Amex Question

[Anonymous]

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@AverageJoesCredit wrote:
If you included the 28k in bk, how can Amex legally ask you to pay it back?

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It's called making paying it back a condition of getting new credit. Amex does this all the time. Expect it.

[Shadowfactor]

You may be able to get back in with Amex after a while if you included them in a BK and never paid them. 

I wouldn’t be expecting a 10K SL though. Even if your credit profile now supports 10K CL’s I don’t think you will see an approval over 2,000 to start off with. 

28K is a pretty decent sized loss for Amex and I’ve seen reports of them asking for repayment on 1K owed in order to get a $500 CL

[wasCB14]

Re: $1k/$500:

Half the repayment as a CL is a common offer, but not universal.

Chase Marriott Business is likely out due to OP's history with Chase, but it may be worth keeping an eye out for other accounts Amex might buy.

[Anonymous]

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@ridgebackpilot wrote:

Wow! If I had burned AMEX for $28K and cost Chase $87K I don't think I could bring myself to ask anything of them, ever again! Those aren't just 30-day late "baddies".

Obviously, YMMV...

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Well, OP could explain to Amex "Yes, I know you don't like that I burned you for $28K, but I burned one of your major competitors for more than 3 times that.   Doesn't that deserve some credit?"

[CGeorge]

@Iceywarm - AmEx and Discover are the BEST!