a positive indication before you applied, or did you just go for it?
Hi LADave, I went to the pre-qual page first, but nothing for me.
Then I decided to apply because as everyone knows, Amex will not do a hp if my app will be denied if I'm still blacklisted.

I wasn't actually aware of this, but it makes perfect sense (and I'm guessing it's probably an industry practice?).

I burned Amex more than a decade ago, and haven't seen any pre-approvals from them since I began trying several months ago.

I might consider applying again without a pre-approval in the not-too-distant future. Thanks for this info!

Re: Amex must be desperate....

MCM1 — Thu, 17 Mar 2022 23:19:45 GMT

How long had it been since you had been on the blacklist. My former wife opened an account after our divorce and it was charged off in 2008. I am wondering if they will still hold that against me.