topic Re: AMEX Blacklist Question in Credit Card Applications

AMEX Blacklist Question

Anonymous — Fri, 29 Jun 2018 22:19:50 GMT

I had my AMEX opened in 2013, and i charged off $9000 in 2014. I paid $1k and reduced by balance to $8000 in 2015. I filied a ch7 bk last year in November.

Since 2014 i have been unable to even be added as an Authorized user on ANY Amex card.

I've tried adding myself as an AU to my wife's AMEX cards multiple times and even recently this month always declined.

I tried last week to add myself to my wife's business charge card and it was approved because it didn't ask for my social. When i activated the card it asked for my social.

I then opened an AMEX Personal Savings account also with my Social.

Today i tried to add myself again to her AMEX PRG..

It actually went through!! I see the additional card online.

Did i somehow get kicked off the blacklist? I know i have to wait 5 years for my own card because of the BK but even being added as an Authorized user has been impossible before today.

Re: AMEX Blacklist Question

drboxing — Sat, 30 Jun 2018 01:08:04 GMT

I burned AMEX in 2006, I had the Biz Gold, Personal Platinum, Delta Platinum $12000 SL, but due to business collapse I lost then all and filed BK. I was of course blacklisted and for years I couldn't be added as an AU. Until 2016 a friend put me on his card as AU and I then realized I was off the blacklist. About 6 months later on the Delta Airlines site I applied and was approved for AMEX Delta Gold $1000 SL. I have the Biz Platinum, Delta Platinum, but I must say it took a few years for me to get off the blacklist.

Re: AMEX Blacklist Question

Anonymous — Sat, 30 Jun 2018 01:09:58 GMT

So does this mean something that i was finally able to be added as an AU?

Re: AMEX Blacklist Question

drboxing — Sat, 30 Jun 2018 01:17:17 GMT

not sure but after I was able to be added as AU, I waited a few months, applied and was approved for the Delta Gold.

Re: AMEX Blacklist Question

Anonymous — Sat, 30 Jun 2018 07:26:58 GMT

@Anonymous wrote:
So does this mean something that i was finally able to be added as an AU?

I am applying if I were you. Keep in mind that if you blacklisted, Amex doesn't pull your credit report.

Re: AMEX Blacklist Question

drboxing — Sat, 30 Jun 2018 12:27:31 GMT

True

Re: AMEX Blacklist Question

Anonymous — Sat, 30 Jun 2018 12:35:03 GMT

I still have a recent ch7 though so even if I am off I won’t be approved due to the bk right?

Re: AMEX Blacklist Question

UncleB — Sat, 30 Jun 2018 12:42:23 GMT

@Anonymous wrote:
I had my AMEX opened in 2013, and i charged off $9000 in 2014. I paid $1k and reduced by balance to $8000 in 2015. I filied a ch7 bk last year in November.

Since 2014 i have been unable to even be added as an Authorized user on ANY Amex card.

I've tried adding myself as an AU to my wife's AMEX cards multiple times and even recently this month always declined.

I tried last week to add myself to my wife's business charge card and it was approved because it didn't ask for my social. When i activated the card it asked for my social.

I then opened an AMEX Personal Savings account also with my Social.

Today i tried to add myself again to her AMEX PRG..

It actually went through!! I see the additional card online.

Did i somehow get kicked off the blacklist? I know i have to wait 5 years for my own card because of the BK but even being added as an Authorized user has been impossible before today.

If you're on the blacklist there's a known work-around for being added as an AU... basically don't provide your SS# until you activate the card. There are a few times people have reported this not working, but it works for many.

Re: AMEX Blacklist Question

drboxing — Sat, 30 Jun 2018 14:02:17 GMT

If the BK is showing you won’t be approved. My ch 13 was discharged 2011, I didn’t get approved for AU until 2016, approved for 1st card until 2017

Re: AMEX Blacklist Question

Anonymous — Sat, 30 Jun 2018 14:59:48 GMT

Right.

Even when i tried without social, just my name it would never go through. I would get the 7-10 day message and then cannot be added letter.

So my workaround was added myself to the business card and putting in my social when that one was received.

I’ve now added myself as an AU to several Amex cards and no issue. I’ve been putting my social since the beginning.

But i would have to wait 5 years from discharge from what I understand for my own approval.

Re: AMEX Blacklist Question

Anonymous — Sat, 30 Jun 2018 21:54:49 GMT

@Anonymous wrote:
Right.

Even when i tried without social, just my name it would never go through. I would get the 7-10 day message and then cannot be added letter.

So my workaround was added myself to the business card and putting in my social when that one was received.

I’ve now added myself as an AU to several Amex cards and no issue. I’ve been putting my social since the beginning.

But i would have to wait 5 years from discharge from what I understand for my own approval.

That's pretty much where I am. I've never had an Amex card, but I won't get prequalification offers for another year and a half or so from what I've been told due to my 2014 Ch7 BK. I suppose I could cold-app, but if I understood correctly I'd probably be turned down at this point for the same reason, so might as well just wait until the end of 2019.

Re: AMEX Blacklist Question

FinStar — Tue, 03 Jul 2018 20:54:45 GMT

OP, just keep in mind that there are a couple components associated with the AMEX blacklist piece for your situation. The AU workaround doesn't really translate into being off the naughty list per se.

There's the presence of BK on your CRs in addition to having AMEX IIB. So, once the 5+ year period passes, that should give you an idea of where you stand with AMEX and possibly getting back in when you apply.

Re: AMEX Blacklist Question

Jeffhacker — Wed, 04 Jul 2018 03:03:30 GMT

I have a similar situation - 2008 Chapter 7 (due to a combination of business issues and a major medical issue (wife's terminal illness). Ten years is 10/8/2018 so I assume anything showing on my credit will fall off. Burned Amex in the BK. Current scores are 727 (Experian), 754 (Equifax), 814 (TransUnion). I have various cards now, including Citi (Costco and American Airlines), Chase (United), Capital One Quicksilver, plus several Synchrony. Citi and Synchrony cards have limits in the $15K range, Chase, Cap One, Discover about $7K each. No late payments or any problems since my BK. Any chance of getting off the Amex blacklist? And has anybody in a similar situation been able to qualify for a Platinum (in my case annual income is about $158K)?

Re: AMEX Blacklist Question

drboxing — Wed, 04 Jul 2018 11:10:55 GMT

If you apply for an Amex and are denied immediately because of prior history it doesn’t go on your credit report because they didn’t pull a report. So give it a try