topic Re: Amex card question in Credit Card Applications

Amex card question

Swordfish20 — Sun, 18 Oct 2020 12:49:02 GMT

I burned Amex in my 2013 BK. Recently got a prequal letter but when tried to apply was immediately denied (no HP) and letter came telling me I was denied because of previously closed accounts (aka blacklist). Wondering if getting a Hilton or Marriott Amex will help me rebuild trust with Amex or if Amex doesn't watch or care about those cards.

Re: Amex card question

AverageJoesCredit — Sun, 18 Oct 2020 13:06:27 GMT

@Swordfish20 wrote:
I burned Amex in my 2013 BK. Recently got a prequal letter but when tried to apply was immediately denied (no HP) and letter came telling me I was denied because of previously closed accounts (aka blacklist). Wondering if getting a Hilton or Marriott Amex will help me rebuild trust with Amex or if Amex doesn't watch or care about those cards.

im confused. You burned Amex in 2013 but have an Amex in your siggy?. I would think if you were on the bl, you couldnt get any Amex, included cobranded such as Hilton or Marriot?

Re: Amex card question

Anonymous — Sun, 18 Oct 2020 13:16:47 GMT

Correct AJC. Amex blacklist covers all cards - they don't look at the cobranded cards as lesser in context of blacklisting.

Re: Amex card question

Swordfish20 — Sun, 18 Oct 2020 13:31:03 GMT

Corporate card in the siggy

Re: Amex card question

Anonymous — Sun, 18 Oct 2020 15:31:18 GMT

When was the Green business card opened?

Re: Amex card question

Swordfish20 — Sun, 18 Oct 2020 15:45:51 GMT

2015

Re: Amex card question

Anonymous — Mon, 19 Oct 2020 00:39:13 GMT

@Anonymous Amex's blacklist is 10 years correct?

@Swordfish20 If this is the case, that might be at play.

Re: Amex card question

Anonymous — Mon, 19 Oct 2020 00:58:18 GMT

@Anonymous wrote:
@Anonymous Amex's blacklist is 10 years correct?

@Swordfish20 If this is the case, that might be at play.

Not necessarily - it depends on how you burned them. Some have been only a few years, some have been 20-25 years.

Re: Amex card question

OmarGB9 — Mon, 19 Oct 2020 02:37:09 GMT

@Swordfish20 wrote:
I burned Amex in my 2013 BK. Recently got a prequal letter but when tried to apply was immediately denied (no HP) and letter came telling me I was denied because of previously closed accounts (aka blacklist). Wondering if getting a Hilton or Marriott Amex will help me rebuild trust with Amex or if Amex doesn't watch or care about those cards.

You wouldn't be able to get a Hilton or Marriott either because you're on the blacklist, which applies to all cards - legacy and cobranded.

Re: Amex card question

Anonymous — Mon, 19 Oct 2020 05:37:24 GMT

That's interesting you got a business card with them after the "burn".

It may be that they're only ok with you having business cards and not personal cards at this time.

Re: Amex card question

AverageJoesCredit — Mon, 19 Oct 2020 12:20:20 GMT

@Anonymous wrote:
That's interesting you got a business card with them after the "burn".

It may be that they're only ok with you having business cards and not personal cards at this time.

i have seen this on the forum before. So definetly possible. But personal is much different than Corporate.

Re: Amex card question

AverageJoesCredit — Mon, 19 Oct 2020 12:21:01 GMT

@Swordfish20 wrote:
I burned Amex in my 2013 BK. Recently got a prequal letter but when tried to apply was immediately denied (no HP) and letter came telling me I was denied because of previously closed accounts (aka blacklist). Wondering if getting a Hilton or Marriott Amex will help me rebuild trust with Amex or if Amex doesn't watch or care about those cards.

Op how much did you burn Amex before?

Re: Amex card question

Brian_Earl_Spilner — Mon, 19 Oct 2020 12:30:01 GMT

@Anonymous wrote:
That's interesting you got a business card with them after the "burn".

It may be that they're only ok with you having business cards and not personal cards at this time.

It's not unheard of. More than likely it's corporate sponsored and guaranteed. The gray area for a blacklisted person is if they can be added as an AU and their SSN doesn't keep it from being opened or shut down. At that point, they're probably not far from getting back in.

Re: Amex card question

1GaDawg85 — Mon, 19 Oct 2020 18:29:31 GMT

I remember trying to get my ex-wife to add me to her AMEX a couple of years ago and would never process it. I burned them in BK7 back in 2012 and now I get pre-approvals for their cards but I am not risking it until at least I get my UTIL down by another 10%+

Re: Amex card question

Red1Blue — Mon, 19 Oct 2020 18:38:35 GMT

What was the amount you owed of burned Amex for? If it is some thing you can afford, you can pay it off and get into their Good Graces. You can even ask for their Optima Rebuild card. After having Optima for 12 months you can apply for a regular card.

Re: Amex card question

1GaDawg85 — Mon, 19 Oct 2020 18:54:40 GMT

@Red1Blue wrote:
What was the amount you owed of burned Amex for? If it is some thing you can afford, you can pay it off and get into their Good Graces. You can even ask for their Optima Rebuild card. After having Optima for 12 months you can apply for a regular card.

I don't even remember how much I burned them for lol

Re: Amex card question

Red1Blue — Mon, 19 Oct 2020 19:17:29 GMT

@1GaDawg85 wrote:
I don't even remember how much I burned them for lol

Best thing is communication and talking to them. You can call them and ask them what you need to get back into their good graces.