topic Re: Amex Platinum approval after being blacklisted in Credit Card Approvals

Amex Platinum approval after being blacklisted

Merzeng — Tue, 11 Apr 2023 13:24:26 GMT

Hello all,

I had two Amex cards went charged off in 2019. One for $2300, other one $8900. I paid the smaller one in full in November 2022, but the other one was with a collection agency and I couldn't pay in full. It was setteled for 75%. I called Amex so many times to pay the remaining balance so they let me in, but they could'nt do that. Any time I applied I got the "previous card was cnceled" message. One last time I called the collection department and spoke with a very nice gentleman and asked for the Optima card. He spoked with other departments and got back to me and told me that they cannot offer me the Optima, but I can apply for the Gold card or the BCE next month, and if my credit score is good I should be good to go. I applied after a few weeks when my Experian credit score was 680, I got denied, but this time the message was different and it was about my credit score. My Experian score got updated the week after to 708, I applied the week after and got approved for the BCE. I applied for the Gold card the same day and got approved again (3/10). I applied for the Platinum two days after (3/12), application was under review, they asked for financial review, and rejected me for short history with Amex. Today I applied again after 31 day and got approved for the Platinum. Credit score is 704, it was a soft pull, and income is 167K.

Hope this information help.

Re: Amex Platinum approval after being blacklisted

JoeRockhead — Tue, 11 Apr 2023 13:38:07 GMT

Always nice to see a happy ending, well done, congratulations all around!

Re: Amex Platinum approval after being blacklisted

MartyWrite75 — Tue, 11 Apr 2023 13:43:20 GMT

Congratulations on your approval!

Re: Amex Platinum approval after being blacklisted

alextercero — Tue, 11 Apr 2023 13:51:01 GMT

Congrats on your approval!

Re: Amex Platinum approval after being blacklisted

coreyb80 — Tue, 11 Apr 2023 15:15:12 GMT

Congrats on the approval!

Re: Amex Platinum approval after being blacklisted

SouthJamaica — Tue, 11 Apr 2023 15:46:59 GMT

@Merzeng wrote:
Hello all,
I had two Amex cards went charged off in 2019. One for $2300, other one $8900. I paid the smaller one in full in November 2022, but the other one was with a collection agency and I couldn't pay in full. It was setteled for 75%. I called Amex so many times to pay the remaining balance so they let me in, but they could'nt do that. Any time I applied I got the "previous card was cnceled" message. One last time I called the collection department and spoke with a very nice gentleman and asked for the Optima card. He spoked with other departments and got back to me and told me that they cannot offer me the Optima, but I can apply for the Gold card or the BCE next month, and if my credit score is good I should be good to go. I applied after a few weeks when my Experian credit score was 680, I got denied, but this time the message was different and it was about my credit score. My Experian score got updated the week after to 708, I applied the week after and got approved for the BCE. I applied for the Gold card the same day and got approved again (3/10). I applied for the Platinum two days after (3/12), application was under review, they asked for financial review, and rejected me for short history with Amex. Today I applied again after 31 day and got approved for the Platinum. Credit score is 704, it was a soft pull, and income is 167K.
Hope this information help.

Congratulations on the approval.

Re: Amex Platinum approval after being blacklisted

Epiki71 — Tue, 11 Apr 2023 15:47:18 GMT

OP,

Nice job, congrats on the approval.

Re: Amex Platinum approval after being blacklisted

M_Smart007 — Tue, 11 Apr 2023 16:47:12 GMT

Congrats on your Approval!

Re: Amex Platinum approval after being blacklisted

CreditMagic7 — Tue, 11 Apr 2023 17:06:28 GMT

Congratulations on your AmEx approval!

Re: Amex Platinum approval after being blacklisted

gingerflower — Tue, 11 Apr 2023 17:43:57 GMT

Congratulations!

Re: Amex Platinum approval after being blacklisted

fury1995 — Tue, 11 Apr 2023 17:53:18 GMT

Congrats on all three. I guess this is more evidence that Amex is becoming more lenient with previously blacklisted credit profiles.

Thanks for the data points.

Re: Amex Platinum approval after being blacklisted

markhs777 — Tue, 11 Apr 2023 20:33:11 GMT

Well done, Amex has acquired a forgiving nature after all these years.

Re: Amex Platinum approval after being blacklisted

MarkintheHV — Tue, 11 Apr 2023 20:40:48 GMT

@fury1995 wrote:
Congrats on all three. I guess this is more evidence that Amex is becoming more lenient with previously blacklisted credit profiles.

Thanks for the data points.

I have noticed that Amex is becoming more lenient. I burned them back in 2011, and never made it right with them, and they let me back in last year.

Re: Amex Platinum approval after being blacklisted

NoMoreDebt — Wed, 12 Apr 2023 00:03:38 GMT

congrats on the AMEX approvals

Re: Amex Platinum approval after being blacklisted

Traveler101 — Wed, 12 Apr 2023 00:50:59 GMT

Congratulations 🎊

Re: Amex Platinum approval after being blacklisted

CreditAggie — Wed, 12 Apr 2023 03:07:53 GMT

Congratulations on your Amex Platinum approval!

Re: Amex Platinum approval after being blacklisted

firefox100 — Wed, 12 Apr 2023 17:23:49 GMT

First congrats on getting back with Amex enjoy it. I burnt Amex back 2000 for around 20K never paid do not get any more collection call or letters from them or any one else about the Amex debt. I have tried several times over past years no go, may try again some time next year don't want any hp's on reports. I allso thank that AMeX may be changing they want business and most of other banks let customers bank in after some time. They are not what thea use to be mow they lend to masses, back in the 70's and 80's if you got an Amex card you had strong credit profile and above average income wealth.

Re: Amex Platinum approval after being blacklisted

Zoostation1 — Thu, 13 Apr 2023 04:22:40 GMT

@MarkintheHV wrote:
@fury1995 wrote:
Congrats on all three. I guess this is more evidence that Amex is becoming more lenient with previously blacklisted credit profiles.

Thanks for the data points.
I have noticed that Amex is becoming more lenient. I burned them back in 2011, and never made it right with them, and they let me back in last year.

I tend to agree. I didn't burn them in my BK7 but was fully expecting a $1k SL when I got my BCP only a couple months after their 61mo from filing waiting period...got a $5k SL instead which was my highest since starting the rebuild.

Re: Amex Platinum approval after being blacklisted

AMEXLIFE — Thu, 13 Apr 2023 21:23:47 GMT

How do you have your cards appear below your user profile in the post?

Re: Amex Platinum approval after being blacklisted

Jeffster1 — Thu, 13 Apr 2023 22:07:36 GMT

Congrats on getting back in with Amex! It's a great feeling. I know that when I filed in 2017, I pretty much decided I would never have another Amex card and I was resigned to that. 61 months later, I was back in. I remember that great feeling. CONGRATS AGAIN!