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Back in 2013, being newly separated and a one income home with my newborn, I was seriously struggling to pay my ZYNC AMEX every month and I had to let it chargeoff. The negative account fell off June 2020 and shortly after I was prequalified for the cobranded cards (delta gold and Hilton aspire) and I applied with an immediate denial without a hard pull. That's when I realized I was on the dreaded blacklist. I searched through many posts on this forum to see if there was any redemption to getting back in their good graces and most of the posts I seen showed members PIF or settled the chargeoff. I called AMEX around 8/13 to settle the account for 40% and quickly paid it. The Rep from
the blacklist number stated I could apply in 35 days. Fast forward to today 9/7 I decided what the heck and applied for the Platinum and I was approved⚡️⚡️! I read posts stating a charge and revolver approval on the same day so I applied for the BCP and I was approved⚡️⚡️! SL was lower than expected ($1k) but I was very grateful to even get approved. Then an hour later, I jumped back on the forums and saw a comment about someone getting 2 revolvers in one day so I said screw it and applied for Delta Reserve and was approved with $3700 SL⚡️⚡️!!! I couldn't believe it!!! I'm active duty so I quickly called CSR to request to get my annual fees waived and my APRs lowered to 6% due to SCRA 😁 and I should get a response in 30 days. Once I get the approval, I'll update this post.
I say this to say, there really IS hope after the black list🥺
Grats on the triple hit with Amex
Wow, congrats on getting back in with an AMEX triple approval !!
Congrats on the approvals!
Congrats on the approval and getting off the blacklist!
BOOM BOOM BOOM!! Three in a row! That’s terrific! Congratulations on your three AMEX approvals!! 👏🏼🎉🍾
Congrats! Any DP's to share? Those are the 3 same Amex cards I also want although I haven't decided yet between the Delta Plat or Reserve. Will app late next week after my scores update and report back.
Congratulations on your Amex approvals!
Congratulations to ya!
Congrats on your AMEX approvals