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For those that got back in with Amex, consider yourself lucky. I got denied today for my old charge off account from 2008. I applied since I was getting pre-quals off the business and personal websites, thought I was in the good graces with Amex, nope. Oh well so far Ive been approved by 4 CC and 1 personal loan, 2 of those CCs I also burned but they let me back in. So who really needs an Amex 😊
Sounds like it is still an unpaid charge-off which of course tends to linger in their database 'memories' for a long time. Some customers can overcome the blacklist (paid/unpaid, IIB, etc.) over time and still get approved, but any outcomes will always vary .
@FinStar wrote:Sounds like it is still an unpaid charge-off which of course tends to linger in their database 'memories' for a long time. Some customers can overcome the blacklist (paid/unpaid, IIB, etc.) over time and still get approved, but any outcomes will always vary .
Unpaid and long time statue of Limits to collect ran out. They have a long memory, which is fine with me. Happy Im building my cards with other, this is just a FYI for those in the same boat who wanna try with Amex
As you discovered for yourself, AMEX has a disconnect between their internal blacklist and their prequalification application. One can be prequalified while still on the blacklist.
If you're blacklisted you're automatically denied without a HP being performed. This incidentally is a known way of discovering if one is still on the blacklist, if your application had triggered a HP it would have meant you were off the blacklist even if the application were ultimately denied.
@Anonymous wrote:For those that got back in with Amex, consider yourself lucky. I got denied today for my old charge off account from 2008. I applied since I was getting pre-quals off the business and personal websites, thought I was in the good graces with Amex, nope. Oh well so far Ive been approved by 4 CC and 1 personal loan, 2 of those CCs I also burned but they let me back in. So who really needs an Amex 😊
FenderGuy, AmEx will take you back. I was in the same boat as you. I found out after waiting 18 years, I only had to wait 12 with them.
As I posted elsewhere, when they take you back (and they will), your original "Member Since" will still be acknowledged. AND, when you talk to CSRs, they will thank you for being a long time member.
I think you applied too soon. I suggest wait until the last quarter of this year, or the beginning of next year for sure.
Have u tried for the Green Charge Card ? That is normally how you get back in the door....
just food for thought.
They didnt HP me so its clear Im on the blacklist, no worries I now have 5 CC and 1 installment loan on my credit report. Which is what I wanted to build my credit vs only having 1 CC. If Amex will take me back they will have to wait 2 years from now lol
This is interesting...I applied for and was approved for a green Amex freshman year of college (1992). Despite my parents urging, I decided that I didnt want a revolving charge card and cut it up and had them close account. I wonder if I called that they would still have that in the system and would be a member back to then? I might just call...
Thanks!
@Ricky_D wrote:
@Anonymous wrote:For those that got back in with Amex, consider yourself lucky. I got denied today for my old charge off account from 2008. I applied since I was getting pre-quals off the business and personal websites, thought I was in the good graces with Amex, nope. Oh well so far Ive been approved by 4 CC and 1 personal loan, 2 of those CCs I also burned but they let me back in. So who really needs an Amex 😊
FenderGuy, AmEx will take you back. I was in the same boat as you. I found out after waiting 18 years, I only had to wait 12 with them.
As I posted elsewhere, when they take you back (and they will), your original "Member Since" will still be acknowledged. AND, when you talk to CSRs, they will thank you for being a long time member.
I think you applied too soon. I suggest wait until the last quarter of this year, or the beginning of next year for sure.
The original "member since" isn't guaranteed...I had a charge card with them in 1993 and closed it a few years later. I came back to AMEX in 2017 and the date is "member since 2017". I read somewhere on the forums that they stopped backdating (the history and the member since dates). Maybe it's YMMV...