topic Re: AMEX AU and/or blacklist in Credit Cards

AMEX AU and/or blacklist

mowglidude — Sat, 06 Feb 2016 20:58:30 GMT

I've read many posts in these forums, relating to possibly/likely, being AMEX blacklisted and becoming an AU on an existing account. My question is, is it better to become an AU on an existing account and just be added, or have my wife app for say the PRG and add me during that process? That way it's a card I can use alone for awhile. I currently have a 693 EX and recently had a Corp card through work. I left that company, but paid on time for 12 months. I am going to app for Marriott Rewards myself in a couple of weeks, so just in case AMEX pulls my credit, I am waiting to see if I am truly on the blacklist.

Re: AMEX AU and/or blacklist

Anonymous — Sun, 07 Feb 2016 02:51:41 GMT

What happen to make you think Amex has blacklisted you? if your wife has an Amex, just have her add you as AU instead of applying for a whole new card.

Re: AMEX AU and/or blacklist

mowglidude — Sun, 07 Feb 2016 03:23:04 GMT

I've been rebuilding for years and would like to get that on my own, if possible. It's to continue my journey to 800 on my own, that's all. If not, I'll have her add me. Not my first priority.

Re: AMEX AU and/or blacklist

myjourney — Sun, 07 Feb 2016 03:29:54 GMT

Did you burn Amex?

But yes applying and not getting a HP says Blacklisted

Your EX score is high enough for an approval of course that's only one factor to be considered

Re: AMEX AU and/or blacklist

mowglidude — Sun, 07 Feb 2016 03:36:26 GMT

I'll app for the PRG and see if I'm blacklisted, after I app for what I really want first. I was able to get a Corp card through work a year ago, but yes, had two CO's 9 years ago.

Re: AMEX AU and/or blacklist

mowglidude — Mon, 15 Feb 2016 21:47:48 GMT

@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered

Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?

Re: AMEX AU and/or blacklist

Creditwiser — Mon, 15 Feb 2016 21:53:34 GMT

@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?

My DW had a CO with Amex for a couple of thousand dollars back in 2010. She is probably blacklisted because of that, not sure really. She did PIF after the CO but has not app'd with AMEX since. She had no prob being an AU on my Sons BCE.

Re: AMEX AU and/or blacklist

mowglidude — Mon, 15 Feb 2016 21:57:05 GMT

@Creditwiser wrote:
@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?
My DW had a CO with Amex for a couple of thousand dollars back in 2010. She is probably blacklisted because of that, not sure really. She did PIF after the CO but has not app'd with AMEX since. She had no prob being an AU on my Sons BCE.

That's good to hear, thank you..

Re: AMEX AU and/or blacklist

Anonymous — Mon, 15 Feb 2016 22:12:06 GMT

@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?

I have never had a corporate account, but I assume the card was issued in your name. Assuming my previous statement is accurate, I would think you could be added as an AU on your wife's account without issue. Amex is clear when adding an AU, the primary is solely responsible for all charges made by everyone with a card.

I would go for it. Best of luck on your journey!

Re: AMEX AU and/or blacklist

myjourney — Tue, 16 Feb 2016 00:21:05 GMT

@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?

Yes you can be an AU

Re: AMEX AU and/or blacklist

FinStar — Tue, 16 Feb 2016 00:40:13 GMT

@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?

If your DW tries to add you as AU and the system doesn't allow it, it likely means the unpaid CO (i.e. blacklisted). Typically, depending on the timeframe this occurred, the CO and/or the amount, some folks can fall through the cracks and be able to be added as AU. But, if IIB and/or unpaid COs, then likely not. Only way to test this is whenever your DW attempts to add you as AU.

Re: AMEX AU and/or blacklist

myjourney — Tue, 16 Feb 2016 00:43:07 GMT

@FinStar wrote:
@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?
If your DW tries to add you as AU and the system doesn't allow it, it likely means the unpaid CO (i.e. blacklisted). Typically, depending on the timeframe this occurred, the CO and/or the amount, some folks can fall through the cracks and be able to be added as AU. But, if IIB and/or unpaid COs, then likely not. Only way to test this is whenever your DW attempts to add you as AU.

For sure

Re: AMEX AU and/or blacklist

mowglidude — Tue, 16 Feb 2016 00:53:40 GMT

@myjourney wrote:
@FinStar wrote:
@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?
If your DW tries to add you as AU and the system doesn't allow it, it likely means the unpaid CO (i.e. blacklisted). Typically, depending on the timeframe this occurred, the CO and/or the amount, some folks can fall through the cracks and be able to be added as AU. But, if IIB and/or unpaid COs, then likely not. Only way to test this is whenever your DW attempts to add you as AU.
For sure

No BK, unpaid CO's. Will have to see if I can be added as an AU, not super important. She may stress, a little paranoid of her 865 score, whatever...

Re: AMEX AU and/or blacklist

myjourney — Tue, 16 Feb 2016 00:56:42 GMT

@mowglidude wrote:
@myjourney wrote:
@FinStar wrote:
@mowglidude wrote:
@myjourney wrote:
Did you burn Amex?
But yes applying and not getting a HP says Blacklisted
Your EX score is high enough for an approval of course that's only one factor to be considered
Yes a couple of CO's eight years ago. I just apped, no HP, immediate denial, "because AMEX cancelled my previous accounts." Not that big a deal, figured I was. Can one become an AU while being blacklisted?
If your DW tries to add you as AU and the system doesn't allow it, it likely means the unpaid CO (i.e. blacklisted). Typically, depending on the timeframe this occurred, the CO and/or the amount, some folks can fall through the cracks and be able to be added as AU. But, if IIB and/or unpaid COs, then likely not. Only way to test this is whenever your DW attempts to add you as AU.
For sure
No BK, unpaid CO's. Will have to see if I can be added as an AU, not super important. She may stress, a little paranoid of her 865 score, whatever...

Won't effect her scores by adding you

Re: AMEX AU and/or blacklist

mowglidude — Tue, 16 Feb 2016 01:26:22 GMT

Try telling her

Re: AMEX AU and/or blacklist

myjourney — Tue, 16 Feb 2016 01:27:24 GMT

@mowglidude wrote:
Try telling her

ROFLOL

You're on your own with that ....we can't help you