Another Amex, Blacklist, AU question...

[Anonymous]

Hello everyone. I have been lurking here for a while and decided to finally join.

A quick history. I got my first cards in my late teens and was irresponsible. I let them go and didn’t re-apply for credit again until my late twenties. I was doing well until I spent more than I earned and dug myself a hole. I was actually keeping up with minimum payments but was choking. I tried contacting everyone and consolidating and was basically told to F off. Filed Chapter 7 in 2008, discharged in 2009. I burned Amex for almost 10 grand on a Gold Rewards.

Since the discharge, I’m back in the game with an average 680 to low 700s and never late on various Visas. Highest limit $12,000, lowest $1300.

I applied for Amex a few times but am obviously blacklisted. Fast refusal, no hard pull.

My question. My Mom added me as an Authorized User on her new Amex Blue over the passed holiday weekend. She got a message it was under review. It’s been a few days now, no answer. Is that a good sign?

Anyone else sneak in under the radar?

Thank you.

[Anonymous]

If you're blacklisted they won't add you as an AU. I know that's not what you want to hear but Amex doesn't forget.

[Anonymous]

Thanks for the reply.

I've accepted I may be blacklisted for a while, if not longer.

I really wanted the benefits of that memeber since 99.

The card I can live without really.

[RonM21]

If you can live without it, then good for you on not doing something you may not really need to do. That's being smart, which can be tough in this credit game.

[creditguy]

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@Anonymous wrote:

Thanks for the reply.

I've accepted I may be blacklisted for a while, if not longer.

I really wanted the benefits of that memeber since 99.

The card I can live without really.

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What benefits are you referring to when you mention member since 99? Whenever Amex lets you back in it will still say member since 99 but it means nothing and has no benefits. It will report on your CR as a new account and be reported the day you open it not backdated to 99. 

[Anonymous]

I thought I read on here that if they did let me back in and they reinstated my member date of 1999, it'd help the length of account on my credit reports.

That would really be the only benefit I'd get from them. There are so many good cards out there now.

Thanks for your replys!!!

[Anonymous]

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@Anonymous wrote:

I thought I read on here that if they did let me back in and they reinstated my member date of 1999, it'd help the length of account on my credit reports.

That would really be the only benefit I'd get from them. There are so many good cards out there now.

Thanks for your replys!!!

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They no longer do that.  It would only say 1999 on the card but would be reported on your reports as opened in 2016

[Anonymous]

The letter came in the mail today, it's official... I'm SUPER black listed.

No Amex card for me as I've been a bad boy. I sure as heck ain't gonna beg them to take my money!!!

Thanks again guys.

[creditguy]

Sorry that your blacklisted, but as you say and this is true, there are many great cards out there that provide a lot of benefits, so you have many many options, they will probably open the door one day but hey by then you can tell them no thanks, lol.

[NichelleN]

Sorry to hear about your situation OP. It sounds like you've recovered well and have options. That's good.

I admit that I did smile at "SUPER" blacklisted. Never heard of it described that way!

And I had no idea that AMEX won't even do an add as an AU if you're blacklisted.