AMEX application after Amex charge-offs

[Brian_Earl_Spilner]

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@Anonymous wrote:

Updated Post 02/09:

While still waiting to hear back from AMEX. I decided to do the pre-qualify application and got pre-qualified offers for Delta Skymiles Gold, Platinum, and Reserve. I think this definitely means I'm not blacklisted

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It doesn't. It just means you have the minimum stats needed to be approved. When you actually app, they'll compare your info to their database. At that point, depending on what happens, you'll know if you're still blacklisted 

[Anonymous]

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@Brian_Earl_Spilner wrote:

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@Anonymous wrote:

Updated Post 02/09:

While still waiting to hear back from AMEX. I decided to do the pre-qualify application and got pre-qualified offers for Delta Skymiles Gold, Platinum, and Reserve. I think this definitely means I'm not blacklisted

---

It doesn't. It just means you have the minimum stats needed to be approved. When you actually app, they'll compare your info to their database. At that point, depending on what happens, you'll know if you're still blacklisted

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Ah okay, reading through the AMEX blacklisted data points thread I saw that if you were blacklisted you would not get any pre-qualified offers.

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

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@Anonymous wrote:

Updated Post 02/09:

While still waiting to hear back from AMEX. I decided to do the pre-qualify application and got pre-qualified offers for Delta Skymiles Gold, Platinum, and Reserve. I think this definitely means I'm not blacklisted

---

It doesn't. It just means you have the minimum stats needed to be approved. When you actually app, they'll compare your info to their database. At that point, depending on what happens, you'll know if you're still blacklisted

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Ah okay, reading through the AMEX blacklisted data points thread I saw that if you were blacklisted you would not get any pre-qualified offers.

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No, even if you have a BK, the system can come back with prequals, which it shouldn't because you're excluded for at least 5 yrs and 1 mos if they weren't IIB.

[seattletravels]

Good luck OP!

[RehabbingANDBlabbing]

In my situation, my Blue Cash card had been enrolled in a hardship payment plan. I entered the plan in 2017 and paid off the full balance early in 01/2019. I called and asked them about it after I paid the card off and they said it would take 12 months plus an additional billing cycle after the cycle I paid off the account before I would be eligible to apply for a new AmEx product. So basically, you have to wait 13 months after you were on such a plan before they will approve you for any new AmEx products. This might apply to your situation if you were on such a plan, FYI.

My account never went late, and the hardship plan is the only derogatory thing in my internal record with them. I am hoping to apply next month. My EX score got up to 664 recently, which would be good enough to get an AmEx, but I do have some negative accounts on my Experian that may prevent an approval. I applied on 01/27 for the Blue Cash Preferred and was instantly denied with no HP. They sent a letter in the mail mentioning the payment plan during the last 12 months, so I just need to wait it out.

[Anonymous]

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@RehabbingANDBlabbing wrote:

In my situation, my Blue Cash card had been enrolled in a hardship payment plan. I entered the plan in 2017 and paid off the full balance early in 01/2019. I called and asked them about it after I paid the card off and they said it would take 12 months plus an additional billing cycle after the cycle I paid off the account before I would be eligible to apply for a new AmEx product. So basically, you have to wait 13 months after you were on such a plan before they will approve you for any new AmEx products. This might apply to your situation if you were on such a plan, FYI.

My account never went late, and the hardship plan is the only derogatory thing in my internal record with them. I am hoping to apply next month. My EX score got up to 664 recently, which would be good enough to get an AmEx, but I do have some negative accounts on my Experian that may prevent an approval. I applied on 01/27 for the Blue Cash Preferred and was instantly denied with no HP. They sent a letter in the mail mentioning the payment plan during the last 12 months, so I just need to wait it out.

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When I finished paying off my cards they told me to wait 35 days before applying but I thought that was just a boilerplate answer since I'd be blacklisted anyways.

Your situation with the instant denial and no HP is what I've always read for blacklisted customers and that is what I also expected when applying. I was surprised that the application went through and is even being considered. 

[Anonymous]

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@RehabbingANDBlabbing wrote:

In my situation, my Blue Cash card had been enrolled in a hardship payment plan. I entered the plan in 2017 and paid off the full balance early in 01/2019. I called and asked them about it after I paid the card off and they said it would take 12 months plus an additional billing cycle after the cycle I paid off the account before I would be eligible to apply for a new AmEx product. So basically, you have to wait 13 months after you were on such a plan before they will approve you for any new AmEx products. This might apply to your situation if you were on such a plan, FYI.

My account never went late, and the hardship plan is the only derogatory thing in my internal record with them. I am hoping to apply next month. My EX score got up to 664 recently, which would be good enough to get an AmEx, but I do have some negative accounts on my Experian that may prevent an approval. I applied on 01/27 for the Blue Cash Preferred and was instantly denied with no HP. They sent a letter in the mail mentioning the payment plan during the last 12 months, so I just need to wait it out.

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When I finished paying off my cards they told me I could apply again after 35 days. I didn't think anything of it and figured it was just a boilerplate statement. Your situation with the instant denial and no HP is what I've read happens to blacklisted customer and that is what I expected when I was applying. I was surprised that the application went through and is even being considered. I don't know how AMEX decides who to blacklist or not because I definitely burned them for ~7k. I paid them about 9k over 4 months but 7k of that was me settling the 14k charged off balance for the SimplyCash Plus card.

[coldfusion]

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@Anonymous wrote:

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@RehabbingANDBlabbing wrote:

In my situation, my Blue Cash card had been enrolled in a hardship payment plan. I entered the plan in 2017 and paid off the full balance early in 01/2019. I called and asked them about it after I paid the card off and they said it would take 12 months plus an additional billing cycle after the cycle I paid off the account before I would be eligible to apply for a new AmEx product. So basically, you have to wait 13 months after you were on such a plan before they will approve you for any new AmEx products. This might apply to your situation if you were on such a plan, FYI.

My account never went late, and the hardship plan is the only derogatory thing in my internal record with them. I am hoping to apply next month. My EX score got up to 664 recently, which would be good enough to get an AmEx, but I do have some negative accounts on my Experian that may prevent an approval. I applied on 01/27 for the Blue Cash Preferred and was instantly denied with no HP. They sent a letter in the mail mentioning the payment plan during the last 12 months, so I just need to wait it out.

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When I finished paying off my cards they told me I could apply again after 35 days. I didn't think anything of it and figured it was just a boilerplate statement. Your situation with the instant denial and no HP is what I've read happens to blacklisted customer and that is what I expected when I was applying. I was surprised that the application went through and is even being considered. I don't know how AMEX decides who to blacklist or not because I definitely burned them for ~7k. I paid them about 9k over 4 months but 7k of that was me settling the 14k charged off balance for the SimplyCash Plus card.

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This is the first time I've heard of someone appearing to be off the blacklist while having paid the personal card in full but settling a business card.

[Meanmchine]

Congrats on not being BLed.  Good luck on yourr apps

[Anonymous]

Updated post.