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Amex Blacklist

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Jeffster1
Valued Contributor

Amex Blacklist

I filed my Chapter 13 in April 2017, and was discharged in January 2021. It ended  being a 100 percent plan as I sought, and got my DC early. I included two Amex cards in my 13. Today I decided to test the waters with the Amex pre-qualifier. It said I was pre-qualified for the Gold. Recently, I had tried it and it said I wasn't qualified for anything. 

I pulled the trigger on the application for the Gold. TU pull....but denied. I'll wait for the letter to see the reasons for rejection. My TU FICO8 is at 690. My reason for posting is that it looks like I am not on the Amex blacklist. All that I have read indicates that they would not have even pulled a CR if I were on the blacklist. Is that still correct?

FICO 8 (3/1/24) EX 805 EQ 824 TU 844

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 10K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 6.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
19 REPLIES 19
sjt
Senior Contributor

Re: Amex Blacklist


@Jeffster1 wrote:

I filed my Chapter 13 in April 2017, and was discharged in January 2021. It ended  being a 100 percent plan as I sought, and got my DC early. I included two Amex cards in my 13. Today I decided to test the waters with the Amex pre-qualifier. It said I was pre-qualified for the Gold. Recently, I had tried it and it said I wasn't qualified for anything. 

I pulled the trigger on the application for the Gold. TU pull....but denied. I'll wait for the letter to see the reasons for rejection. My TU FICO8 is at 690. My reason for posting is that it looks like I am not on the Amex blacklist. All that I have read indicates that they would not have even pulled a CR if I were on the blacklist. Is that still correct?


I would call and find out. Its not the BK because its past the 5 years (they go by date filed). You can also go to this link:
https://online.americanexpress.com/eaol/statusCheckAction.do

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 2 of 20
Jeffster1
Valued Contributor

Re: Amex Blacklist

@sjt 

 

i cannot thank you enough for that link. I'll try it again later as it appears to be down. I'm getting the following message, "We apologize, but due to a system error we are currently unable to access your application. Please try again later."

 

I'll try later. Thank you again. I'm sure it's too many Inquiries.

FICO 8 (3/1/24) EX 805 EQ 824 TU 844

Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 10K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 6.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 3 of 20
sjt
Senior Contributor

Re: Amex Blacklist

Also, try calling 800-528-4800

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 4 of 20
ReturnOfTheCredi
Contributor

Re: Amex Blacklist

My BK discharge hits the 10-year mark in August. It has already fallen off my Equifax report, but not TU or Experian (and my scores on TU and Experian are about the same or slightly higher than my Equifax......not sure why that is). To this day Amex still auto-denies any app I submit. I don't personally care much since there are SO many better options than anything Amex offers, but I'll still check again in September or after. I have seen some people claim they were able to get back in with them with their BK still showing, but it seems to be a crap shoot.

 



Message 5 of 20
Rogue46
Established Contributor

Re: Amex Blacklist

I was back in with Amex just over the 5.5 yr mark if that helps





Message 6 of 20
sjt
Senior Contributor

Re: Amex Blacklist


@ReturnOfTheCredi wrote:

My BK discharge hits the 10-year mark in August. It has already fallen off my Equifax report, but not TU or Experian (and my scores on TU and Experian are about the same or slightly higher than my Equifax......not sure why that is). To this day Amex still auto-denies any app I submit. I don't personally care much since there are SO many better options than anything Amex offers, but I'll still check again in September or after. I have seen some people claim they were able to get back in with them with their BK still showing, but it seems to be a crap shoot.

 


Did you burn Amex in your BK? Also, I would contact Experian and Equifax to see if you can get an early deletion of your BK. Experian tends to delete 3-4 months prior upon request.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 7 of 20
ReturnOfTheCredi
Contributor

Re: Amex Blacklist

Yes, Amex was included. I want to say to the tune of $4k or less. Don't recall off hand. I suppose I could stay blacklisred with them indefinitely.

 

Also, Equifax was the one that already dropped the BK. Do you have a number that I can reach someone at for Experian and TU that would be able to remove the BK early? I'd never heard that before, so thanks for the tip!



Message 8 of 20
bigseegar
Established Contributor

Re: Amex Blacklist


@sjt wrote:

@ReturnOfTheCredi wrote:

My BK discharge hits the 10-year mark in August. It has already fallen off my Equifax report, but not TU or Experian (and my scores on TU and Experian are about the same or slightly higher than my Equifax......not sure why that is). To this day Amex still auto-denies any app I submit. I don't personally care much since there are SO many better options than anything Amex offers, but I'll still check again in September or after. I have seen some people claim they were able to get back in with them with their BK still showing, but it seems to be a crap shoot.

 


Did you burn Amex in your BK? Also, I would contact Experian and Equifax to see if you can get an early deletion of your BK. Experian tends to delete 3-4 months prior upon request.


If you burned AmEx you can expect a wait of 10-20 years probably to come off Blacklist. I didn't burn them or owe them and it still took me 19 years to be removed.

Message 9 of 20
ReturnOfTheCredi
Contributor

Re: Amex Blacklist

He was responding to me about the early BK drop off. I'm about to hit 10 years in August.



Message 10 of 20
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