cancel
Showing results for 
Search instead for 
Did you mean: 

Penfed Pathfinder Amex Pre-Approval offer while on blacklist

Estimate your FICO® Score range for free

FICO® Score Estimator

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Established Member

Penfed Pathfinder Amex Pre-Approval offer while on blacklist

This is interesting in that once the scores updated for the quarter I got a preapproval offer on the website (already have a PF Power Cash $1800 CL) for a host of products but took them up on the Pathfinder due to no annual fee and the credit for TSA/Global Entry.   DC a CH13 BK in Aug 2017 and I burned Amex for a tidy sum as I had 3 cards with them (about 70K worth) but paid back about 65% under the BK so I am fairly sure I'm on their "never again" list yet I now have the Amex with a nice CL of $13900.   How is that possible?  I would think when they ran the SP that Amex would have shut that down.   I tried Barclays for the AA Aviator about 8 months ago and they immediately went to a decline (no HP so at least they have some mercy) due to a card I had that they purchased being IIB so I would have thought the same about Amex.   Wondering if anyone had similar experience.  In any case, thanks PenFed!

As of 5-July 2018 TU - 648 EX - 668 EQ - 664
Ch13 D/C Nov 2017
CapOne V1 - $15000 CapOne QS1 - $3500 Discover IT - $2800 Ollo Rewards - $3000 PenFed PC Rewards - $1800, PenFed Pathfinder - $13900
Message 1 of 8
7 REPLIES 7
Community Leader
Super Contributor

Re: Penfed Pathfinder Amex while on blacklist

That's not an Amex issued card, it only uses Amex's network 

 

In any case, congrats on your approval 

EX 754 EQ 773 TU 752
Message 2 of 8
Established Member

Re: Penfed Pathfinder Amex while on blacklist

 Makes sense.  I wondered about that myself but thanks for confirming.  Note to self, don't try Amex directly Smiley LOL

As of 5-July 2018 TU - 648 EX - 668 EQ - 664
Ch13 D/C Nov 2017
CapOne V1 - $15000 CapOne QS1 - $3500 Discover IT - $2800 Ollo Rewards - $3000 PenFed PC Rewards - $1800, PenFed Pathfinder - $13900
Message 3 of 8
Valued Contributor

Re: Penfed Pathfinder Amex Pre-Approval offer while on blacklist

Congrats on your new cardSmiley Happy

Message 4 of 8
Regular Contributor

Re: Penfed Pathfinder Amex Pre-Approval offer while on blacklist

There is evidence that Amex does let people back in after 7 to 10 years. So maybe after that BK ages more you might be allowed back in. Hard to tell.
Message 5 of 8
Valued Contributor

Re: Penfed Pathfinder Amex Pre-Approval offer while on blacklist

You can find out if you are off the AMEX blacklist (Centurion Bank issued) by asking a friend or family member to add you as an authorized user to their card -- if you are on the blacklist they will not permit you to be an authorized user or have an account of your own.

Also, at this time (and as far back as I can remember) you can apply anytime for an AMEX and they will first run you through their internal system and if you are blacklisted you will get an instant denial and they will NOT do a hard pull on any of your credit reports.   So you can apply at anytime and if rejected no HP and no new account with AMEX.

Note at some time in the future this could change but it has been the situation for years now.

FICO 08: EX-698, EQ-732, TU-705 - [8/2/2019]
FICO 09: EX-748, EQ-775, TU-748 (8/2/2019)
Mortgage: EX-737, EQ-712, TU-748 - [8/2/2019]
NFCU NavChk 15K | NFCU Visa 50K | CapOne Venture Visa 50K | CapOne Savor 30K | Barclay Aviator MC 12.5K | Discover It 32K | Alliant 3% Cash Back Visa 25K | Penfed Promise 20.5K | BECU CLOC 10K | DCU Visa 10K | BofA AK Air Visa 5K | Apple (Goldman) MC 6.5K |
Amazon Prime 10K.
276.5K Total Revolving.
Alliant Car Loan 16K/31K
BK 7 Filed 8/23/2013 - Discharged 11/27/2013.
Message 6 of 8
Valued Contributor

Re: Penfed Pathfinder Amex while on blacklist


@Buckwheat2U wrote:

 Makes sense.  I wondered about that myself but thanks for confirming.  Note to self, don't try Amex directly Smiley LOL


 

Oh yes you can and you should!! 

Trying Amex while BL is like being able to hit someone who’s only alowed to give you the finger! Lol

App’ing while BL with Amex doesn’t even give you a SP much so a HP. It’s their ultimate finger of “auto-decline”! Lol

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 4 EQ 3 TU 1
AAoA 5y2m
UTIL 1% - 3%

$180K+ Total Limits







New cc TLs 1/12(11 month old) & 3/24
Message 7 of 8
Established Contributor

Re: Penfed Pathfinder Amex Pre-Approval offer while on blacklist

Congrats on your Pathfinder approval!!
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.