@LeChauffeur wrote:I just spent 10k for the chance to be let back in. Was denied due to previously closed account from 15 years ago. They don't forget it seems...
You paid $10k and they still deny you? Was that your entire balance?
@aceswild15 wrote:Their customer service rep told me that repaying the loan post bankruptcy is not an option for them. Is that a new policy?
Be mindful that (if I understand correctly) there is very specific wording reps have to use when a debt is not collectible under federal law. It wouldn't surprise me if a cryptic statement from them is supposed to mean "we can't require you to pay us anything, but we also can't stop you" or to that effect. In my case, after asking many questions they told me the amount of my chargeoff that was included in Ch 7 - something silly, under $1,500. Then I asked them what the remittance address was. I mailed a check in that amount to said address, which they deposited and (weeks later) I got a letter stating the closed account was paid-in-full. The last 5 x digits on their letter matched my old card number. Since then, the "unable to approve because we closed your prior account" has not appeared on denial letters. Not sure any of this pertains to your situation, but I hope it helps? My understanding is that it means I'm off the blacklist, but they still won't approve me for anything...
@aceswild15 wrote:They also said that there is no set time line when you may be eligible to reapply for their cards.
Can't find anything conclusive here, either - other than random anecdotes posted around these forums or elsewhere...
@aceswild15 wrote:I just wish there was more clarity on how to get a second chance with them to show your worthiness.
Definitely agree, but my situation sounds slightly different in that I had to file Ch 7 due to reasons which had nothing to do with credit cards. Now, I feel like I'm applying for an upscale restaurant franchise - but being denied because someone thinks you took a $1 bill out of the register back when you worked at McDonald's in high school.
@CreditCuriosity wrote:if you want the card with them that badly.
Obviously depends on a number of factors, but yes - especially for people who live near a Delta hub or otherwise like flying with them. Now we must rethink our priorities, due to partnerships that THEY chose...
@aceswild15 wrote:I may submit something to them in writing as suggested by the rep. It's literally the 1 hanging thing that im trying to grab to get me back to where I was pre Chapter 7.
Similar situation for me, as well - I've had little or no trouble getting approved with every other Major. But it would appear as though AmEx is only willing to work with, talk to, or approve existing customers. Does anyone on these forums work for AmEx, or maybe know someone who does - like a higher-up in an executive office?
@SKBirdmind wrote:Obviously depends on a number of factors, but yes - especially for people who live near a Delta hub or otherwise like flying with them. Now we must rethink our priorities, due to partnerships that THEY chose...
Prior to the COVID thing I flew Delta at least a dozen tines per year, however , I lost my Platinum card in my 2015 Chapter 13, and definitely missed having lounge access. Given I was not in a 100% plan, and given AMEX got burned for something approaching thirty-grand, I figured it was much cheaper to simply buy a Sky Club member ship than to even think about a partial repayment to AMEX. At this point, if I were to keep my Sky Club membership until I croak, I will still be WAY ahead of where I'd be if I paid them in full. Yes, the Platinum card has other benefits beyond lounge access, but none which I cannot get from other non-AMEX cards.
