After having a charge off from Amex (I had the Green card) back in 2013 which I pais in 2015.... I applied for the AMEX Blue Cash Everyday to “start over” and got approved with a $10k starting limit!!! I thought I would be denied due to being blacklisted but that wasn’t the case! AMEX pulled my Experian score.. I live in CA. I was hoping they’d pull my EQ but oh well.
Also, would I be able to get the “Member since 2013” or would it be “Member since 2018”? I’m asking because the email they sent me when I got the approval was... “Welcome to Blue Cash Everyday® from American Express Membership! We're excited that you have chosen American Express again.” I am hoping they honor my 2013 membership *fingers crossed*
Here’s some info:
Income: $75k
FICO: EQ 706, TU 704, EX 696
AAoA: 5 years
Derog: paid charge off from AMEX
Number of inquiries:
EQ: 0
TU: 0
EX: currently at 2 (Chase 7/29, AMEX 8/26)
