Amex Gold Declined after cleared BK

[mazimom4]

I'm a little frustrated so if anyone has a similar experience, would love to know what can be done, if anything.

So in 2009, we filed a BK (Ch. 7).  Since then, my scores have been up to 822/842/823.  I do have an Amex Hilton and I am an authorized user on my husband's Amex Marriott.  I tried to apply for Gold but was declined.  They said that it was because I had a canceled card from 2009. Which I remember still having to pay, despite the BK. So then my husband applied and was approved for the Gold, and so he was gonna add me as an authorized user, but I was still declined.  This doesn't make sense to me.  It's so frustrating because I have worked so hard to clean up my credit.  And clearly I have great credit now.  I have tried to call their reconsideration dept, but they say the same thing, because my card was cancelled before.

Does anyone have any advice?  Or has anyone had any success getting through to the reconsideration dept to get approved?

Thanks in advance.

[pizzadude]

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@mazimom4 wrote:

I'm a little frustrated so if anyone has a similar experience, would love to know what can be done, if anything.

So in 2009, we filed a BK (Ch. 7).  Since then, my scores have been up to 822/842/823.  I do have an Amex Hilton and I am an authorized user on my husband's Amex Marriott.  I tried to apply for Gold but was declined.  They said that it was because I had a canceled card from 2009. Which I remember still having to pay, despite the BK. So then my husband applied and was approved for the Gold, and so he was gonna add me as an authorized user, but I was still declined.  This doesn't make sense to me.  It's so frustrating because I have worked so hard to clean up my credit.  And clearly I have great credit now.  I have tried to call their reconsideration dept, but they say the same thing, because my card was cancelled before.

Does anyone have any advice?  Or has anyone had any success getting through to the reconsideration dept to get approved?

Thanks in advance.

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This seems strange if you already have another active AMEX card - the Hilton card is in your name, not as an AU ?

[myscoresucks2]

I would call and ask if the card had any balance on it when cancelled. So strange they would approve you for Hilton but not for charge card. 

[CreditPoor]

In all honesty Amex doesn't care about your credit scores, they literally approve people with 650s who make 25k a year and over extend to eventually default. They have a sophisticated data collection apparatus that provides them with spending and trending data to which they use to determine there application approvals. They want debters and low income people from what I can tell

[itlm062]

we have the same issue, bk back in 2011, amex was included in there...

was able to add myself to my cousin's marriott card as an AU, but everytime i applied, instant reject...

however, my wife was able to get approved even thou we were in bk together...

she got the plat, gold, and was unable to add me as AU, instant reject when we enter my SSN.

however, once she got in the business side with amex, she got the biz plat, biz gold, biz blue plus, she was able ot add me as an employee...even thou amex still ask for SSN, no rejection....

so now i am back in...just have to pay extra AU fees ($350 for biz plat, $50 for biz gold : )