topic Re: Amex has a long memory! in Credit Card Applications

Amex has a long memory!

Anonymous — Tue, 08 Dec 2015 11:05:46 GMT

I apped for a SPG Amex and was declined. The reason given was because they canceled my previous accounts. FYI, that was 22 years ago in a BK. So, for anyone who has wondered, I have found the truth. They have a very long memory. Oh well, I think that's one I can cross off my list for about a hundred years. I also had a primary go bad while I was the AU in 2008. I feel like a broken toy with missing parts.

Re: Amex has a long memory!

willwar14 — Tue, 08 Dec 2015 11:42:25 GMT

Did you burn them in the BK?

Re: Amex has a long memory!

Anonymous — Tue, 08 Dec 2015 11:53:10 GMT

@willwar14 wrote:
Did you burn them in the BK?

Yes, 22 years ago.

Re: Amex has a long memory!

Anonymous — Tue, 08 Dec 2015 13:46:11 GMT

good news tho, i dont think they pulled ur credit.. so no wasted HP

Re: Amex has a long memory!

baller4life — Tue, 08 Dec 2015 14:18:48 GMT

Wow 22 years ago? That's insane. Just let it go Amex. Just let it go! 😒

Re: Amex has a long memory!

woodyman100 — Tue, 08 Dec 2015 14:23:26 GMT

PenFed brought up a repo from 30 years ago. My ex let it go back and never told me.
Heck, I had forgotten who even financed the thing.
There were only a few payments left on that 1984 Plymouth

Re: Amex has a long memory!

ttleigh — Tue, 08 Dec 2015 14:49:14 GMT

I somehow just got approved for an Amex 1.5 yrs post bk discharge but they weren't included in it. I did have a green card through my employer for years before my bk so maybe that helped me.

Re: Amex has a long memory!

pizza1 — Tue, 08 Dec 2015 17:11:14 GMT

The good news is.....if you decide you want to pay them back, they will let you back in. Me personally, I would have tried for the Delta Gold...its the easiest, and also, you should know this by now, you've been on the forums awhile....the soonest they will let you back after a bK is 5 yrs. Youre 4 yrs post....try for the Delta in June 2017, and see what happens

Re: Amex has a long memory!

gdale6 — Tue, 08 Dec 2015 17:23:33 GMT

@Anonymous wrote:
I apped for a SPG Amex and was declined. The reason given was because they canceled my previous accounts. FYI, that was 22 years ago in a BK. So, for anyone who has wondered, I have found the truth. They have a very long memory. Oh well, I think that's one I can cross off my list for about a hundred years. I also had a primary go bad while I was the AU in 2008. I feel like a broken toy with missing parts.

I checked with them every few years till it rolled past 30 and by that time I was a member of multi credit forums and realized I ddnt need them and that they no longer stand for what they were in the 1980s.

Re: Amex has a long memory!

pizza1 — Tue, 08 Dec 2015 18:27:24 GMT

@gdale6 wrote:
@Anonymous wrote:
I apped for a SPG Amex and was declined. The reason given was because they canceled my previous accounts. FYI, that was 22 years ago in a BK. So, for anyone who has wondered, I have found the truth. They have a very long memory. Oh well, I think that's one I can cross off my list for about a hundred years. I also had a primary go bad while I was the AU in 2008. I feel like a broken toy with missing parts.
I checked with them every few years till it rolled past 30 and by that time I was a member of multi credit forums and realized I ddnt need them and that they no longer stand for what they were in the 1980s.

omg...they have said no to you for 30 yrs now????? unbelievable.

Re: Amex has a long memory!

ojefferyo — Tue, 08 Dec 2015 19:15:37 GMT

damn that's a long time, most of my lifetime

Re: Amex has a long memory!

willwar14 — Tue, 08 Dec 2015 19:29:59 GMT

30 years O_O...!!!!!!!

Re: Amex has a long memory!

ojefferyo — Tue, 08 Dec 2015 19:35:28 GMT

@Anonymous wrote:
I apped for a SPG Amex and was declined. The reason given was because they canceled my previous accounts. FYI, that was 22 years ago in a BK. So, for anyone who has wondered, I have found the truth. They have a very long memory. Oh well, I think that's one I can cross off my list for about a hundred years. I also had a primary go bad while I was the AU in 2008. I feel like a broken toy with missing parts.

I just notice that you file for BK 22 years ago and your signature also says BK discharge 5/11 meaning 2011?

Re: Amex has a long memory!

willwar14 — Tue, 08 Dec 2015 19:39:57 GMT

Im willing to bet thats the OP's second BK.

Re: Amex has a long memory!

Anonymous — Tue, 08 Dec 2015 21:40:23 GMT

@willwar14 wrote:
Im willing to bet thats the OP's second BK.

Correct....and not something I am proud of. The first one was caused by enormous medical bills and a disability for a few years. Life happens.

Re: Amex has a long memory!

Anonymous — Tue, 08 Dec 2015 21:45:13 GMT

It probably won't take 100 years. I got back in with them after 33 years.

Re: Amex has a long memory!

morgacj2004 — Tue, 08 Dec 2015 23:06:41 GMT

gdale6 said: checked with them every few years till it rolled past 30 and by that time I was a member of multi credit forums and realized I ddnt need them and that they no longer stand for what they were in the 1980s."

Could not agree more!!! I used to have a Gold and Plat card that I always kept in good standing with big spend. I closed the accts after they continued to lower my CL. In my opinion their charge cards are way overblown. I still feel that the Delta card is a decent product but only if Delta is your airline of choice!

Re: Amex has a long memory!

FinStar — Tue, 08 Dec 2015 23:38:20 GMT

@Anonymous wrote:
It probably won't take 100 years. I got back in with them after 33 years.

See OP, there's hope! Or, like pizza1 mentioned upthread, maybe try in 2017? Now, given you gave them a double whammy with 2 BKs, it's doubtful they'll let you back in at all. I would go with other lenders OP, plus gdale6 brings up a good point in terms of what they were once regarded as.

Re: Amex has a long memory!

ojefferyo — Wed, 09 Dec 2015 00:58:16 GMT

@Anonymous wrote:
@willwar14 wrote:
Im willing to bet thats the OP's second BK.
Correct....and not something I am proud of. The first one was caused by enormous medical bills and a disability for a few years. Life happens.

Sorry to hear bud.

Re: Amex has a long memory!

taxi818 — Wed, 09 Dec 2015 01:35:46 GMT

@Anonymous wrote:
@willwar14 wrote:
Did you burn them in the BK?
Yes, 22 years ago.

thats almost as bad as when i burned PenFed. it was exactly 30 years ago. 1985. Wow. how time flies. And yet they still remember