topic Amex Charged-off in General Credit Topics

Amex Charged-off

Amiashu12 — Tue, 23 May 2017 14:07:43 GMT

Hi Everyone. I have a charged-off account with Amex and i was wondering if i added myself as an Authorized user, will Amex allow it and get a boost on my credit score?

Re: Amex Charged-off

boomhower — Tue, 23 May 2017 20:25:43 GMT

Very unlikely. They will take your social to add you, see the charge off and deny it. To have any relationship with them again you will need to pay back the charge off.

Re: Amex Charged-off

Amiashu12 — Tue, 23 May 2017 20:48:33 GMT

Thanks for your feedback. My charged-off is back from 2013. I just tried under my father in law account and was able to get through. Does that mean i m not in Amex blacklist?

Re: Amex Charged-off

boomhower — Wed, 24 May 2017 01:53:34 GMT

It is possible you slipped through the cracks. I've seen people get denied for corporate cards because of defaults on personal cards. Only way to find out is to apply for a card.

Re: Amex Charged-off

RobertEG — Thu, 25 May 2017 07:07:00 GMT

Was the charged-off account eventually paid, or does it remain unpaid?

Re: Amex Charged-off

Amiashu12 — Thu, 25 May 2017 10:51:20 GMT

it remains unpaid.

Re: Amex Charged-off

UncleB — Sun, 28 May 2017 08:15:13 GMT

Let us know if you receive the card... I've tried twice to add someone with a past Amex charge off to one of my Amex accounts.

Both times it appeared to work at first but a few days later I got a letter from Amex declining the AU, with a boilerplate notice that the AU could call for more details (in other words, the issue wasn't with me).

I do hope it works out for you, though.

Re: Amex Charged-off

Amiashu12 — Sun, 28 May 2017 12:47:13 GMT

I did receive my Amex card as AU and have been using it already just to see what happens. So far looking good. Remember my charged-off amount was 2k and it was blue cash if that matters.

Re: Amex Charged-off

simplynoir — Sun, 28 May 2017 13:38:25 GMT

If you don't already I would carry a backup CC just to be safe because like others have mentioned on this thread AMEX doesn't let people with COs back in even as an AU. You might be one of the lucky few to slip through but even then I'd be careful.

Re: Amex Charged-off

Amiashu12 — Sun, 28 May 2017 13:43:15 GMT

I do. I have Capital one with $5k limit and Capital one silver for $2500 CL.

Re: Amex Charged-off

Anonymous — Sun, 28 May 2017 16:13:17 GMT

They will inevitably figure it out and shut you off very soon. And they should. You stiffed them and have yet to pay them back.

What difference does it make which card you stiffed them for and how much!

Why don't you just pay what you owe them? 2013 is far from being old.

Re: Amex Charged-off

Amiashu12 — Sun, 28 May 2017 16:26:28 GMT

If i was certsinly in a position to pay them, i would have done that long time ago. I m slowly recovering from my gas station loss. Trust me i m working towards to pay them off. I have been an AU under my father in law account for about a year and a half.

Re: Amex Charged-off

Anonymous — Sun, 28 May 2017 16:32:49 GMT

Very well, understood. Glad to hear you will eventually pay them.