AMEX Chances

[Czyln]

I have 740+ scores across the board. Utilization is about 32% of 49000, small business owner.

I burned AMEX over 7 years ago, and want AMEX again.

Tried the Prequalify but no luck. What are my chances of applying?  I make over 120K a year.

[randomguy1]

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@Czyln wrote:

I have 740+ scores across the board. Utilization is about 32% of 49000, small business owner.

I burned AMEX over 7 years ago, and want AMEX again.

Tried the Prequalify but no luck. What are my chances of applying?  I make over 120K a year.

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Did you settle with AMEX at all?

If you are blacklisted, you will not get a hard pull and will get denied for Prior Negative Relationship (something like that).

[Anonymous]

You have at least two things working against you:

1.  defaulting on the Amex account

2.  reasonably high current utilization.

Can you clarify if you filed bankruptcy or just defaulted on an account?  Amex tends to have a very long memory but its easy to check your chances by applying.  If you're blacklisted your application will be automatically rejected.

[ChazzieT]

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@Czyln wrote:

...Tried the Prequalify but no luck...

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Did you try incognito?

[dacv01]

What is the amount burned to them? CO? Take it from my experience, the best thing to do is call and find out what the deal is- as others mentioned, they have a very longggggg memory. If PIF is something you can manage its deff a way in. 

[wasCB14]

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@dacv01 wrote:

What is the amount burned to them? CO? Take it from my experience, the best thing to do is call and find out what the deal is- as others mentioned, they have a very longggggg memory. If PIF is something you can manage its deff a way in. 

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And are you willing to repay the old debt to Amex?

Even though it sounds like you don't legally owe it, Amex can refuse to take you back as a customer unless you pay it.

[PointsBonus]

@Czyln 

Here is the good news, you can apply to find out if your approved with hard pull, IF that's 1 of the reason. If you blacklisted they will not waste the money to pull ur credit, the internal system will flag you first. 

I personally tried about every 4-6 months for a couple of years and then to my surprise I was approved. I only went for the Green Charge card, attempting to get back in the door. 

Good luck to you and keep us all posted. 

[Czyln]

I owed about 12,000 and it was charge off in 2013

[CreditInspired]

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@Czyln wrote:

I owed about 12,000 and it was charge off in 2013

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Your chances of getting another AmX card is nil. As others have said, AmX has a super duper long memory. You can call them and ask about a repayment plan if you can’t pay back in full.

[Stralem]

Are you willing to pay back the $12k you owe? If so, they'll play ball and, at their sole discretion, may let you back in with an Optima card. Otherwise, you're boned.

Speaking from personal experience.