topic Re: AmX Blacklist and Offer in Credit Card Applications

AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 19:35:47 GMT

Well, I knew I was on the blacklist, but decided to apply for one of their cards. It would be no hard pull if I was blacklisted and oops there it was. Denied! That was two days ago and then yesterday I received an offer to apply for their secured card, Serve. Interesting...

(For those of you who haven't seen any of my posts on this, AmX was included in my Chapter 13 in 2008. When I was denied, there was a note that said I might be able to apply in the future.)

I am not interested in a secured card of any kind anymore, but thought this was an interesting data point for AmX. Anyone else have this experience?

The only other list I am on is Wells Fargo and I have no interest in any of their products.

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 20:49:30 GMT

Sorry to hear and thanks for sharing. Hang in there..

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 20:54:32 GMT

@Anonymous wrote:
Sorry to hear and thanks for sharing. Hang in there..

Thanks, Yes-Its-Me. I am not unhappy at all. Just testing the waters. I thought it might be useful to share. With a Chapter 13, you just never know. Actually, when I app again it will be a credit union. I am so happy with my credit union relationships.

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 20:58:00 GMT

@Anonymous wrote:
@Anonymous wrote:
Sorry to hear and thanks for sharing. Hang in there..
Thanks, Yes-Its-Me. I am not unhappy at all. Just testing the waters. I thought it might be useful to share. With a Chapter 13, you just never know. Actually, when I app again it will be a credit union. I am so happy with my credit union relationships.

I am glad to hear you are just testing the waters. I really hope you can get in again soon and will keep fingers crossed for you.. I agree when it comes the CUs. Penfed has become my favorite CU to date.

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 21:01:29 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Sorry to hear and thanks for sharing. Hang in there..
Thanks, Yes-Its-Me. I am not unhappy at all. Just testing the waters. I thought it might be useful to share. With a Chapter 13, you just never know. Actually, when I app again it will be a credit union. I am so happy with my credit union relationships.
I am glad to hear you are just testing the waters. I really hope you can get in again soon and will keep fingers crossed for you.. I agree when it comes the CUs. Penfed has become my favorite CU to date.

I PenFed!

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 21:04:07 GMT

Sorry this happened, musiclover. I really do think you will be able to get back in with them after a few more years if you so choose. There are an increasing number of posts regarding people doing that.

Possibly take a look at those posts and see the average length of time before they can get back in. I bet it is right around 10-12 years for most who were successful in doing so.

Re: AmX Blacklist and Offer

creditguy — Tue, 12 Apr 2016 21:10:19 GMT

Serve is a prepaid debit card basically and not a secured card.

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 21:43:07 GMT

@Anonymous wrote:
Sorry this happened, musiclover. I really do think you will be able to get back in with them after a few more years if you so choose. There are an increasing number of posts regarding people doing that.

Possibly take a look at those posts and see the average length of time before they can get back in. I bet it is right around 10-12 years for most who were successful in doing so.

Thanks, humu!

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 21:45:07 GMT

@creditguy wrote:
Serve is a prepaid debit card basically and not a secured card.

You are right, creditguy. I knew that. I think in my mind I put it in the same category.

Re: AmX Blacklist and Offer

creditguy — Tue, 12 Apr 2016 21:53:07 GMT

A secured card offer would have been ok like how BofA does, but that serve is garbage it's like a sorry here's a salt in the wound offer. Your better off without Amex, their loss.

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 21:55:06 GMT

@creditguy wrote:
A secured card offer would have been ok like how BofA does, but that serve is garbage it's like a sorry here's a salt in the wound offer. Your better off without Amex, their loss.

That is exactly how I felt!

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 22:25:14 GMT

@Anonymous wrote:
@creditguy wrote:
A secured card offer would have been ok like how BofA does, but that serve is garbage it's like a sorry here's a salt in the wound offer. Your better off without Amex, their loss.
That is exactly how I felt!

It's like the Contour Debit card by US Bank. None of us need that

Re: AmX Blacklist and Offer

Bone35 — Tue, 12 Apr 2016 23:11:07 GMT

@Anonymous wrote:
Well, I knew I was on the blacklist, but decided to apply for one of their cards. It would be no hard pull if I was blacklisted and oops there it was. Denied! That was two days ago and then yesterday I received an offer to apply for their secured card, Serve. Interesting...

(For those of you who haven't seen any of my posts on this, AmX was included in my Chapter 13 in 2008. When I was denied, there was a note that said I might be able to apply in the future.)

I am not interested in a secured card of any kind anymore, but thought this was an interesting data point for AmX. Anyone else have this experience?

The only other list I am on is Wells Fargo and I have no interest in any of their products.

Sorry to hear Musiclover

Amex is a weird bird!

We have similar stories and it sucks it hasnt worked out for you yet.

We included Amex in bk at around the same time you did but ours was chapter 7..(Go figure) Like you said in another thread..."you dont even wanna say how much" lol

I too dont want to say, but Ill say this....It was enough for them to show up to our bankruptcy hearing

Last year I said what the hell...Lets give it a shot! Both DW and I were approved instantly.

Only thing I do know is there is light at the end of the tunnel.. It will happen, sooner rather than later......im sure of it!

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 23:16:47 GMT

@Anonymous wrote:
@Anonymous wrote:
@creditguy wrote:
A secured card offer would have been ok like how BofA does, but that serve is garbage it's like a sorry here's a salt in the wound offer. Your better off without Amex, their loss.
That is exactly how I felt!
It's like the Contour Debit card by US Bank. None of us need that

That's the only offer I've ever gotten on US Bank's pre qual site.

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 23:25:12 GMT

@Bone35 wrote:
@Anonymous wrote:
Well, I knew I was on the blacklist, but decided to apply for one of their cards. It would be no hard pull if I was blacklisted and oops there it was. Denied! That was two days ago and then yesterday I received an offer to apply for their secured card, Serve. Interesting...

(For those of you who haven't seen any of my posts on this, AmX was included in my Chapter 13 in 2008. When I was denied, there was a note that said I might be able to apply in the future.)

I am not interested in a secured card of any kind anymore, but thought this was an interesting data point for AmX. Anyone else have this experience?

The only other list I am on is Wells Fargo and I have no interest in any of their products.
Sorry to hear Musiclover

Amex is a weird bird!

We have similar stories and it sucks it hasnt worked out for you yet.

We included Amex in bk at around the same time you did but ours was chapter 7..(Go figure) Like you said in another thread..."you dont even wanna say how much" lol

I too dont want to say, but Ill say this....It was enough for them to show up to our bankruptcy hearing

Last year I said what the hell...Lets give it a shot! Both DW and I were approved instantly.

Only thing I do know is there is light at the end of the tunnel.. It will happen, sooner rather than later......im sure of it!

Now that truly gives me hope. Thank you, Bone!

Re: AmX Blacklist and Offer

Anonymous — Tue, 12 Apr 2016 23:26:17 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@creditguy wrote:
A secured card offer would have been ok like how BofA does, but that serve is garbage it's like a sorry here's a salt in the wound offer. Your better off without Amex, their loss.
That is exactly how I felt!
It's like the Contour Debit card by US Bank. None of us need that
That's the only offer I've ever gotten on US Bank's pre qual site.

I feel your pain.

Re: AmX Blacklist and Offer

myjourney — Wed, 13 Apr 2016 00:00:27 GMT

@Anonymous wrote:
Well, I knew I was on the blacklist, but decided to apply for one of their cards. It would be no hard pull if I was blacklisted and oops there it was. Denied! That was two days ago and then yesterday I received an offer to apply for their secured card, Serve. Interesting...

(For those of you who haven't seen any of my posts on this, AmX was included in my Chapter 13 in 2008. When I was denied, there was a note that said I might be able to apply in the future.)

I am not interested in a secured card of any kind anymore, but thought this was an interesting data point for AmX. Anyone else have this experience?

The only other list I am on is Wells Fargo and I have no interest in any of their products.

Ummm Hmmm

So the other day when I said you had nothing to lose and the surest way to find out if BL was try

No wonder you didn't come back to the thread....ran over to the computer

Sorry you didn't get a approved but glad you now know and there was no HP to find out

Give it some time and they'll be there

Soooo every 6 months try again since it's no HP involved

Re: AmX Blacklist and Offer

Anonymous — Wed, 13 Apr 2016 00:22:18 GMT

@myjourney wrote:
@Anonymous wrote:
Well, I knew I was on the blacklist, but decided to apply for one of their cards. It would be no hard pull if I was blacklisted and oops there it was. Denied! That was two days ago and then yesterday I received an offer to apply for their secured card, Serve. Interesting...

(For those of you who haven't seen any of my posts on this, AmX was included in my Chapter 13 in 2008. When I was denied, there was a note that said I might be able to apply in the future.)

I am not interested in a secured card of any kind anymore, but thought this was an interesting data point for AmX. Anyone else have this experience?

The only other list I am on is Wells Fargo and I have no interest in any of their products.
Ummm Hmmm
So the other day when I said you had nothing to lose and the surest way to find out if BL was try
No wonder you didn't come back to the thread....ran over to the computer

Sorry you didn't get a approved but glad you now know and there was no HP to find out
Give it some time and they'll be there
Soooo every 6 months try again since it's no HP involved

Exactly, my journey!

Re: AmX Blacklist and Offer

Anonymous — Wed, 13 Apr 2016 02:19:51 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@creditguy wrote:
A secured card offer would have been ok like how BofA does, but that serve is garbage it's like a sorry here's a salt in the wound offer. Your better off without Amex, their loss.
That is exactly how I felt!
It's like the Contour Debit card by US Bank. None of us need that
That's the only offer I've ever gotten on US Bank's pre qual site.

They used to offer me only the dumb Contour Debit on the US Bank prequal site; now I don't get offered anything.

Re: AmX Blacklist and Offer

jbsea — Wed, 13 Apr 2016 07:03:59 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@creditguy wrote:
A secured card offer would have been ok like how BofA does, but that serve is garbage it's like a sorry here's a salt in the wound offer. Your better off without Amex, their loss.
That is exactly how I felt!
It's like the Contour Debit card by US Bank. None of us need that
That's the only offer I've ever gotten on US Bank's pre qual site.
They used to offer me only the dumb Contour Debit on the US Bank prequal site; now I don't get offered anything. I ju

I just checked.... Nothing for me.... yeah the best I ever got from them is that contour card also. But I guess I'm not good enough for that anymore.