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From AMEX Blacklist to WOW!

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Regular Contributor

From AMEX Blacklist to WOW!

In 2013 I went through a health issue and burned AMEX with a chargeoff. I ended up settling for less than full amount some time in 2014. I knew I was blacklisted based on peoples information here. Now the chargeoff is still on my CR for another 8 months.

I always wanted to get back in their good graces and try to get an AMEX card again. So the other day I went and did a prequal for the hell of it, expecting to get no approvals. Well to my surprise I had 5 cards that I was pre -qualified for. I sat back pondering if I should apply since buying a home is out of the question for now.

So I went ahead and applied for the BCP card, and the screen was churning for about 30 seconds, then it asked if I wanted to add any other people to the card? What? 

I passed on that offer and hit continue....APPROVED FOR 20K!! HOLY COW! 

Thank you AMEX for another chance!

So there is hope for others.

Message 1 of 39
38 REPLIES 38
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Epic Contributor

Re: From AMEX Blacklist to WOW!

Congratulations!

popcorn eating emoticon.gif

Message 2 of 39
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Super Contributor

Re: From AMEX Blacklist to WOW!

Congratulations on your approval!

Message 3 of 39
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Established Contributor

Re: From AMEX Blacklist to WOW!

Congratulations !! Red Alert ! You Killed It !!

AOD FCU VS. BBVA CP. Cap One: QS, SavorOne, VentureOne, Walmart. Discover it CB. DSNB: Bloomies Amex, Macy's Amex. NFCU: cR VS, Plat MC, Plat Visa, CLOC. SECU MD VS. Sync: Amazon, eBay MC, Lowe's, PP MC, PPC. WF Propel Amex. Misc: Overstock, Target. Ongoing: SP CLI's. Next: Combine and/or close 1-2 accts by EOY.
Business: Staples Commercial LOC. (My first bus acct !!)

[11/20] Scores 8/9: 700-800s. Util: 1-3%. Inq/12: EQ 6, EX 6, TU 5. AAoA=6y6m, AoOA=33y3m, AoYA=5m.
2020 $200K GOAL Met !! TCL=$279K. Goal for 2021: PLOCs! Hope to add 1-2 addt'l business accounts.
Message 4 of 39
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Established Contributor

Re: From AMEX Blacklist to WOW!

Congratulations!!! Smiley Happy

Message 5 of 39
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Frequent Contributor

Re: From AMEX Blacklist to WOW!

congratulations_letter-173559932-5c432fc646e0fb0001eeb190.jpg

Amex Blue Cash $28k
Chase FU $11.2k
BOA Cash Rewards $20k
Comenity BJ's Perks Plus M/C $10k
Cap1 QS $750 (AU), BOA Auto
March. 2020 TU 781, EX 775, EQ 776
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
Message 6 of 39
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Established Contributor

Re: From AMEX Blacklist to WOW!

N-oice!  Congrats!

- | - Mee'sa not'ta Jar'Jar Bink'sa. Mee'sa just like'sa the word'sa BOMBAD! - | -


BK7 Discharged 12/16 - | - EQ8/9: 696/730 | TU8: 738 | EX8: 733
Message 7 of 39
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Valued Contributor

Re: From AMEX Blacklist to WOW!

Congrats on the approval!!!

Message 8 of 39
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Valued Contributor

Re: From AMEX Blacklist to WOW!

Congrats on the monster SL!



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 9 of 39
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Valued Contributor

Re: From AMEX Blacklist to WOW!

Congratulations on your approval and sweet SL! 👍




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 28.95k Util. 3% AAoA: 1yr, 8mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
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