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Amex Card

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SFLSpotter9210
Valued Contributor
‎02-13-2019 02:44 PM
‎02-13-2019 02:44 PM

Amex Card

I went on the Amex prequalify website and plugged in my info. And it stated that their was no prequalified offers for me then underneath it was the Amex cash magnet card, Amex everyday, andAmex Hilton card. Being that I burned them in 2007-2008 I shouldn’t even try to apply correct? It was CO accounts not BK7. Thanks for your input everyone.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 1 of 10
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Anonymous
Not applicable
‎02-13-2019 03:07 PM
‎02-13-2019 03:07 PM

Re: Amex Card

@SFLSpotter9210 wrote:
I went on the Amex prequalify website and plugged in my info. And it stated that their was no prequalified offers for me then underneath it was the Amex cash magnet card, Amex everyday, andAmex Hilton card. Being that I burned them in 2007-2008 I shouldn’t even try to apply correct? It was CO accounts not BK7. Thanks for your input everyone.

I was approved for the no AF Hilton card with a 646EX Fico about 30 min after I was approved for a Delta Gold. $1000SL. It was showing me being prequalified for the Green and Gold charge cards just before I app’d for the DG. I had no prior relationship with Amex, at all. 

 

I’ve read Amex tends to want a 700EX for their “core” cards. The underwriting for the co-branded cards is more relaxed. 

 

Let us us know how it goes, if you decide to app.

 

Good luck!

Message 2 of 10
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FinStar
Moderator Emeritus
‎02-13-2019 03:31 PM
‎02-13-2019 03:31 PM

Re: Amex Card

@SFLSpotter9210 wrote:
I went on the Amex prequalify website and plugged in my info. And it stated that their was no prequalified offers for me then underneath it was the Amex cash magnet card, Amex everyday, andAmex Hilton card. Being that I burned them in 2007-2008 I shouldn’t even try to apply correct? It was CO accounts not BK7. Thanks for your input everyone.

Are the CO's with AmEx satisfied or still outstanding, and how many CCs did you CO with them?  I guess you'll find out if you're still on the naughty list when you apply.

Message 3 of 10
SFLSpotter9210
Valued Contributor
‎02-13-2019 03:36 PM
‎02-13-2019 03:36 PM

Re: Amex Card

I believe it was 3-4 cards. I’m not sure if I’m even going to apply to be honest. Just thought that if I wasn’t prequalified why would it show me 3 different cards to apply for. The accounts are not satisfied.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 4 of 10
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Anonymous
Not applicable
‎02-13-2019 03:39 PM
‎02-13-2019 03:39 PM

Re: Amex Card

@SFLSpotter9210 wrote:
I believe it was 3-4 cards. I’m not sure if I’m even going to apply to be honest. Just thought that if I wasn’t prequalified why would it show me 3 different cards to apply for. The accounts are not satisfied.

I think it’s a “based on your interests, we suggest” kind of deal.

Message 5 of 10
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Anonymous
Not applicable
‎02-13-2019 03:39 PM
‎02-13-2019 03:39 PM

Re: Amex Card

Common wisdom on these boards is that if you are blacklisted by AmEx you’ll be immediately declined with no HP, so really you have nothing to lose in that respect as long as your scores will qualify you for a card. You could try to app the Delta Gold as it is one of the easiest to get, and you’ll know pretty quickly if you’re blacklisted or not by whether they approve you, reject you immediately, or deny you for credit-related reasons with a HP.
Message 6 of 10
FinStar
Moderator Emeritus
‎02-13-2019 03:41 PM
‎02-13-2019 03:41 PM

Re: Amex Card

@SFLSpotter9210 wrote:
I believe it was 3-4 cards. I’m not sure if I’m even going to apply to be honest. Just thought that if I wasn’t prequalified why would it show me 3 different cards to apply for. The accounts are not satisfied.

Well, if you decide to apply and if still blacklisted, there will be no HP (denial based on previous AmEx relationship).  If no longer on the list, then HP.  Just know that AmEx memory is like that of an elephant...LONG.

Message 7 of 10
SFLSpotter9210
Valued Contributor
‎02-13-2019 03:45 PM
‎02-13-2019 03:45 PM

Re: Amex Card

Then I think I’ll refrain from applying 👍. Doesn’t make sense that I do anyways I have pretty reasonable cards now. Thanks for your information.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 8 of 10
AverageJoesCredit
Legendary Contributor
‎02-13-2019 03:58 PM
‎02-13-2019 03:58 PM

Re: Amex Card

Amex is more amenable when a CO is paid back as opposed to not. I iib , but got back in after 10 years in time out.
Message 9 of 10
SFLSpotter9210
Valued Contributor
‎02-13-2019 04:15 PM
‎02-13-2019 04:15 PM

Re: Amex Card

So your saying their CO memory is 20+ years then? I guess that’s understandable. Thanks for the information 👍.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 13,000 | Discover 19,500 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=764 | EX=775 | TU=757scores and CL current as of 04/04/24 AAoA years 24 months | AoOA=18yrs
Message 10 of 10
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