cancel
Showing results for 
Search instead for 
Did you mean: 

AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

EvCrvz
Established Member

AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

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🥺

15 REPLIES 15
gdale6
Moderator

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

Grats on the triple hit with Amex Smiley Happy

Message 2 of 16
pizzadude
Moderator

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

Wow, congrats on getting back in with an AMEX triple approval !!  Smiley Very Happy

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 16
coreyb80
Senior Contributor

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

Congrats on the approvals!

Message 4 of 16
Libra85
Regular Contributor

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

Congrats on the approval and getting off the blacklist! 







October 2021
Message 5 of 16
cashorcharge
Senior Contributor

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

BOOM BOOM BOOM!!  Three in a row!  That’s terrific!  Congratulations on your three AMEX approvals!! 👏🏼🎉🍾

Message 6 of 16
ReGuy71
Valued Member

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

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.

Self Secured Visa - $2,000 (1/20), closed 8/21 and deposit returned
USB Secured Visa - $2,500 (9/20)
Apple Card - $2,950 (4/21)
Langley FCU - $2,500 (8/21)
Amex Gold (9/21)
Amex BCP - $2k (9/21)
Venmo- $9k (9/21)
Credit Strong Loan - $1k w/$0 balance (opened 4/21, paid 1/22)
Self Credit Builder Loans - two loans paid and closed
FICO 8 Scores Sep 2021
698 EX (4 inq-1/12)
688 EQ (2 inq-2/12)
695 TU (3 inq-2/12)
AZEO
Message 7 of 16
CreditAggie
Community Leader
Super Contributor

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

Congratulations on your Amex approvals!

Current Cards (in order of approval):

            
Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24 month):  
Banks & CUs:                           Goal Cards:
                
Message 8 of 16
BetterMoves
Contributor

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

Congratulations to ya!

Wells Fargo Active Cash [pc from Platinum]
Discover it Chrome
Amazon Prime Store (Synchrony)
Walmart Store Card (Capital One)
Citi Costco Anywhere
American Express Blue Cash Preferred
American Express Hilton Honors
American Express Gold
Message 9 of 16
KingRue8500
Valued Contributor

Re: AMEX PLATINUM AND BCP AFTER BLACKLIST!🎉

Congrats on your AMEX approvals




Message 10 of 16
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.