Banned from AMEX

[simoncww]

I used to be an authorized user on my mom's AMEX. Unfortunately she defaulted the account when her business went under. Burned them about $20k. That was 10 years ago. I'm trying to apply a card through their pre-approval but won't go through because "Amex closed my account". I don't know if being an authorized user will get banned along with the primary card holder. I'm no longer in speaking terms with her so getting her to resolve this will be out of questions. Should I just give up at this point? Thanks!

[sjt]

Being an authorized user on someone's account should not effect your ability to get an Amex card. By chance, is the your mom's amex account on your credit report? I would call Amex.

[simoncww]

Appreciate your quick respond. I did call their customer service with the phone number that I found on their website. It was an automated operator keep asking me for my card number. I don't have that card anymore and there's no option to connect directly to an agent. Appreciate it if anyone can provide me with information. Thanks!

[ElvisCaprice]

Check your credit reports, does that account show?

[simoncww]

@ElvisCaprice , yes but it's showing as "closed".

[ElvisCaprice]

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@simoncww wrote:

@ElvisCaprice , yes but it's showing as "closed".

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Anything negative?  Like missed payment?  How's your score?

[simoncww]

@sjt , strangely enough, it doesn't show much other than just a closed account on my credit file. It's been like this for years and didn't bother about it until I try to get a card from them. Obviously this is on me for not doing my due diligence. Lesson learned. My current FICO is 720. Not sure if I should just give up and move on since I'm not the primary account holder, I have very little control over this. Thanks!

[ElvisCaprice]

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@simoncww wrote:

@sjt , strangely enough, it doesn't show much other than just a closed account on my credit file. It's been like this for years and didn't bother about it until I try to get a card from them. Obviously this is on me for not doing my due diligence. Lesson learned. My current FICO is 720. Not sure if I should just give up and move on since I'm not the primary account holder, I have very little control over this. Thanks!

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Your good to go, move on.  Lot's of issuers out there, go for it.  The world is your oyster!!!

[simoncww]

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@ElvisCaprice wrote:

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@simoncww wrote:

@sjt , strangely enough, it doesn't show much other than just a closed account on my credit file. It's been like this for years and didn't bother about it until I try to get a card from them. Obviously this is on me for not doing my due diligence. Lesson learned. My current FICO is 720. Not sure if I should just give up and move on since I'm not the primary account holder, I have very little control over this. Thanks!

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Your good to go, move on.  Lot's of issuers out there, go for it.  The world is your oyster!!!

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@ElvisCaprice, that's what I think I should do. Don't really want to waste time on something that can't be solved. Thanks!

[AndySoCal]

@simoncww  There is thread that is available that is called back door numbers. The thread is linked below

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066