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AMEX application after Amex charge-offs

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Brian_Earl_Spilner
Credit Mentor

Re: AMEX application after Amex charge-offs


@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 

    
Message 11 of 37
Anonymous
Not applicable

Re: AMEX application after Amex charge-offs


@Brian_Earl_Spilner wrote:

@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


Smiley Sad 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.

Message 12 of 37
Brian_Earl_Spilner
Credit Mentor

Re: AMEX application after Amex charge-offs


@Anonymous wrote:

@Brian_Earl_Spilner wrote:

@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


Smiley Sad 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.


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.

    
Message 13 of 37
seattletravels
Valued Contributor

Re: AMEX application after Amex charge-offs

Good luck OP!



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 14 of 37
RehabbingANDBlabbing
Established Contributor

Re: AMEX application after Amex charge-offs

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.

Message 15 of 37
Anonymous
Not applicable

Re: AMEX application after Amex charge-offs


@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.


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. 

Message 16 of 37
Anonymous
Not applicable

Re: AMEX application after Amex charge-offs


@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.


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.

Message 17 of 37
coldfusion
Community Leader
Mega Contributor

Re: AMEX application after Amex charge-offs


@Anonymous wrote:

@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.


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.


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.

 

(5/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 18 of 37
Meanmchine
Super Contributor

Re: AMEX application after Amex charge-offs

Congrats on not being BLed.  Good luck on yourr apps

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 19 of 37
Anonymous
Not applicable

Re: AMEX application after Amex charge-offs

Updated post.

Message 20 of 37
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