i had been blacklisted for ~13 years. burned them for over 10k, never filed bk, just didnt pay it. end of last year i applied and was approved for personal platinum npsl, that even shows member since 2010. i tried last week to apply for platinum business for the 300k sub, but was denied due to previous closed account. im not sure why my personal card was approved 6 months ago, and now im seemingly back on the list.