topic Re: AMEX Chances in Credit Cards

AMEX Chances

Czyln — Tue, 09 Jun 2020 18:03:18 GMT

I have 740+ scores across the board. Utilization is about 32% of 49000, small business owner.

I burned AMEX over 7 years ago, and want AMEX again.

Tried the Prequalify but no luck. What are my chances of applying? I make over 120K a year.

Re: AMEX Chances

randomguy1 — Tue, 09 Jun 2020 19:54:27 GMT

@Czyln wrote:
I have 740+ scores across the board. Utilization is about 32% of 49000, small business owner.

I burned AMEX over 7 years ago, and want AMEX again.

Tried the Prequalify but no luck. What are my chances of applying? I make over 120K a year.

Did you settle with AMEX at all?

If you are blacklisted, you will not get a hard pull and will get denied for Prior Negative Relationship (something like that).

Re: AMEX Chances

Anonymous — Tue, 09 Jun 2020 20:06:01 GMT

You have at least two things working against you:

1. defaulting on the Amex account

2. reasonably high current utilization.

Can you clarify if you filed bankruptcy or just defaulted on an account? Amex tends to have a very long memory but its easy to check your chances by applying. If you're blacklisted your application will be automatically rejected.

Re: AMEX Chances

ChazzieT — Tue, 09 Jun 2020 20:10:45 GMT

@Czyln wrote:
...Tried the Prequalify but no luck...

Did you try incognito?

Re: AMEX Chances

dacv01 — Wed, 10 Jun 2020 00:59:18 GMT

What is the amount burned to them? CO? Take it from my experience, the best thing to do is call and find out what the deal is- as others mentioned, they have a very longggggg memory. If PIF is something you can manage its deff a way in.

Re: AMEX Chances

wasCB14 — Wed, 10 Jun 2020 06:05:52 GMT

@dacv01 wrote:
What is the amount burned to them? CO? Take it from my experience, the best thing to do is call and find out what the deal is- as others mentioned, they have a very longggggg memory. If PIF is something you can manage its deff a way in.

And are you willing to repay the old debt to Amex?

Even though it sounds like you don't legally owe it, Amex can refuse to take you back as a customer unless you pay it.

Re: AMEX Chances

PointsBonus — Wed, 10 Jun 2020 06:18:13 GMT

@Czyln

Here is the good news, you can apply to find out if your approved with hard pull, IF that's 1 of the reason. If you blacklisted they will not waste the money to pull ur credit, the internal system will flag you first.

I personally tried about every 4-6 months for a couple of years and then to my surprise I was approved. I only went for the Green Charge card, attempting to get back in the door.

Good luck to you and keep us all posted.

Re: AMEX Chances

Czyln — Thu, 18 Jun 2020 14:41:07 GMT

I owed about 12,000 and it was charge off in 2013

Re: AMEX Chances

CreditInspired — Thu, 18 Jun 2020 14:45:51 GMT

@Czyln wrote:
I owed about 12,000 and it was charge off in 2013

Your chances of getting another AmX card is nil. As others have said, AmX has a super duper long memory. You can call them and ask about a repayment plan if you can’t pay back in full.

Re: AMEX Chances

Stralem — Thu, 18 Jun 2020 14:46:53 GMT

Are you willing to pay back the $12k you owe? If so, they'll play ball and, at their sole discretion, may let you back in with an Optima card. Otherwise, you're boned.

Speaking from personal experience.

Re: AMEX Chances

drboxing — Fri, 19 Jun 2020 13:54:30 GMT

It took me over 10 years to get back into AMEX. Ive read where its taken others lesser time. But on the front of my card it reads member since 97 and when I call they thank me for being a card member since 1997

Re: AMEX Chances

drboxing — Fri, 19 Jun 2020 13:58:53 GMT

that's exactly what I did. Kept trying every 6 months, kept getting denied. Then eventually they stopped denying me due to prior membership. A friend that attempted to add me as an AU to their AMEX and using my social security number was accepted. After 6 months I applied for Delta Gold and was approved. It took about 10 years to get back in.