topic Re: Back in with AmEx in Credit Card Approvals

Back in with AmEx

pbtxlady — Mon, 16 Feb 2026 01:01:11 GMT

I didn't intend to do this yet--just wanted to see if I was still blacklisted--but somehow my finger just didn't listen and pushed the accept button. Approved for BCP, SL 9900.

ETA: Double pull, TU and EXP.

My charge-off with AmEx was a BCE, back in early 2018, so I've been blacklisted just short of 8 years. This approval signals the last vestige of a very tough time.

Re: Back in with AmEx

Jeffster1 — Sun, 15 Feb 2026 20:21:28 GMT

Congrats. Getting back in with Amex is a milestone.

Re: Back in with AmEx

SilentTraveler — Sun, 15 Feb 2026 22:59:18 GMT

Congratulations on getting back in with Amex.

I have a completely unscientific method of knowing I am still black listed with Amex. After filing, all other bank and credit accounts disappeared from the respective apps. Except Amex. When I open the Amex app they still show my Amex Platinum (with my annual fee) and my Delta Reserve with outstanding balance. Of course there is a large red banner saying "This account is cancelled". So I am guessing that as long as my old accounts are still showing after 3 years their computer will not show me kindness...

Re: Back in with AmEx

pbtxlady — Mon, 16 Feb 2026 01:03:54 GMT

No, I wouldn't expect any love from them after just 3 years. Sorry.

They actually removed my c/o from my reports after 5 years, but they kept calling me until about a year ago. I've heard tales of 10 or more years.

Re: Back in with AmEx

reluctantgarden — Mon, 16 Feb 2026 01:43:49 GMT

Congrats! Good limit and a very useful card.

Re: Back in with AmEx

Cowboys4Life — Mon, 16 Feb 2026 04:57:05 GMT

Congratulations! I burned them in BK in 2018 but got back in with them last year with a Delta AMEX Gold. CL not as robust as yours but I am back in good standing.

Re: Back in with AmEx

JoeRockhead — Mon, 16 Feb 2026 13:34:13 GMT

That's a nice SL, congratulations on getting back in with AMEX!

Re: Back in with AmEx

PayAndProsper — Mon, 16 Feb 2026 14:13:41 GMT

Congrats on getting back in threre!

Re: Back in with AmEx

JR_TX — Mon, 16 Feb 2026 17:02:50 GMT

Congrats on getting back in with them!!

So you burned them for less than $5K with not a penny of repayment I'm assuming?

Re: Back in with AmEx

pizzadude — Mon, 16 Feb 2026 17:17:52 GMT

@pbtxlady wrote:
I didn't intend to do this yet--just wanted to see if I was still blacklisted--but somehow my finger just didn't listen and pushed the accept button. Approved for BCP, SL 9900.

ETA: Double pull, TU and EXP.

My charge-off with AmEx was a BCE, back in early 2018, so I've been blacklisted just short of 8 years. This approval signals the last vestige of a very tough time.

Thanks for the data points, interesting that they did a double HP. Guess they wanted to be really sure before they let you back in but getting a SL of almost $10K from them is great, congrats!

Re: Back in with AmEx

coreyb80 — Mon, 16 Feb 2026 18:42:05 GMT

Congrats on the approval!

Re: Back in with AmEx

pbtxlady — Mon, 16 Feb 2026 21:48:14 GMT

Thanks, y'all.

Actually my c/o was around $6,000. And yes, I was unable to repay. I'm grateful for a second chance.

Re: Back in with AmEx

MikeyM — Fri, 20 Feb 2026 17:36:18 GMT

congrats on getting back in!

Re: Back in with AmEx

JimmiS — Fri, 20 Feb 2026 18:03:28 GMT

It's been since 2011 for me. 18k on an Optima Card. Even collections says I should have been reinstated but so far no one can figure out how to do it without it happening automatically.

Re: Back in with AmEx

cashorcharge — Sat, 21 Feb 2026 17:43:37 GMT

Congratulations on your Approval!!👏🏼🍾🥂