Denied additional card on Amex Blue

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Catacular
 
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Denied additional card on Amex Blue

Postby Catacular » Fri Sep 12, 2014 8:50 pm

I've been lurking in these forums for awhile, and always appreciate the great information. My husband has had several Amex cards over the years, one of which is the Blue Cash. He has a meticulous credit rating, always pays in full, and no problems ever getting credit. He recently tried to add me as a user in his Blue Cash account, and they denied the request. I went through a nasty divorce 8 years ago that left me financially devastated, and subsequently filed bankruptcy. One of the creditors was Amex, I think in the amount of $2300 or so. Would that be the reason I was denied? I thought that if I was just added as an additional user my prior credit history would not be an issue. I would appreciate any feedback.


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Vattené
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Postby Vattené » Sat Sep 13, 2014 12:17 am

That really surprises me, especially for an account that was already established. I'm not the most seasoned credit connoisseur around here, but I do know the account holder is solely responsible for payment and he/she is the one whose credit is checked - adding an AU typically isn't a problem at all. You may need someone who is actually an Amex cardmember to say whether or not you have been blacklisted and they simply won't do business with you since you burned them in the past, even as an AU.

Sorry that you had to go through all of that, but you seem to have recovered well and at least the BK is going to be falling off your profile relatively soon.
-Vattené
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Catacular
 
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Postby Catacular » Sat Sep 13, 2014 10:46 am

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.

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Sep 13, 2014 12:12 pm

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.
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mdl28
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Postby mdl28 » Sat Sep 13, 2014 1:26 pm

Amex requires a social security number of the additional card holder. They must have seen something on your credit they did not like.
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Gamma
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Postby Gamma » Sat Sep 13, 2014 10:22 pm

Yes that is the reason why they rejected the request for the authorized user card. When you apply for an authorized user cardholder for Amex only, they request the authorized user social security # and in the fine print they give you just before you submit your request it states "if the requested authorized user card had any negative status with the company (American Express) they may reject the request for a new card" or something to that effect. Not sure what you can do to maybe convince them to open one but good luck.



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