Catacular wrote:That was the impression I had as well. It was rather embarrassing for me, and I would not have even asked my husband to add me if I had known. The denial letter did not state any reason for the decision, but gave a phone number to call with questions. I am reluctant to have him call just so he can be made to feel like a heel for marrying someone like me! I am wondering if maybe some more time needs to pass before trying again.
There are a few cases on here of people getting Amex cards again as full cardmembers after defaulting with Amex on a lot more than $2300. Blacklisting happens, but it is not for life. I think enough time just passes that Amex decides that you're likely to be a profitable customer. And since the troubles were several years ago, and you'd just be an AU, I am also a bit surprised at the decline.
I would have your husband call and talk to Amex. I think it will help that he has been a customer there for a long time. If you can't get an AU card, you can at least know more about their reasoning, and we can then advise you accordingly. It may be easier to get a non-Amex rewards card in your own name.
I think Amex keeps an internal history of their experience with customers that goes beyond what will appear on your credit report, so I don't know how much the BK falling off will help with Amex - though it will certainly help with other lenders.
Edit: To get off the blacklist and become a full/liable cardholder (not an AU) on a card I have read cases of it taking 10 years or more. The time frame is not necessarily lower for an AU.
Also, don't be shocked if Amex gives you the card and then 'mentions' (threatens) that you should pay the $2300 from before. This has certainly happened to full cardmembers right after they get the new card - when they finally have what they worked so hard to regain and know how easily Amex can take it back.
In those other cases, though, I don't know (or don't recall) if they actually went through bankruptcy - just that their credit was utterly destroyed.