@Chappy6995 wrote:Amex approved me for the BCP 7 years after burning them for $4K and not paying it back. My SL was $5K, the card is now at $15K a year later.
I used my old login and it shows the two cards that have been cancelled. I am slowing paying off the $4K but it seemingly had no impact on my BCP approval.
@OCONUS wrote:I have a question for the pros.
I have three AMEX that were CO'ed in 2016. They are still showing in my AMEX login account. Amex pre-approval returned an AMEX Plat that I would like to pull the trigger on.
Where should I register the new account?
Given the fact that three AMEX are already showing in my online AMEX Account, can I register it there without having any unintended consequences?
Amex Cancelled Acounts
In case I try, I will use the old account. I hope it goes fine
@youngandcreditwrthy wrote:
@OCONUS wrote:Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.
Amex Plat
Dont forget the charge cards, even the platinum, arew usually easier to get for the revolvers. Id test the waters with this revolver. What I would DEFINITELY avoid is having deposit accounts with them like their high yield savings.. bc they could easy jack that money and apply it to your old COs depending on jurisdictional law.. but even then its amex and fighting them to get even 10k back that you owed them regardless of any civil law they could break by taking your money in an account they own would be tough.
so TREAD lightly my friend.
If you can afford the platinum, take it.. wait until you start seeing that revolving option pop up on amex then maybe go for a flat out amex revolver app.
Good luck. Amex is a bunch of knuckleheads who have truthfully been in trouble with the CFPB for holding decade old COs over current applicants head illegally somewhat according to CFPB
I agree, AMEX is a strange issuer and that is why it is often times in hot waters with CFPB. I never had any checking with them but for credit products, I am very careful to not trigger anything.
intesting let me test this out later i do have co which drop off next year... before applying you had co drop off correct ?
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@911gt34life wrote:intesting let me test this out later i do have co which drop off next year... before applying you had co drop off correct ?
Yes, no CO currently reporting.
@OCONUS wrote:Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.
Congratulations I think.
Be sure to let us know how it turns out.
@SouthJamaica wrote:
@OCONUS wrote:Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.
Congratulations
Be sure to let us know how it turns out.
What do you suggest on using the old Amex Online Account tool? It is already showing three cancelled cards.
@OCONUS wrote:
@SouthJamaica wrote:
@OCONUS wrote:Long story short, in 2016, I burned Amex for around 12k and never made them whole. Today I decided to test the waters and this is what returned! I am not sure how reliable is this but it offered me to accept the card with a HP.
Congratulations
Be sure to let us know how it turns out.
What do you suggest on using the old Amex Online Account tool? It is already showing three cancelled cards.
I have no idea.
If it were me, I'd stick with the same log in. And remove the old cards from online management.
UPDATE!
Pulled the trigger on Plat after the CSP and it is returned "Approved." Thanks @SouthJamaica @Chappy6995 @youngandcreditwrthy encourg
Congratulations
Is it recommended to app for a revolver such as Blue Cash or should I wait it out?