AMEX Question

[Fico_Dish]

i was charged off by AMEX in 2000 i.e. about 15 years ago. What are the possibilities of me being accepted for a proper AMEX cc. My current scores are in 725 range, six figure pay, mortgage, car loan.. all in good standing.......

[Anonymous]

Amex is traditionally pretty unforgiving and unforgetting (if that's a word).  Your scores look and such look good now that they may be willing to extend credit to you again, but I know amex is one to hold grudges for quite some time.  As always, YMMV.  Good luck!

[Fico_Dish]

Thanks for the reply. During these 15 years, I have never applied for any AMEX card. Always thought that they may have blacklisted me.

[myjourney]

More info needed 

AAoA

INQ's last 6 months 

Baddies 

I will say that in most cases if you're on the infamous BLACKLIST you won't see a HP which is a key to where you stand with them 

[Fico_Dish]

AAoA = 8 years

INQ's last 6 months = 0

Baddies = 0

[myjourney]

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@Fico_Dish wrote:

AAoA = 8 years

INQ's last 6 months = 0

Baddies = 0

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Looking good from here but the true test is if Amex HP's 

Good luck should you apply I'll have my fingers crossed for your success

[ojefferyo]

There's really only one way to find out the cold hard truth. APPLY, from what others have said that if you are blacklisted it will decline you immeditaely without a HP BUT that may be a YMMV thing. 

[Anonymous]

I'd always heard how unforgiving Amex was...

I had a $5k CO with them in 2009 and finally paid them (in settlement...42% of what I owed) at the end of January. March 11th, I was approved for an EveryDay card with a $5k limit with scores in the 660's.

Sooooo... applying is worth a shot.

I only applied to see if I got HP'd (checking for blacklisting) and ended up getting a card. Shocked the #*@( out of me.

[Fico_Dish]

Just forgot: i have a Dillards AMEX card though, however I dont know how much it goes through the AMEX database. It is supposedly Dillard's most elite card according to Dillard's.

[Anonymous]

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@Fico_Dish wrote:

Just forgot: i have a Dillards AMEX card though, however I dont know how much it goes through the AMEX database. It is supposedly Dillard's most elite card according to Dillard's.

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It's on a different network so it really has no bearing on whether you would be approved for a 'regular' Amex thru Centurion Bank.

No matter what we say, you're going to need to apply to find out.  You could have an impeccable credit file but if you're blacklisted then you won't get approved.  One HP is going to tell you all that you need to know.