@joeyv1985 wrote:
@coldfusion wrote:AMEX welcomes back their prodigal children if they have led mostly virtuous lives after leaving home.
You made them whole, and it's been more than long enough for any lingering bad feelings on their part to have dissipated. The only way to know if they're ready to take you back is to apply. If you're on their blocklist you'll be instantly denied without a HP but if deferred or denied with a HP it means you were evaluated based on your merits.
LOL! Thanks for the vote of confidence curmedgeon. For the record, I went on their website earlier to see if a pre-qualified. I entered my information and it came back saying I pretty much pre-qualified for everything in their aresnal. I'm assuming any blockade of me getting a card from them, has been removed.
Despite my alias I do have a sense of humor. 
AMEX is like Chase in that the prequals don't look at every senario that would lead to an automatic denial - the classic Chase example is if one has a BK reporting - so you can't make that assumption. However:
In your particular case your account was closed due to perception of high risk, not due to fraud or chargeoff, and (very important) they were paid in full in a timely manner once the account was closed. Given that it's been 10 years I'd be amazed if you were (still) blocklisted.
@coldfusion wrote:
@joeyv1985 wrote:
@coldfusion wrote:AMEX welcomes back their prodigal children if they have led mostly virtuous lives after leaving home.
You made them whole, and it's been more than long enough for any lingering bad feelings on their part to have dissipated. The only way to know if they're ready to take you back is to apply. If you're on their blocklist you'll be instantly denied without a HP but if deferred or denied with a HP it means you were evaluated based on your merits.
LOL! Thanks for the vote of confidence curmedgeon. For the record, I went on their website earlier to see if a pre-qualified. I entered my information and it came back saying I pretty much pre-qualified for everything in their aresnal. I'm assuming any blockade of me getting a card from them, has been removed.
Despite my alias I do have a sense of humor.
AMEX is like Chase in that the prequals don't look at every senario that would lead to an automatic denial - the classic Chase example is if one has a BK reporting - so you can't make that assumption. However:
In your particular case your account was closed due to perception of high risk, not due to fraud or chargeoff, and (very important) they were paid in full in a timely manner once the account was closed. Given that it's been 10 years I'd be amazed if you were (still) blocklisted.
Your sense of humor is greatly appreciated. I'm in the gardening phase right now, but I wouldn't mind getting the Amex Platinum again in the next 18 months or so once my business is up and running. I'm trying to stay off the "Radar" so to speak and if I apply for a new credit card now, I'm just asking for it.
I think you have a great shot. If you're holding off and considering the card for business, I'd strongly suggest looking at the business version of the card. Other than a potential HP for the application, it will never report to your personal credit reports unless delinquent. Bypassing the current additional COVID incentives, it basically swaps the $200 Uber credit and $50x2 Sak's credit for the $100x2 Dell credit with a very slightly higher AF, 1.5x earning on purchases over $5k, and frequent Amex Offers that don't appear on the personal cards (like 10% statement credits from FedEx, FedEx Office, Staples, and Dell with very high maximums). If you redeem MRs through Amex Travel, there's a 35% rebate on the points used so they're worth at least 1.54 cents rather than 1 cent way. The business card only earns 5x when airfare is booked through Amex Travel, not when booked directly with the airline unfortunately, but otherwise there are a lot of positives to it.
