topic Re: Amex with a previous Amex CO in Credit Card Applications

Amex with a previous Amex CO

OCONUS — Sat, 07 Oct 2023 02:37:25 GMT

Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.Amex Plat

Re: Amex with a previous Amex CO

Im-back — Sat, 07 Oct 2023 03:24:50 GMT

Shocked. Not at all consistent with AMEX SOP.

Congratulations.

Re: Amex with a previous Amex CO

PayAndProsper — Sat, 07 Oct 2023 05:50:17 GMT

Nice! Are you planning on pulling the trigger and accepting?

Re: Amex with a previous Amex CO

OCONUS — Sat, 07 Oct 2023 10:42:24 GMT

@PayAndProsper wrote:
Nice! Are you planning on pulling the trigger and accepting?

That is where I am confused. I dont want to waste a HP if it is not going to result into a definitive approval. Apart from that, I am also planing on getting a revolver CC and I dont know which one should make the best combination. I need a bit of insight into what revolver I should seek. Once I figure that out, I am going to pull the trigger

Re: Amex with a previous Amex CO

OCONUS — Sat, 07 Oct 2023 10:47:13 GMT

@Im-back wrote:
Shocked. Not at all consistent with AMEX SOP.

Congratulations.

Exactly, I almost fell off the chair.

Re: Amex with a previous Amex CO

OCONUS — Sat, 07 Oct 2023 11:28:02 GMT

I have a question for the pros.

I have three AMEX that were CO'ed in 2016. They are still showing in my AMEX login account. Amex pre-approval returned an AMEX Plat that I would like to pull the trigger on.

Where should I register the new account?

Given the fact that three AMEX are already showing in my online AMEX Account, can I register it there without having any unintended consequences?Amex Cancelled Acounts

Re: Amex with a previous Amex CO

Chappy6995 — Sat, 07 Oct 2023 13:41:34 GMT

Amex approved me for the BCP 7 years after burning them for $4K and not paying it back. My SL was $5K, the card is now at $15K a year later.

I used my old login and it shows the two cards that have been cancelled. I am slowing paying off the $4K but it seemingly had no impact on my BCP approval.

@OCONUS wrote:
I have a question for the pros.
I have three AMEX that were CO'ed in 2016. They are still showing in my AMEX login account. Amex pre-approval returned an AMEX Plat that I would like to pull the trigger on.
Where should I register the new account?
Given the fact that three AMEX are already showing in my online AMEX Account, can I register it there without having any unintended consequences?Amex Cancelled Acounts

Re: Amex with a previous Amex CO

youngandcreditwrthy — Sat, 07 Oct 2023 16:28:54 GMT

@OCONUS wrote:
Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.Amex Plat

Dont forget the charge cards, even the platinum, arew usually easier to get for the revolvers. Id test the waters with this revolver. What I would DEFINITELY avoid is having deposit accounts with them like their high yield savings.. bc they could easy jack that money and apply it to your old COs depending on jurisdictional law.. but even then its amex and fighting them to get even 10k back that you owed them regardless of any civil law they could break by taking your money in an account they own would be tough.

so TREAD lightly my friend.

If you can afford the platinum, take it.. wait until you start seeing that revolving option pop up on amex then maybe go for a flat out amex revolver app.

Good luck. Amex is a bunch of knuckleheads who have truthfully been in trouble with the CFPB for holding decade old COs over current applicants head illegally somewhat according to CFPB

Re: Amex with a previous Amex CO

youngandcreditwrthy — Sat, 07 Oct 2023 16:29:55 GMT

dude btw I WOULD TAKE IT 125k is AN AMAzing deal

Re: Amex with a previous Amex CO

Linnaea — Sat, 07 Oct 2023 19:22:29 GMT

@OCONUS wrote:
Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.Amex Plat

I am so curious how this turns out. Kudos.

Re: Amex with a previous Amex CO

OCONUS — Sun, 08 Oct 2023 00:03:12 GMT

@Chappy6995 wrote:
Amex approved me for the BCP 7 years after burning them for $4K and not paying it back. My SL was $5K, the card is now at $15K a year later.

I used my old login and it shows the two cards that have been cancelled. I am slowing paying off the $4K but it seemingly had no impact on my BCP approval.
@OCONUS wrote:
I have a question for the pros.
I have three AMEX that were CO'ed in 2016. They are still showing in my AMEX login account. Amex pre-approval returned an AMEX Plat that I would like to pull the trigger on.
Where should I register the new account?
Given the fact that three AMEX are already showing in my online AMEX Account, can I register it there without having any unintended consequences?Amex Cancelled Acounts

In case I try, I will use the old account. I hope it goes fine

Re: Amex with a previous Amex CO

OCONUS — Sun, 08 Oct 2023 00:06:28 GMT

@youngandcreditwrthy wrote:
@OCONUS wrote:
Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.Amex Plat
Dont forget the charge cards, even the platinum, arew usually easier to get for the revolvers. Id test the waters with this revolver. What I would DEFINITELY avoid is having deposit accounts with them like their high yield savings.. bc they could easy jack that money and apply it to your old COs depending on jurisdictional law.. but even then its amex and fighting them to get even 10k back that you owed them regardless of any civil law they could break by taking your money in an account they own would be tough.
so TREAD lightly my friend.

If you can afford the platinum, take it.. wait until you start seeing that revolving option pop up on amex then maybe go for a flat out amex revolver app.

Good luck. Amex is a bunch of knuckleheads who have truthfully been in trouble with the CFPB for holding decade old COs over current applicants head illegally somewhat according to CFPB

I agree, AMEX is a strange issuer and that is why it is often times in hot waters with CFPB. I never had any checking with them but for credit products, I am very careful to not trigger anything.

Re: Amex with a previous Amex CO

911gt34life — Tue, 10 Oct 2023 12:07:15 GMT

intesting let me test this out later i do have co which drop off next year... before applying you had co drop off correct ?

Re: Amex with a previous Amex CO

OCONUS — Tue, 10 Oct 2023 16:23:29 GMT

@911gt34life wrote:
intesting let me test this out later i do have co which drop off next year... before applying you had co drop off correct ?

Yes, no CO currently reporting.

Re: Amex with a previous Amex CO

SouthJamaica — Tue, 10 Oct 2023 17:39:07 GMT

@OCONUS wrote:
Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.Amex Plat

Congratulations I think.

Be sure to let us know how it turns out.

Re: Amex with a previous Amex CO

OCONUS — Wed, 11 Oct 2023 10:11:31 GMT

@SouthJamaica wrote:
@OCONUS wrote:
Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.Amex Plat
Congratulations I think.

Be sure to let us know how it turns out.

What do you suggest on using the old Amex Online Account tool? It is already showing three cancelled cards.

Re: Amex with a previous Amex CO

SouthJamaica — Wed, 11 Oct 2023 10:52:38 GMT

@OCONUS wrote:
@SouthJamaica wrote:
@OCONUS wrote:
Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.Amex Plat
Congratulations I think.

Be sure to let us know how it turns out.
What do you suggest on using the old Amex Online Account tool? It is already showing three cancelled cards.

I have no idea.

If it were me, I'd stick with the same log in. And remove the old cards from online management.

Re: Amex with a previous Amex CO

OCONUS — Tue, 17 Oct 2023 19:15:52 GMT

UPDATE!

Pulled the trigger on Plat after the CSP and it is returned "Approved." Thanks @SouthJamaica @Chappy6995 @youngandcreditwrthy encourgAmex Plat

Re: Amex with a previous Amex CO

SouthJamaica — Tue, 17 Oct 2023 19:20:12 GMT

Congratulations

Re: Amex with a previous Amex CO

OCONUS — Tue, 17 Oct 2023 19:22:41 GMT

Is it recommended to app for a revolver such as Blue Cash or should I wait it out?