still on Amex blacklist after 12 years

[Jccflat]

I am a little over five years bk7 and got 4 Amex cards as of now all in the last 6 months and amex was included in my bk

[Horseshoez]

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@Jccflat wrote:

I am a little over five years bk7 and got 4 Amex cards as of now all in the last 6 months and amex was included in my bk

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How much was AMEX burned for?  Apparently that makes a HUGE difference.

[lgtwriter]

@Rogue46  There are many people who have longer blacklist periods. 5.5 years is an average. I got my paper reason in the mail and it said I was rejected because Amex had "closed one of my accounts".

@Jccflat  you posted on this thread how you have multiple AMEX cards after including them in a bankruptcy, that is really not relevant to me since I have no idea what your data points are.

In any case, I posted this thread to be helpful to those who are on the blacklist longer like me.

I really am not upset about not having AMEX cards. I will accrue miles with my second Discover card, which gives miles as rewards. I might change one of my Capital One cards to a mileage card too if I continue to travel for work.

In any case, for those that got cards quickly after bk'ing AMEX enjoy your cards! 

[Horseshoez]

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@lgtwriter wrote:

@Horseshoez  you posted on this thread how you have multiple AMEX cards after including them in a bankruptcy, that is really not relevant to me since I have no idea what your data points are.

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I think you have me confused with someone else, I am definitely on AMEX's bad boy list and don't expect to be approved for a personal AMEX any time soon, if ever.  That said, I just changed jobs and will be doing lots of traveling, and my company issues AMEX Corporate cards, so I may end up with an AMEX, but it certainly won't be "mine".

[lgtwriter]

@Horseshoez  oops I tagged the wrong person lol. I'll edit it. So sorry for the mistake!

I know that when I applied for a Corporate AMEX card they still asked for my social security number. This was before I was blacklisted so I received the card. I didn't have any reason not to at the time. But I do know people personally who have been rejected. It has to be signed off on at a much higher level if you are blacklisted. It is possible to get one, but more difficult.

[Brian_Earl_Spilner]

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@barca wrote:

did you try thier prequalification first to see if they prequalify you?

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You can prequalify for cards even if you're on the blacklist. It's not until you actually apply and the system checks it's database that you'll be declined.

[MrDFinance]

I feel your pain ...I burned them as soon as I turned 18 and took 10 years to get them back .....😮‍💨

[Anonymous]

Amex will eventually let you back in.  Barclay's however is for life.

[risingup2day]

Sorry to hear you about your denial. I was young, immature and lack credit knowledge. I got my cards (two) both revolvers. Stop paying them in 2010. I filed BK7 in 2014, Amex was included for a few thousands. I applied a once maybe twice - as the years passed... immediately denied citing previous account default or something that affect. Checking pre approval site always said, "NOPE!" 

Until earlier this year, I checked preapproval and to my amazement, it said I qualified for Gold and Platinum. I was a non believer, figured it was wrong... fake news! Late night April I decided to pull the trigger -

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/BK7-6-yrs-removed-included-Amex-APPROVED/td-p...

Here's some DP's in the event you don't wanna read it 

BK7 Discharge 12/14

Amex was included for a few thousands

Inq 5 to 8 depending on CB

Uti across all accounts 3%
new accounts 7/24

I think my scores was sitting 690's or just over 700's. 

One day you will get back in! 

[risingup2day]

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@Jccflat wrote:

I am a little over five years bk7 and got 4 Amex cards as of now all in the last 6 months and amex was included in my bk

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@Jccflat Are your Amex cards revolvers and "your" cards? Curious if you have the $1K limits on any revolvers?