topic Re: Amex Let Me Come Back in Credit Card Approvals

Amex Let Me Come Back

mrsno — Mon, 21 Aug 2023 06:29:47 GMT

Amex is amazing at second chances and they've given me two.

I first got an Amex Green Card in 1995 when I was in high school. I filled out a paper application (lied about my income) and mailed it in. They then sent me a card. I was terribly irresponsible with this card and within a year I defaulted. I ignored it for a while and finally paid it off in 2002.

Then in 2009 I decided to apply for a Green Card and got approved. In 2014 I got a Blue Cash EveryDay with a 20K CL. Credit score at this time was in the upper 700's. In 2016 I lost my job and strugged to find a new job and fell behind and defaulted on Amex again in 2017 with a total balance of 19K between the two cards.

I finally got a good job in my career again in 2019 and in 2020 I made arrangements to pay off Amex with an Optima offer. Three years later, in Marcho of this year, I finally paid off the 19K. After reading reviews about the Optima card, I went ahead and declined the offer. I'm glad I did.

I'm still recovering from my 2017 disaster with a score in the upper 600's now. So this month I thought I'd take a chance and apply for the Amex EveryDay and was approved with a $1K. Not the kind of CL I used to have, but I guess I'm just glad to be back after such a long rocky history. My new EverDay card still says "Member Since 96."

Re: Amex Let Me Come Back

JoeRockhead — Mon, 21 Aug 2023 09:10:04 GMT

Congratulations on your approval!

Re: Amex Let Me Come Back

CreditMagic7 — Mon, 21 Aug 2023 09:12:59 GMT

Very Very Good! Congratulations on your AmEx return approval!

Re: Amex Let Me Come Back

Creditwiser — Mon, 21 Aug 2023 13:03:53 GMT

Heck of a struggle but you're back in ! Congrats on your approval !

Re: Amex Let Me Come Back

Jeffster1 — Mon, 21 Aug 2023 13:15:30 GMT

Congrats! 🎉

Re: Amex Let Me Come Back

BigBS — Mon, 21 Aug 2023 13:25:30 GMT

Congrats on the approval!

Re: Amex Let Me Come Back

CreditAggie — Mon, 21 Aug 2023 21:57:41 GMT

Congratulations on your Amex approval!

Re: Amex Let Me Come Back

FireMedic1 — Mon, 21 Aug 2023 22:01:14 GMT

Congrats!

Re: Amex Let Me Come Back

KingRue8500 — Tue, 22 Aug 2023 01:36:01 GMT

Congrats on your AMEX EveryDay approval

Re: Amex Let Me Come Back

firefox100 — Tue, 22 Aug 2023 21:34:20 GMT

Congratulations on your everyday approval and getting back in with AMex.

Re: Amex Let Me Come Back

nytokyobred79 — Wed, 23 Aug 2023 04:37:52 GMT

Congrats. That's an awesome comeback story. I was in a similar boat with Amex with a green card and blue student card back in my uni days (99). Glad to hear they've given you another chance 😊

Re: Amex Let Me Come Back

NoMoreDebt — Sat, 26 Aug 2023 12:38:16 GMT

Congrats on your approval

Re: Amex Let Me Come Back

SouthJamaica — Sat, 26 Aug 2023 15:19:13 GMT

@mrsno wrote:
Amex is amazing at second chances and they've given me two.

I first got an Amex Green Card in 1995 when I was in high school. I filled out a paper application (lied about my income) and mailed it in. They then sent me a card. I was terribly irresponsible with this card and within a year I defaulted. I ignored it for a while and finally paid it off in 2002.

Then in 2009 I decided to apply for a Green Card and got approved. In 2014 I got a Blue Cash EveryDay with a 20K CL. Credit score at this time was in the upper 700's. In 2016 I lost my job and strugged to find a new job and fell behind and defaulted on Amex again in 2017 with a total balance of 19K between the two cards.

I finally got a good job in my career again in 2019 and in 2020 I made arrangements to pay off Amex with an Optima offer. Three years later, in Marcho of this year, I finally paid off the 19K. After reading reviews about the Optima card, I went ahead and declined the offer. I'm glad I did.

I'm still recovering from my 2017 disaster with a score in the upper 600's now. So this month I thought I'd take a chance and apply for the Amex EveryDay and was approved with a $1K. Not the kind of CL I used to have, but I guess I'm just glad to be back after such a long rocky history. My new EverDay card still says "Member Since 96."

Congratulations on the approval.

Don't worry about the starting limit; Amex is good with soft pull CLI's.

Re: Amex Let Me Come Back

DatBoiQuick — Sat, 26 Aug 2023 23:58:57 GMT

Why did you get rid of your OLLO credit card? isnt that a uncapped 2.5%?

Re: Amex Let Me Come Back

mrsno — Sun, 27 Aug 2023 19:30:50 GMT

The Ollo was converted to Ally. I updated my footer to make that clearer.

Re: Amex Let Me Come Back

docbang — Sun, 27 Aug 2023 19:43:10 GMT

Same card AMEX approved me back in March, BUT about 2 weeks ago I tried for the BLUE CASH everyday and was turn down, called RECON and she ask me want happened to my BK Ch7 back in 2010, their notes in their system says "pending" or "no conclusion" and I told her that is was DISCHARGE, she updated my file and I was told to reapply again in 3 months for the BCE, she said "give the annotaions some time to process".

Re: Amex Let Me Come Back

mrsno — Sun, 27 Aug 2023 21:39:21 GMT

Would love to hear how that turns out. Never had BK and I'd love to get the BCE eventually. Had that card before and loved it.

Re: Amex Let Me Come Back

NoMoreE46 — Wed, 30 Aug 2023 01:55:00 GMT

Wow like you said- twice. Glad you are doing well again and appreciate the details @mrsno !

Obviously, paying back the debts from 2002 allowed you to get back in - in 2009 and paying back your 2017 debt this March has opened the door today.

@mrsno wrote:
Amex is amazing at second chances and they've given me two.

I first got an Amex Green Card in 1995 when I was in high school. I filled out a paper application (lied about my income) and mailed it in. They then sent me a card. I was terribly irresponsible with this card and within a year I defaulted. I ignored it for a while and finally paid it off in 2002.

Then in 2009 I decided to apply for a Green Card and got approved. In 2014 I got a Blue Cash EveryDay with a 20K CL. Credit score at this time was in the upper 700's. In 2016 I lost my job and strugged to find a new job and fell behind and defaulted on Amex again in 2017 with a total balance of 19K between the two cards.

I finally got a good job in my career again in 2019 and in 2020 I made arrangements to pay off Amex with an Optima offer. Three years later, in Marcho of this year, I finally paid off the 19K. After reading reviews about the Optima card, I went ahead and declined the offer. I'm glad I did.

I'm still recovering from my 2017 disaster with a score in the upper 600's now. So this month I thought I'd take a chance and apply for the Amex EveryDay and was approved with a $1K. Not the kind of CL I used to have, but I guess I'm just glad to be back after such a long rocky history. My new EverDay card still says "Member Since 96."

Re: Amex Let Me Come Back

cashorcharge — Thu, 31 Aug 2023 23:30:36 GMT

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Amex Let Me Come Back

mrsno — Tue, 17 Jun 2025 03:56:24 GMT

Don't worry about the starting limit; Amex is good with soft pull CLI's.

Following up on this almost two years later and you were right. That $1K Cl is now $18,500. All soft pull CLI's.

CLI History:
Start 8/5/2023 - $1,000
6/6/24 - $7,500.00
9/10/24 - $12,500.00
12/14/24 - $14,300.00
4/19/25 - $18,500.00