American Express and Chase have Memory never forget.

[firefox100]

Here is list of creditcards that I have at this time. Uber visa 12k, discover 25.5k, citi mc 11.6k, Ba mastercard 12k, Cap one Qs 4.7k, cap one sparks visa 2k, Wallmart mc 12k, JCp store card 4.7, td bank cash visa 14k, Merric bank mc 3150, Blispay 2k, mc 1.5k, Wellsfargo amex 7k, ringmastercard 8k. total cl cl 1260k total balance 3k. I just want to say that I got creditcards big o.

[DaveInAZ]

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@simplynoir wrote:

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@firefox100 wrote:

No never repaid Amex, it was 16k. That is why it is bad thing when banks buy each other out. What would happen if for example Chase buys out another creditcard company wher you have an account and have good record will bank like chase close out your account.

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Best guess until someone else chimes in on an experience like the above is they probably wouldn't touch your current accounts but bet that any future considerations like CLIs and applications would be under closer scrutiny.

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I had a Best Buy MC from HSBC w/ small $500 CL, then it went to Cap One who doubled the CL to $1k when I called and asked. Then it went to Citi, who I don't think would ever had approved me for the card as I included over $21K in Citi CCs in my 2010 BK7. Citi doubled the CL to $2k when I app'd and took the HP. I closed it as it had a $59 annual fee fron HSBC that Citi wouldn't budge on removing and I got tired of paying it.

[JR_TX]

OP, at this point in time there are only 2 things that can happen in regards to your situation if you hit that “Apply” button with Amex (which everyone is here imploring you to do);

1.0. You get a HP and a Congrats and Welcome response after you submit that app!

2.0. You get denied outright but do not get a HP. You are blacklisted still. (Well at least now you know and that without a HP penalty).


At 20 years I say you stand a pretty strong chance of having been forgiven and be approved!!


Any of your questions right now regarding Amex is moot and the only, I say again, ONLY relevant and meaningful course of action that you have left is to HIT that Amex Apply button.
So for the love of everything that is holy, please please please hit that Amex apply button!

[firefox100]

I am going to waite to end of year before I go head and apply for a Amex card. I want 2 hard pulls to come off my reports, and I want to pay down my Wellsfargo card from 2k down to no balance.

[sjt]

You cant go by pre quals. Also, many folks got back in with Amex and Chase after burning them. 20 years is a looong time. Depending on the amount burned you should be able to get back in with them if your credit is good and you have low utilization.