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@Angko wrote:
@enharu wrote:
Before she pays the CA, check out the rebuilding section. Maybe she can try to mend some bridges while she's at it.Thanks enharu. I copied your comment and sent it to her. Does paying the full amount removes her from being blocklisted? I think she just needs to call Amex for that.
If she is already blacklisted, it's a bit of a crapshoot if paying the CA will actually cause Amex to take her off the list. The amount is one big factor. Also note, IF they end up taking her off the list, it will still be years before they approve her for anything.
Would that be 3 years from the date of first delinquency? Anyways, she said she don't have any plans of applying for another Amex anymore.
@Angko wrote:Would that be 3 years from the date of first delinquency? Anyways, she said she don't have any plans of applying for another Amex anymore.
No real true way of telling when Amex will let her back in
@Angko wrote:Would that be 3 years from the date of first delinquency? Anyways, she said she don't have any plans of applying for another Amex anymore.
Three years is probably being generous, IMO. (Depending on the amount, but even then). And with Amex, it would probably be from the time you PIF. Amex may never let her back in either way. Just forgetting about Amex would be for the best right now. There are people that burned Amex 20 years ago and still can't get their cards.
@b_seeker wrote:
@Angko wrote:Would that be 3 years from the date of first delinquency? Anyways, she said she don't have any plans of applying for another Amex anymore.
Three years is probably being generous, IMO. (Depending on the amount, but even then). And with Amex, it would probably be from the time you PIF. Amex may never let her back in either way. Just forgetting about Amex would be for the best right now. There are people that burned Amex 20 years ago and still can't get their cards.
Wow, 2 decades is a loooong time!!! I didn't know Amex is so strict!!!
@Angko wrote:Thanks all for your input. My officemate has read all of your comments and is really thankful. She has decided to join the forum and will become a member in a few hours. Well, told her to pay the CA first before joining the forum. LOL.
Chances are that Amex has assigned her debt to the Collection Agency. The CA is collecting on Amex's behalf. If she makes arrangements with the CA tell her to ask them to be on the Oasis Program.
@sjt wrote:
@Angko wrote:Thanks all for your input. My officemate has read all of your comments and is really thankful. She has decided to join the forum and will become a member in a few hours. Well, told her to pay the CA first before joining the forum. LOL.
Chances are that Amex has assigned her debt to the Collection Agency. The CA is collecting on Amex's behalf. If she makes arrangements with the CA tell her to ask them to be on the Oasis Program.
Thanks SJT. My officemate talked to Amex already and I think Amex gave her a good payment plan. I really don't know the details but she was happy. Thanks.
@Angko wrote:
@sjt wrote:
@Angko wrote:Thanks all for your input. My officemate has read all of your comments and is really thankful. She has decided to join the forum and will become a member in a few hours. Well, told her to pay the CA first before joining the forum. LOL.
Chances are that Amex has assigned her debt to the Collection Agency. The CA is collecting on Amex's behalf. If she makes arrangements with the CA tell her to ask them to be on the Oasis Program.
Thanks SJT. My officemate talked to Amex already and I think Amex gave her a good payment plan. I really don't know the details but she was happy. Thanks.
Good to hear!