AMEX keeps doing SP?

Firehorse · ‎09-19-2014

I'm curious, I had a Green AMEX in 1995 that I defaulted on. When I started using the AMEX preapproval link, I started getting SP from them about once a month on EX. Sometimes twice.

Of course, any answers would be conjecture I guess, but... could it be that I am actually not blacklisted? I'm afraid to call and ask. Don't wanna poke the bear with a stick.

And also, these SP on EX do not happen concurrently with me checking for an offer.

Thoughts?

Thanks!

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Amex Blue Cash Everyday: $4.2k - BD 1989

San Francisco First Responder: Neighborhood Emergency Rescue Team

Firehorse · ‎09-20-2014

Anyone?

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Shock · ‎09-20-2014

Only way to find out is to app

Firehorse · ‎09-20-2014

LOL! I know.

It's odd that they keep doing it. No one's gonna know the answer but I did think this pattern was interesting enough to share.

Thanks for humoring me! And acknowledging my fake pouting.

Cheers!

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Shock · ‎09-20-2014

The way I see it, if the are SPing you, and quite frequently at that, I think they have some interest in extending you some credit.

Firehorse · ‎09-20-2014

I'm thinking the same thing but until I get Congratulations! instead of "We're sorry we couldn't find a special offer for you. But based on your interests, we think you might like the following Cards" when I look on the check for offers page I don't want to app.

I'll probably wait it out. Really would like that backdated card though... My AAoA is shot from planting all the seeds and rebuilding.

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

Shock · ‎09-20-2014

what bad can come of you asking if youre blacklisted? worst they can say is no, and at least then youll have closure and know that AMEX is off limit, rather than playing the guessing game.

Firehorse · ‎09-20-2014

Good point.

Yeah, they did a SP again last night under American Express 2 and then just today as American Express. Wonder what the difference is between the two?

Start MyFico: 01/04/2014: TU 572, EX 599, EQ 593, CK: 593, CKV: 596, CS: 626 Garden since 01/09/2015
Current MyFico 10/23/2015: TU 740, EX 784, EQ 739, CK/TU: 768, CK/EX: 782, CS: 785 Q: 702 1.5% UTIL & 6.9 yrs. AAoA, 1 PAID FTB Lien 8/2008

sunshine7624 · ‎09-20-2014

@Shock wrote:
what bad can come of you asking if youre blacklisted? worst they can say is no, and at least then youll have closure and know that AMEX is off limit, rather than playing the guessing gam

Shock · ‎09-20-2014

@Firehorse wrote:
Good point.

Yeah, they did a SP again last night under American Express 2 and then just today as American Express. Wonder what the difference is between the two?

Wish I knew the answer my friend. I would say I'm pretty informed about credit cards, but there is still much much more to learn. I am a noob lol. But self educated though..own research and thanks to this forum. My credit was damaged before and for me, it took the bad to realize the good!