topic Re: AMEX in Credit Cards

AMEX

Random_idiot — Tue, 26 Jul 2016 04:10:44 GMT

just a quick question.. I used to have the Amex green. However, I closed it after it wen to collections, and paid off. This was in 2013. I checked yesterday to see if I had any prequal offers online, and nothing showed up. Maybe my scores are too low..

Does anyone know if it's a score thing or am I black listed???

once my scores improve after the new cli, should I give it a shot to apply??

Re: AMEX

darwin_wins — Tue, 26 Jul 2016 04:17:11 GMT

If you paid them more than likely you are not blacklisted. Your scores and may be other things on your report may be a factor in you not getting any offers. Wait till your scores reach about 690 and then apply.

Re: AMEX

Random_idiot — Tue, 26 Jul 2016 04:18:58 GMT

@darwin_wins wrote:
If you paid them more than likely you are not blacklisted. Your scores and may be other things on your report may be a factor in you not getting any offers. Wait till your scores reach about 690 and then apply.

Will do. Thanks Darwin. My current scores are based off of 49% uti. Once cap 1 shows my payment and new ls, my overall uti will be 10%, so I'm curious how many points my score will jump up.

Re: AMEX

Anonymous — Tue, 26 Jul 2016 04:19:22 GMT

I can't answer if you are blacklisted or not, but I will say I didn't have any prequalifiers on the site and I was approved for the Everyday and BCE a few days apart. I've read some post's on here with people around 750-800 scores with no prequalifiers.

Re: AMEX

Vegas4Play — Tue, 26 Jul 2016 05:34:07 GMT

Most likely blacklisted.

Re: AMEX

Anonymous — Tue, 26 Jul 2016 19:19:26 GMT

@Vegas4Play wrote:
Most likely blacklisted.

Yep.

Re: AMEX

Anonymous — Tue, 26 Jul 2016 19:46:53 GMT

Not true that you need 750-780 to see Pre-Q. My EX was 624 and was approved for BCE when my EX went up to 650 I checked PRE-Q and I have 3 offers. I applied to all 3 and were approved on 2 (1 was revolver and 1 was charge) the other revolver instantly denied because I just got 2 revolvers within 90 days.

My BCP was approved for $5000 SL and I received the Platinum Charge card with 100K offer.

So I dont think it's 750+++ scores triggers any of those Pre-Q. Keep checking, more so when you get to 650 I think that's their cut off.

Re: AMEX

Anonymous — Tue, 26 Jul 2016 19:53:30 GMT

@Random_idiot wrote:
@darwin_wins wrote:
If you paid them more than likely you are not blacklisted. Your scores and may be other things on your report may be a factor in you not getting any offers. Wait till your scores reach about 690 and then apply.
Will do. Thanks Darwin. My current scores are based off of 49% uti. Once cap 1 shows my payment and new ls, my overall uti will be 10%, so I'm curious how many points my score will jump up.

Not necessarily blacklisted, but your scores are definitely on the low side. Do you only have the Cap1 and the Walmart cards? Your credit file might be too thin for them at the moment, too. I'd work on getting your Experian score up to at least 670 and letting those cards you have age a bit. But don't let the pre-qualified thing discourage you. I was able to get a Blue Cash Everyday from them last year without a pre-qual. As someone else said here, plenty of people with scores well over 700 can't get prequalled but are able to get their cards.

Re: AMEX

Anonymous — Tue, 26 Jul 2016 22:51:12 GMT

Isn't Amex one of the ones that will reject blacklisted users without an HP? Wait till your EX score gets higher, then try (if you really want an Amex that is).

Re: AMEX

Anonymous — Tue, 26 Jul 2016 23:59:01 GMT

@Anonymous wrote:
Not true that you need 750-780 to see Pre-Q.
_____________________________________________________________________________________________________________________________________________

No one said you did. The person you are referencing above said that there have been cases of people with 750-800 scores NOT getting pre-quals [but still getting approvals, certainly]

Re: AMEX

dragontears — Wed, 27 Jul 2016 01:08:55 GMT

Yeah just because there is no prequal doesn't mean you won't get approved (if you qualify) to this day I don't get anything from Amex prequal (never have had a Amex so not blacklisted) and am sure I could get a card if I wanted one (I just find their cards to be meh for my spend)

Note: last time I got my full reports there is no record of Amex ever doing a SP on me

Re: AMEX

takeshi74 — Wed, 27 Jul 2016 12:52:56 GMT

Never rely on prequals. If you haven't settled with them then you're probably blacklisted.

@Random_idiot wrote:

once my scores improve after the new cli, should I give it a shot to apply??

It's never just about score. Identify and address the issues in your reports. While Revolving Utlization has a significant impact it is not the only thing that matters. If you have dergos then carefully research in Rebuilding and work on addressing the ones that can be addressed. Do not just rely on CLI's. You can pay down balances prior to report date to manage reported Revolving Utilization.

Re: AMEX

Anonymous — Wed, 27 Jul 2016 13:05:31 GMT

On a whim, I applied for a Blue with a 652 and was approved. Declined on a charge card though. I had no Pre-Q when i tried.

I was only given a $500 limit. Hoping that I can get that increased significantly over the next 6 months, or atleast get approved for a different card with better rewards in a few months. I just needed an in...and Amex came through with the regular old Blue for me. Just happy to be part of the Amex family after years of rebuliding.

As far as blacklisted...hard to tell. My mom filed BR 6 years ago after my father passed and left her in the red financially. She was able to get approved for a BCE last year. I always thought a BR would blacklist you if Amex was included. Not necessarily true though.