topic Re: Still AMEX blacklisted in Credit Card Applications

Still AMEX blacklisted

ccpat — Wed, 20 Jan 2016 17:37:33 GMT

I had a $7000 Amex discharge over 8 years ago and I received the message below when I app'd for a Blue. No Inq either. Will this ever go away????

Thank you for applying for the Blue Cash EverydayÂ® from American Express. We're writing to let you know we cannot approve your application at this time because American Express cancelled your previous accounts.

If you have any questions, please call 1-800-567-1083 or write to us at the address above. You may qualify for a new Card in the future and are welcome to submit an application at a later date. You can also learn more about managing your credit at Thank you for applying for the Blue Cash EverydayÂ® from American Express. We're writing to let you know we cannot approve your application at this time because American Express cancelled your previous accounts.
Â
If you have any questions, please call 1-800-567-1083 or write to us at the address above. You may qualify for a new Card in the future and are welcome to submit an application at a later date. You can also learn more about managing your credit at americanexpress.com/consumerresources.
Â
Thank you for your interest in American Express.
Â
Sincerely,
Â
Donna Visco
VP, Global New Accounts
We've provided an important notice below concerning your rights. The creditor is American Express Centurion Bank.

Thank you for your interest in American Express.

Sincerely,

Donna Visco

VP, Global New Accounts

We've provided an important notice below concerning your rights. The creditor is American Express Centurion Bank.

Re: Still AMEX blacklisted

Saleen099 — Wed, 20 Jan 2016 17:47:45 GMT

That message will go away once you pay it and then you probably have to wait a little bit before they will consider let you back in. I've been waiting for 16+ years and they still won't let me back you. So my suggestion is that you start paying them back and then maybe they might let you back you.

Re: Still AMEX blacklisted

ryox03 — Wed, 20 Jan 2016 17:53:57 GMT

I finished paying a settlement with them for a 10k CO last year, paid them off, and was approved for the below for probably no more than 6 or 7 months later if memory serves me right.

Re: Still AMEX blacklisted

Anonymous — Wed, 20 Jan 2016 18:05:52 GMT

Hahah I keep testing the waters with them for fun. I burnt them for 2k a while back and it already is off my report. I find it interesting that Cap1 took me to court for their $$$ which I paid via a pay off plan before court happened but Amex really just let it go. Would be nice to get a get out of jail free card with them for my one stupid mistake but I may suck it up and one day just pay them off.

Re: Still AMEX blacklisted

ryox03 — Wed, 20 Jan 2016 19:57:42 GMT

@Anonymous wrote:
Hahah I keep testing the waters with them for fun. I burnt them for 2k a while back and it already is off my report. I find it interesting that Cap1 took me to court for their $$$ which I paid via a pay off plan before court happened but Amex really just let it go. Would be nice to get a get out of jail free card with them for my one stupid mistake but I may suck it up and one day just pay them off.

It's not that so much as they just keep their AR internal. My main motivation to get back with Amex was in order to qualify for a corporate Amex in the chance I some day end up running a department at my company.

Re: Still AMEX blacklisted

Anonymous — Thu, 21 Jan 2016 00:23:38 GMT

Amex was included in my BK, and they let me back in. It only took 33 years.

Re: Still AMEX blacklisted

Saleen099 — Thu, 21 Jan 2016 00:39:09 GMT

@Anonymous wrote:
Amex was included in my BK, and they let me back in. It only took 33 years.

O.O

Re: Still AMEX blacklisted

Anonymous — Thu, 21 Jan 2016 00:44:40 GMT

@Anonymous wrote:
Amex was included in my BK, and they let me back in. It only took 33 years.

Sorry but wait a sec...you were one of the elusive AmEx holders during the 1980's in their glory days! To quote Pretty in Pink, John Hughes, "How would you like to pay, American Express Platinum?" Said Molly to the rich kid.

Sorry OP.

Re: Still AMEX blacklisted

Anonymous — Thu, 21 Jan 2016 00:56:44 GMT

@Anonymous wrote:
@Anonymous wrote:
Amex was included in my BK, and they let me back in. It only took 33 years.
Sorry but wait a sec...you were one of the elusive AmEx holders during the 1980's in their glory days! To quote Pretty in Pink, John Hughes, "How would you like to pay, American Express Platinum?" Said Molly to the rich kid.

Sorry OP.

I got a Green card in 1980. I whipped that puppy out at every opportunity!

Re: Still AMEX blacklisted

UncleB — Thu, 21 Jan 2016 12:54:28 GMT

@ryox03 wrote:
@Anonymous wrote:
Hahah I keep testing the waters with them for fun. I burnt them for 2k a while back and it already is off my report. I find it interesting that Cap1 took me to court for their $$$ which I paid via a pay off plan before court happened but Amex really just let it go. Would be nice to get a get out of jail free card with them for my one stupid mistake but I may suck it up and one day just pay them off.
It's not that so much as they just keep their AR internal. My main motivation to get back with Amex was in order to qualify for a corporate Amex in the chance I some day end up running a department at my company.

This might depend on the company, but I included Amex in a BK7 back in the spring of 2000, and a few months later (literally - I'm not even sure I was discharged yet) I got an Amex corporate card. As a data point, my employer at the time was a very large Fortune 100 company, so that might have made a difference.

I was very nervous about the whole thing (what a way to start off a new position, right?) but it turned out OK. Later I mentioned this to a coworker, and I was pleasantly surprised to find out he had been concerned about his application as well.

Re: Still AMEX blacklisted

ryox03 — Thu, 21 Jan 2016 13:16:50 GMT

@UncleB wrote:
@ryox03 wrote:
@Anonymous wrote:
Hahah I keep testing the waters with them for fun. I burnt them for 2k a while back and it already is off my report. I find it interesting that Cap1 took me to court for their $$$ which I paid via a pay off plan before court happened but Amex really just let it go. Would be nice to get a get out of jail free card with them for my one stupid mistake but I may suck it up and one day just pay them off.
It's not that so much as they just keep their AR internal. My main motivation to get back with Amex was in order to qualify for a corporate Amex in the chance I some day end up running a department at my company.

This might depend on the company, but I included Amex in a BK7 back in the spring of 2000, and a few months later (literally - I'm not even sure I was discharged yet) I got an Amex corporate card. As a data point, my employer at the time was a very large Fortune 100 company, so that might have made a difference.

I was very nervous about the whole thing (what a way to start off a new position, right?) but it turned out OK. Later I mentioned this to a coworker, and I was pleasantly surprised to find out he had been concerned about his application as well.

I had read into it and I seem to remember hearing that there can be a difference and the size of your company might have been it. They may back the debt so the risk is on the company and not the individual. I remember reading people being denied for the corporate card and that having negative consequences. Credit is a factor in everything these days.

Re: Still AMEX blacklisted

UncleB — Thu, 21 Jan 2016 15:08:00 GMT

@ryox03 wrote:
@UncleB wrote:
@ryox03 wrote:
@Anonymous wrote:
Hahah I keep testing the waters with them for fun. I burnt them for 2k a while back and it already is off my report. I find it interesting that Cap1 took me to court for their $$$ which I paid via a pay off plan before court happened but Amex really just let it go. Would be nice to get a get out of jail free card with them for my one stupid mistake but I may suck it up and one day just pay them off.
It's not that so much as they just keep their AR internal. My main motivation to get back with Amex was in order to qualify for a corporate Amex in the chance I some day end up running a department at my company.

This might depend on the company, but I included Amex in a BK7 back in the spring of 2000, and a few months later (literally - I'm not even sure I was discharged yet) I got an Amex corporate card. As a data point, my employer at the time was a very large Fortune 100 company, so that might have made a difference.

I was very nervous about the whole thing (what a way to start off a new position, right?) but it turned out OK. Later I mentioned this to a coworker, and I was pleasantly surprised to find out he had been concerned about his application as well.
I had read into it and I seem to remember hearing that there can be a difference and the size of your company might have been it. They may back the debt so the risk is on the company and not the individual. I remember reading people being denied for the corporate card and that having negative consequences. Credit is a factor in everything these days.

My corporate card was definitely backed/guaranteed by the company. The company was extremely strict about it's usage; usage for personal charges was absolutely not tolerated, even if you immediately paid the bill. They even had a 'process' set up for if someone used their corporate card 'by accident' instead of their personal Amex account - the corporate card dept. could actually 'move' the charge from one card to another, but your boss's boss (at a minimum) had to get involved - needless to say, folks were very careful.

The corporate card never appeared on my personal credit, and if accounts payable was late paying the bill nothing 'bad' happened. The only thing close to "AA" was if you were 30 days past due you couldn't use the card for new charges, and after three billing cycles the balance was automatically charged to your organization and the card would be closed. More than once my boss was slow to voucher her charges and her card stopped working... she would simply get me or a co-worker use our card until her's was cleared up (technically against the 'rules' since she approved our vouchers, but as long as it wasn't abused this rule was rarely enforced).

At the time I had to do a good bit of traveling, and being literally right out of bankruptcy I didn't have the means to cover the charges myself, so the corporate card was genuinely necessary. If I were in that situation now (with my current cards), I would refuse a corporate card and simply use my own. As long as you kept good records it would be easier (for me it would, anyway) and it would allow you to earn rewards on the charges (my company prohibited all corporate cards from being in the MR program).

Re: Still AMEX blacklisted

ryox03 — Thu, 21 Jan 2016 15:12:44 GMT

@UncleB wrote:

At the time I had to do a good bit of traveling, and being literally right out of bankruptcy I didn't have the means to cover the charges myself, so the corporate card was genuinely necessary. If I were in that situation now (with my current cards), I would refuse a corporate card and simply use my own. As long as you kept good records it would be easier (for me it would, anyway) and it would allow you to earn rewards on the charges (my company prohibited all corporate cards from being in the MR program).

This is EXACTLY why I apped for the PRG and the ED. I could keep the charges seperate from the majority of my personal stuff and just keep the receipts and get my reimbursment from accounts payable direct deposited at the latest by the next pay check all while racking up points from hotels, to meals, to mileage. Look forward to using it.

Re: Still AMEX blacklisted

2peaches2oranges — Sun, 24 Jan 2016 20:41:43 GMT

I am in the same boat as you. Discharged/burned over $25K of Delta AMEX in Dec 2009. I applied for the Costco AMEX in 2014 and today, attempted the EveryDay AMEX and the same letter you displayed.

I think I have learned my lesson and will save my hard pulls for non-Amex cards in the future.

Re: Still AMEX blacklisted

2peaches2oranges — Thu, 28 Jan 2016 02:53:21 GMT

Today, (after rejection of the EveryDay card over the weekend) I got an email from Amex offering me their prepaid SERVE card.

You recently applied for a product from AECB. Although we are unable to offer you that product at this time, we invite you to consider the American Express Serve® Card, issued by American Express Travel Related Services Company, Inc. Enjoy Benefits of Membership with American Express Serve® American Express Serve® Cash Back is a Prepaid Debit Account that brings you the benefits of Membership and can help you manage your money easily. Plus, you’ll earn 1% Cash Back on purchases.¹

I will PASS.

Re: Still AMEX blacklisted

Anonymous — Thu, 28 Jan 2016 03:25:09 GMT

Well I was blacklisted for credit one LOL.

I filled out the APP too. they didnt even HP me just instanty denied for my charge off in 2012, that I paid and is off my CR.

I'm hoping one day they will let me back in /sarcasm LOL

Re: Still AMEX blacklisted

ryox03 — Thu, 28 Jan 2016 12:35:39 GMT

@2peaches2oranges wrote:
I am in the same boat as you. Discharged/burned over $25K of Delta AMEX in Dec 2009. I applied for the Costco AMEX in 2014 and today, attempted the EveryDay AMEX and the same letter you displayed.

I think I have learned my lesson and will save my hard pulls for non-Amex cards in the future.

It seems if you entered and completed a payment agreement with them it gives you the chance to get back in.

Re: Still AMEX blacklisted

Anonymous — Thu, 28 Jan 2016 23:02:52 GMT

@Anonymous wrote:
Amex was included in my BK, and they let me back in. It only took 33 years.

Geez, guess I shouldn't apply anytime soon then. lol

Re: Still AMEX blacklisted

sjt — Sun, 31 Jan 2016 00:11:22 GMT

@Saleen099 wrote:
That message will go away once you pay it and then you probably have to wait a little bit before they will consider let you back in. I've been waiting for 16+ years and they still won't let me back you. So my suggestion is that you start paying them back and then maybe they might let you back you.

Once you pay them in full then you should be able to apply. Sometimes you have to wait until it updates in their system though.