AMEX lifetime ban?

[sjt]

@Wilburtheman 

Unlike other credit card companies, Amex doesn't sell their debts and has internal records of every account issued. They have pretty much a lifetime blacklist, although I have seen people get back in if the charge-off was small. 

[Jnbmom]

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@sjt wrote:

@Wilburtheman 

Unlike other credit card companies, Amex doesn't sell their debts and has internal records of every account issued. They have pretty much a lifetime blacklist, although I have seen people get back in if the charge-off was small. 

I would assume all banks have internal records for account holders. With time you eventually get off the AMEX blacklist , times varies though .

Now Barclays may be in a league of their own 😳 I have been on their list for 17 years .. 

[Wilburtheman]

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@FinStar wrote:

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@Wilburtheman wrote:

I've never seen any issuer have lifetime bans. Some have longer memories than others but you still have a chance at getting back in. A friend messed up his first card when he was around 20 with Amex. Ten years later he applied and got denied. He called them and was finally able to get back in. It wasn't a big limit but it was at least something. 

maybe calling could help 

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There are a variety issuers with lifetime bans. Read around.  

With that being said, AmEx has been known to have the memory of an elephant where some community members have not been able to crack them or get approved even after 20 or 30+ years, profile and ban-specific of course. In a variety of such scenarios, the debt is still outstanding, but other members have been able to get approved years later. Obviously, everyone's outcome will vary and just because someone can get approved despite a negative past experience with AmEx others won't.

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True but what I mean is I've seen at least the main big issues allow some to get back in even after burning them and not a cut and dry ban forever for some. I should have said burning them is not always a lifetime ban.For some I guess it could be.  Some do get back in. The issuers seem to take it case by case 

At one time it seemed like amex was letting some get an optima card after paying back the old stuff. 

[OmarGB9]

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@Wilburtheman wrote:

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@FinStar wrote:

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@Wilburtheman wrote:

I've never seen any issuer have lifetime bans. Some have longer memories than others but you still have a chance at getting back in. A friend messed up his first card when he was around 20 with Amex. Ten years later he applied and got denied. He called them and was finally able to get back in. It wasn't a big limit but it was at least something. 

maybe calling could help 

---

There are a variety issuers with lifetime bans. Read around.  

With that being said, AmEx has been known to have the memory of an elephant where some community members have not been able to crack them or get approved even after 20 or 30+ years, profile and ban-specific of course. In a variety of such scenarios, the debt is still outstanding, but other members have been able to get approved years later. Obviously, everyone's outcome will vary and just because someone can get approved despite a negative past experience with AmEx others won't.

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True but what I mean is I've seen at least the main big issues allow some to get back in even after burning them and not a cut and dry ban forever for some. I should have said burning them is not always a lifetime ban.For some I guess it could be.  Some do get back in. The issuers seem to take it case by case 

At one time it seemed like amex was letting some get an optima card after paying back the old stuff. 

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Indeed, as with most things in credit, it's very much YMMV.

[Jeffster1]

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@Jnbmom wrote:

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@sjt wrote:

@Wilburtheman 

Unlike other credit card companies, Amex doesn't sell their debts and has internal records of every account issued. They have pretty much a lifetime blacklist, although I have seen people get back in if the charge-off was small. 

I would assume all banks have internal records for account holders. With time you eventually get off the AMEX blacklist , times varies though .

Now Barclays may be in a league of their own 😳 I have been on their list for 17 years .. 

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I got a Barclays card way back when they were Juniper. I used it very sporadically and had it for about 11 years.When  I filed in 2017, I think I was only on the hook for a couple hundred dollars with them. They got paid back 100 percent but they can have their cards ! 🤣

[Wilburtheman]

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@Jeffster1 wrote:

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@Jnbmom wrote:

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@sjt wrote:

@Wilburtheman 

Unlike other credit card companies, Amex doesn't sell their debts and has internal records of every account issued. They have pretty much a lifetime blacklist, although I have seen people get back in if the charge-off was small. 

I would assume all banks have internal records for account holders. With time you eventually get off the AMEX blacklist , times varies though .

Now Barclays may be in a league of their own 😳 I have been on their list for 17 years .. 

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I got a Barclays card way back when they were Juniper. I used it very sporadically and had it for about 11 years.When  I filed in 2017, I think I was only on the hook for a couple hundred dollars with them. They got paid back 100 percent but they can have their cards ! 🤣

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Yeah I had a juniper card that sucked. My usairways card turned into aa and Barclays has been mediocre. 

[805orbust]

@fastboat I had the exact same situation as you and @916networktech .  In 1990 (college) I burned them for $3,000 on an old green card. Never paid. They gave me an Everyday card back in 2015 or so with a $1,000 limit. That card sits at $27,000 now.  May not hurt to call them. What card did you apply for?

**Edit**  Nevermind, I saw it was the Platinum. I almost thin you may have been better off applying for one of their revolvers and growing it. May or may not be worth your time.

[fastboat]

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**Edit**  Nevermind, I saw it was the Platinum. I almost thin you may have been better off applying for one of their revolvers and growing it. May or may not be worth your time.

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Is there really that much difference in terms of acceptance? In other words, isnt a platinum card just a higher fee card with more perks? I mean could you not have a customer with a green card who amex is happy to let put a ferrari on the card, but a platinum card member that might get called to the phone to talk to a rep (do they do that any more) about a $500 business suit purchase because he is floating $5000 on sign and travel?  ('m probably dating myself here!).

The *only* reason why I am looking to get back in with AMEX is the platinum card and it's travel perks. the other cards really dont interest me.

FWIW I have previously used the generic 'see if you prequalify for any card' tool before - and just for the heck of it, I did it just now again - and came back with a 'sorry'....

edit: another point(s) of trivia, citi just bumped my CL on one of lesser used cards. And my experien fico is 798 right now. 

[Drifter73]

I was irresponsible with Amex back in 1992 (like yourself) and still blacklisted to this day.

They were nice enough to refer me to the credit one 5%cb gas, grocery, phone credit card using the Amex network 3rd party, but expressed no hope in a direct relationship again.

I've come to terms with it and moved on.

Doing just fine these days growing with 11+ other lenders.

[Jeffster1]

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@Wilburtheman wrote:

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@Jeffster1 wrote:

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@Jnbmom wrote:

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@sjt wrote:

@Wilburtheman 

Unlike other credit card companies, Amex doesn't sell their debts and has internal records of every account issued. They have pretty much a lifetime blacklist, although I have seen people get back in if the charge-off was small. 

I would assume all banks have internal records for account holders. With time you eventually get off the AMEX blacklist , times varies though .

Now Barclays may be in a league of their own 😳 I have been on their list for 17 years .. 

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I got a Barclays card way back when they were Juniper. I used it very sporadically and had it for about 11 years.When  I filed in 2017, I think I was only on the hook for a couple hundred dollars with them. They got paid back 100 percent but they can have their cards ! 🤣

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Yeah I had a juniper card that sucked. My usairways card turned into aa and Barclays has been mediocre. 

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I seem to recall the website for my Barclays card looking like it was designed by an 8th grader.