Amex Authorized user - Burned Amex in the past

[Anonymous]

@tennisfan - sadly nope! Just posted yesterday that I finally had three cards show up as pre-qualified. When I app'd for two of them, they both declined. I was hopeful for a moment that I was off the blacklist, but no dice for me!

[tennisfan78]

@Jlgab345  okay. well, who cares right? You have a card for their cashback categories already.

[Anonymous]

@tennisfan...nope I’m still very much on the blacklist. I got preapprovals this months, all of which were promptly declined. Thank goodness they have enough mercy to spare the HP’s!

[Anonymous]

Funny enough, once I got in, it says I was a member since 2004 😂😂😂. So guess I'm back in(ish).

"Member Since XXXX" just confirms that AMEX NEVER NOT FORGET. I think it's their way of saying, "Doesn't matter how you try  to get in with us, either as primary cardholder back then or as an authorized user now, we know this is the same individual".

So, has this always been AMEX's policy that they require SSN to AUs after 60 days or this is something recent? I didn't even realize they require the SSN since the AU isn't primarily responsible for the payments. Correct me if I'm wrong, people add AUs with bad or no credit all the time to help them show responsible use or build a better profile.  LIke iced has said, I wonder if adding someone who was blacklisted will make put a flag on his wife's profile and will eventually come back to haunt her?

So, I got my first AMEX back in 1996. I stared with the the Gold card that upgraded to the Platinum. Then, got the Delta SkyMiles Platinum and the PRG. Wrong decisions and being irresponsible led me to file a CH 13 in 2005. I know I burned several lenders - Discover, Citi, Sony Card, and MBNA. I never carried a balance on the Platinum and PRG since they are charge cards and the Extended Payment and Pay Over Time options didn't exist then (or did it?). I don't remember if I had a balance on the Delta Platinum (I would assume I didn't since I have AMEX cards now). I know, I never "closed" any of my  credit cards, including AMEX, when I filed for bankruptcy. Bills and collection agencies just stopped all of a sudden when I signed the agreement paper with my lawyer. So, for 10 years I never had another credit card. Re-established relationship with AMEX in 2015 with the Delta SkyMiles Platinum.  When I created my profile, it said, Member Since 1996. My EX FICO 8 was 627 when AMEX approved me in March 2015. Sure, had to go through CreditOne and First Premier route.  All history - bankruptcy, charge offs to all lenders, etc. were gone on my credit report since it was over 7-10 years.

So, is there a time limit that AMEX flags you as blacklisted after you burned them? I'm sure some people has gotten back in with them. I would think being an AU would be the best way to test someone's responsible use of credit since they have a guarantor with a backup account to fall back on and collect their money from. 60 days doesn't really give someone enough time to prove maturity. Unfortunately, policy is policy.

Everyone's concensus here is account closure.  Jlgab345, sorry if it does happen. Perhaps your case might be different. Let us know what's the outcome on day 60.

[Anonymous]

@GTC. I’m 5 months in as AU, no issues. In fact, I had to provide SSN upon card activation. They won’t close my card at this point, they just won’t give me my own.

[UncleB]

Great data points in this thread... it seems the key is to not provide the AU's SS# and DOB at the time they are added to the account if they are on the blacklist. 

Thanks to all who have shared their experience. 

[Anonymous]

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@Anonymous wrote:

Funny enough, once I got in, it says I was a member since 2004 😂😂😂. So guess I'm back in(ish).

"Member Since XXXX" just confirms that AMEX NEVER NOT FORGET. I think it's their way of saying, "Doesn't matter how you try  to get in with us, either as primary cardholder back then or as an authorized user now, we know this is the same individual".

So, has this always been AMEX's policy that they require SSN to AUs after 60 days or this is something recent? I didn't even realize they require the SSN since the AU isn't primarily responsible for the payments. Correct me if I'm wrong, people add AUs with bad or no credit all the time to help them show responsible use or build a better profile.  LIke iced has said, I wonder if adding someone who was blacklisted will make put a flag on his wife's profile and will eventually come back to haunt her?

So, I got my first AMEX back in 1996. I stared with the the Gold card that upgraded to the Platinum. Then, got the Delta SkyMiles Platinum and the PRG. Wrong decisions and being irresponsible led me to file a CH 13 in 2005. I know I burned several lenders - Discover, Citi, Sony Card, and MBNA. I never carried a balance on the Platinum and PRG since they are charge cards and the Extended Payment and Pay Over Time options didn't exist then (or did it?). I don't remember if I had a balance on the Delta Platinum (I would assume I didn't since I have AMEX cards now). I know, I never "closed" any of my  credit cards, including AMEX, when I filed for bankruptcy. Bills and collection agencies just stopped all of a sudden when I signed the agreement paper with my lawyer. So, for 10 years I never had another credit card. Re-established relationship with AMEX in 2015 with the Delta SkyMiles Platinum.  When I created my profile, it said, Member Since 1996. My EX FICO 8 was 627 when AMEX approved me in March 2015. Sure, had to go through CreditOne and First Premier route.  All history - bankruptcy, charge offs to all lenders, etc. were gone on my credit report since it was over 7-10 years.

So, is there a time limit that AMEX flags you as blacklisted after you burned them? I'm sure some people has gotten back in with them. I would think being an AU would be the best way to test someone's responsible use of credit since they have a guarantor with a backup account to fall back on and collect their money from. 60 days doesn't really give someone enough time to prove maturity. Unfortunately, policy is policy.

Everyone's concensus here is account closure.  Jlgab345, sorry if it does happen. Perhaps your case might be different. Let us know what's the outcome on day 60.

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Let's see.... is there a time limit? My father stole my identity and opened an Amex card in my name when I was in High School. I didn't know about it until about ten years later when Amex would not give me a card. It took me 40 years to finally get an Amex card.  How much time do you have to wait? In my case, 4 decades.

[BM3]

so how strict are Amex with the burn, is there a scale? I burned them for 1400 on a gold card and its been dropped already. I really like the warranty perk, **bleep**.

[Anonymous]

Amex doesn't forget. They held it against me for 40 years.

[imaximous]

I can confirm that I've been added as an AU to my wife's AMEX after filing BK and burning them for SEVERAL thousands. We had the cards for a few years, but when Costco went Citi Visa, we got our accounts transferred to Citi. AMEX kept sending notifications to my wife to accept a different card and continue membership, but we just didn't do it. When I was added as an AU, the member date on my card showed my old membership date.
However, I'm totally blacklisted for own my card. I've tried over the years and they automatically decline my app. Now I apply every month a few times just for fun and to waste their paper/postage on denial letters