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American Express - Declined

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Frequent Contributor

Re: American Express - Declined

That was the other point, it says I may qualify in the future, why give someone false hope if ur on a black list?

And absolutely, its why I tried to reaffirm it. My attorney said no, I said yes amex said no. He then said if I paid it and citi found out that it would open me back up to the $300k business debt that was still out there. So to your point, should I ignore the legal advice of my attorney and pay amex off and open myself up to legal liability? When Amex wouldnt work with me to get there $ back and prevent that additional liability? It was a charge card after all so they could have limited the purchases back down to nothing.
Citi TY MC (AU) $30,000 |Hilton Amex (AU) $30,000|USAA CR Amex $28,000 |Chase United $22,000|Nordstrom VS $25,000
PenFed Rwz VS $30,000 |Quick Silver $13,000 |BAC Cash Rwz $25,000|BBY Visa $10,000|PenFed LOC $25,000 | Lowes $30,000 | Care Credit $15,000 Discover It $6,600 |Costco Visa $5,000 |Consumer CCU VS $10,000
NFCU Flagship $19,800 |State Farm Visa $4,000 | Marvel MC $10,000| NFCU LOC $15,000| Wells Fargo 360 Amex $9,500| Citi AA $9,000| Huntington $6,500| BCU loc $25,000| Cap1 savor $10,000| PenFed Amex $7,500

Total Credit line $421,000 | FICO as of 8/3/2019 TU 730 |EQ 699 |EX 697| UTI 2%
Message 21 of 74
Highlighted
Established Contributor

Re: American Express - Declined

Credit card are like driver license is not a right .
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 22 of 74
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Senior Contributor

Re: American Express - Declined

The bottom line is you have to treat every application consistantly.

 

There is no violation of any law involved. Amex is very consistent in blacklisting, and denying credit to those who burn them. Many of us have been through this and waited it out until we were off the blacklist. Your BK is way too new to expect that.

Message 23 of 74
Highlighted
Valued Contributor

Re: American Express - Declined

lolcats-funny-pictures-submissions.jpg

Message 24 of 74
Highlighted
Senior Contributor

Re: American Express - Declined

That was the other point, it says I may qualify in the future, why give someone false hope if ur on a black list?

 

It isn't false hope. Many get off the black list eventually.

Message 25 of 74
Highlighted
Valued Contributor

Re: American Express - Declined

I can't with burned2manybridgesb4 😂😂😂😂😂
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 26 of 74
Highlighted
Valued Contributor

Re: American Express - Declined

Yet no mention of oasis, even though the CSR hinted at it...

Message 27 of 74
Highlighted
Valued Contributor

Re: American Express - Declined

What's that? LOL
TCL= $172,800
6-7-16: EQ 683 EX 713 TU 715
10-12-16 EQ 685 EX 706 TU 702 12-19-16 EQ 683 EX 704 TU 701 and CHILLING ON ICE...BRRRRR!
In the garden as of 6-7-16, I've been really really BADDDDD Smiley Sad Smiley Sad

Message 28 of 74
Highlighted
Moderator

Re: American Express - Declined


@Burned2manybridgesB4 wrote:

Yet no mention of oasis, even though the CSR hinted at it...


Yep that is what the CSR was getting at...  Oasis for OP if he can or is willing to pay back Amex.

Message 29 of 74
Highlighted
Frequent Contributor

Re: American Express - Declined

Every oasis number I have tried is always busy
Citi TY MC (AU) $30,000 |Hilton Amex (AU) $30,000|USAA CR Amex $28,000 |Chase United $22,000|Nordstrom VS $25,000
PenFed Rwz VS $30,000 |Quick Silver $13,000 |BAC Cash Rwz $25,000|BBY Visa $10,000|PenFed LOC $25,000 | Lowes $30,000 | Care Credit $15,000 Discover It $6,600 |Costco Visa $5,000 |Consumer CCU VS $10,000
NFCU Flagship $19,800 |State Farm Visa $4,000 | Marvel MC $10,000| NFCU LOC $15,000| Wells Fargo 360 Amex $9,500| Citi AA $9,000| Huntington $6,500| BCU loc $25,000| Cap1 savor $10,000| PenFed Amex $7,500

Total Credit line $421,000 | FICO as of 8/3/2019 TU 730 |EQ 699 |EX 697| UTI 2%
Message 30 of 74
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