@combatmedic2107 wrote:
I applied and received a 3k SL for a BOA travel card. The next day I applied a received a 3k SL on BOA cash rewards card. APR is 17 %. Experian score was 683 at time I applied. Still rebuilding from a job change back in 2013 that resulted in me defaulting on serveral cards.
I had a Amex card that I still owe 1k on. I am not interested in the Oasis. If I pay the amount in full, will they let me apply again. I cannot even be added currently to my wife's Cash magnet or Delta Sky Miles.
BOA Cash Rewards 3K
BOA Travel Rewards 3K
Sportsman Guide 4.2 K
First Tech CU 10k
Total Rewards 2.5k
Williams Sonoma 2k
Overstock 14k
BP Gas Card 300
Care Credit 4.5k
Car Credit 1.5k
Amazon card 800
Walmart Card 2.5k
Express 300
Regards
Experian Fico 8 683
My score was a 664 on my Experian. It think it certainly worth a shot for you. Just pay it off and then apply. From all that I have read from others, and from my own experience, the absolute first step with AMEX is paying them back. They never seem to forget. I've defaulted on accounts with Cap One, and Bank of America before, but they eventually let me back in even without payment. If your unpaid default on AMEX was from 6 years ago, that may seem like a long time, but there are many people who've been blacklisted much longer. I had like 4 -5 cards with AMEX like 20 years ago, and I messed up on them/Charge Offs..etc, but paid them off back then. I figured I was pretty much blacklisted for life though, but just two weeks ago I got approved for an GOLD card, and a CASH MAGNET card, with a "WELCOME BACK" on the approval screen. As long as you make good on the debt with them, there is always at least hope. They could take your payment and still make you wait more years though, so I guess you have to decide how important that $1000 is to you right now, and how important it is for you to have an Amex card.
