topic Re: AMEX and BK ??? in Credit Cards

AMEX and BK ???

Anonymous — Mon, 27 Aug 2012 23:22:34 GMT

I know this has been stated but just curious??

I have these accounts that have a balance paid off by Christmas

BB store card 750 cl 0 bal

Barclays 3000.00 200 bal

Cap one 2000 0 balance

Fairwinds 2500 2200 balance

Chevron texaco 1000 40.00 bal

HSBC /Cap one Discover rewards 1300.00 CL 0 balance

I have a bk that will be 7.5 yrs in December ... new account in April 2012 (fairwinds)

AAoA is about 6 yrs NO negatives since BK in 2005 ...all reports clear execpt for public record...

I have 1 inq on EX denial from Amex in December ....5 each on EQ and TU...that will be a year in December......

What are my chances of getting approved for Zync at the 8yr mark next June??

Just your thoughts ...

Re: AMEX and BK ???

LS2982 — Mon, 27 Aug 2012 23:24:22 GMT

@Anonymous wrote:
I know this has been stated but just curious??

I have these accounts that have a balance paid off by Christmas

BB store card 750 cl   0 bal
Barclays 3000.00 200 bal
Cap one 2000    0 balance
Fairwinds 2500   2200 balance
Chevron texaco   1000    40.00 bal
HSBC /Cap one Discover rewards 1300.00 CL   0 balance

I have a bk that will be 7.5 yrs in December ... new account in April 2012 (fairwinds)

AAoA is about 6 yrs   NO negatives since BK in 2005 ...all reports clear execpt for public record...

I have 1 inq on EX denial from Amex in December ....5 each on EQ and TU...that will be a year in December......

What are my chances of getting approved for Zync at the 8yr mark next June??

Just your thoughts ...

I think your chances are good as long as you get your util. below 10%.

Re: AMEX and BK ???

Anonymous — Mon, 27 Aug 2012 23:34:19 GMT

I will be there .....I am just in fear of rejection.......I want to arrive in primeville....I just dont want to wait till that 10 yr mark ......

Re: AMEX and BK ???

Anonymous — Mon, 27 Aug 2012 23:46:37 GMT

also...I just found out that an ex girlfriend had me as a user on her card back in 1995......when I get a card will this help me with backdating?? account went bad for lack of activity...I never used the account

Re: AMEX and BK ???

LS2982 — Mon, 27 Aug 2012 23:44:10 GMT

@Anonymous wrote:
also...I just found out that an ex girlfriend had me as a user on her card back in 1995......when I get a card will this help me with backdating?? account went bad for lack of activity...I never used the account

I dont think so, that was awhile back. I also seen on the forums on a certain date soon AMEX will no longer accept AU applicants getting backdating.

Re: AMEX and BK ???

Anonymous — Mon, 27 Aug 2012 23:48:16 GMT

gotcha ...thanks for the update...I guess I will have to wait it our and maybe pull the trigger in June

Re: AMEX and BK ???

Anonymous — Mon, 27 Aug 2012 23:48:38 GMT

It's possible that you could be backdated to 1995, but I think it's unlikely. Amex has stoped backdating AU accounts; I know they don't backdate to original cardmember's join year and I think they've also stopped counting AU accounts when that person opens their own account later. Also, I think I read something on here a few days ago about a person not being backdated because they weren't a continuous member, however plenty of people have been backdated without continuity in the past. Backdating to an old AU account is probably going to be a little hit or miss, do you have proof of the account in case Amex can't locate it?

Re: AMEX and BK ???

Anonymous — Mon, 27 Aug 2012 23:51:39 GMT

Just called the customer service number .....gave them my social ...they told me that I had an account but that original card member (EX ) had it

Re: AMEX and BK ???

LS2982 — Tue, 28 Aug 2012 01:11:11 GMT

@Anonymous wrote:
It's possible that you could be backdated to 1995, but I think it's unlikely. Amex has stoped backdating AU accounts; I know they don't backdate to original cardmember's join year and I think they've also stopped counting AU accounts when that person opens their own account later. Also, I think I read something on here a few days ago about a person not being backdated because they weren't a continuous member, however plenty of people have been backdated without continuity in the past. Backdating to an old AU account is probably going to be a little hit or miss, do you have proof of the account in case Amex can't locate it?

I don't think thats true. A lot of members here have been successful backdating thier new AMEX accounts to their original account open dates.

Re: AMEX and BK ???

Anonymous — Tue, 28 Aug 2012 01:37:09 GMT

Are you talking about AU accounts? I was positive that's been confirmed here, that you can no longer add an authorized user and give that person your join year. People were having join years before they were even born just by their parents adding them to their card.