Amex and Chase - Getting back in.....

[MI-Aviator]

@Anonymous That's correct. I was worried about being blacklisted for awhile there too.

[Brian_Earl_Spilner]

If you settle with amex, the issue is considered closed. How long it takes for them to take you back depends on how much of a loss they took. Optima is not available to you unless it was offered prior to settling and would have required you to PIF.

Chase on the other hand will hold a settlement against you for a very long time. Even after taking you back, you'll be reminded of it every time you apply for a new card or CLI with some reporting upwards of 10 years of manual reviews for their products because of past relationship.

[Anonymous]

@MI-Aviator 

Just tried Amex - 

"we could not find Pre-Qualified Offers for you at this time."

So I guess I need to wait or should I call them? 

[OmarGB9]

Might need to wait a bit longer, but could also always just try cold apping and seeing what happens.

[Anonymous]

@OmarGB9 thanks for your input. 

[Anonymous]

So I just tried now with Amex and the result:

"You pre-qualify for a special Card offer! Apply now." 

They are Hilton Honors American Express cards and Delta Sky Miles cards.

This must be a good thing, right? LOL

[Anonymous]

Prequal isn't a guarantee but it's a good sign. If you want one of those cards and don't mind risking a HP, go for it.

[Anonymous]

@Anonymous - Yes, you are correct. I'm surprised I got what it said though. I even called Amex and told them my concern in full transparency. It's a matter of wanting an HP as you said. 

[Anonymous]

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@Anonymous wrote:

@MI-Aviator 

Just tried Amex - 

"we could not find Pre-Qualified Offers for you at this time."

So I guess I need to wait or should I call them? 

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If you're not emotionally attached to what kind, try seeing if you prequalify for a Delta Skymiles AMEX. 

That's how I got mine, but I think I was around 650 when I was approved. 

[Anonymous]

@Anonymous Thanks I'll try.