Any chance of AMEX ever again?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
5 posts
LTomBerry
Platinum Member
Platinum Member
 
Posts: 57
Joined: Mon Apr 12, 2010 4:04 am
Location: Kansas

Any chance of AMEX ever again?

Postby LTomBerry » Mon Apr 12, 2010 4:21 am

So when I was newlywed and in college I got a BofA Visa and AMEX Blue for Students. My wife got a few cards of her own too. I don't think I was ever late with AMEX. I lost my job and wound up doing a debt consolidation thing with Moneymanagement.org right before I joined the military. Part of their deal was I had to close all accounts. That was back in 2003. My Transunion report says
>Payment After Charge Off/Collection<
Remark:
Account closed by credit grantor
Estimated date that this item will be removed: 10/2010

I successfully paid off everything I owed through the program and have had no late payments on anything since 2003. No bankruptcy ever. My FICO score is around 720 now and should get better after all the 2003 drama falls off the 7 year cliff. I currently have a USAA Platinum Mastercard I got in Oct 09. I now have my eye on the AMEX Blue Cash. I intend to apply for it after Oct 2010 when my report is squeaky clean. Do you think I have a chance? I have read that AMEX will pretty much blacklist you if you ever had any bad juju with them.
Whaddaya think?


Originality
Green Member
Green Member
 
Posts: 6
Joined: Sat Mar 13, 2010 1:01 pm
Location: Charlotte North Carolina

Postby Originality » Fri Apr 23, 2010 2:30 am

I think you should be fine. 2 years ago i was in debt and i missed payments on both my AMEX cards and they closed those accounts. and 2 months ago i was accepted by AMEX with their Zync Card. So im sure youll be ok :) and your credit score is higher than mine..mine was i think 600ish.

Floppster
Centurion Member
Centurion Member
 
Posts: 157
Joined: Mon Sep 29, 2008 8:51 pm
Website: http://www.flyerboxx.com
Location: US

Postby Floppster » Thu May 20, 2010 9:06 pm

LTomBerry wrote:So when I was newlywed and in college I got a BofA Visa and AMEX Blue for Students. My wife got a few cards of her own too. I don't think I was ever late with AMEX. I lost my job and wound up doing a debt consolidation thing with Moneymanagement.org right before I joined the military. Part of their deal was I had to close all accounts. That was back in 2003. My Transunion report says
>Payment After Charge Off/Collection<
Remark:
Account closed by credit grantor
Estimated date that this item will be removed: 10/2010

I successfully paid off everything I owed through the program and have had no late payments on anything since 2003. No bankruptcy ever. My FICO score is around 720 now and should get better after all the 2003 drama falls off the 7 year cliff. I currently have a USAA Platinum Mastercard I got in Oct 09. I now have my eye on the AMEX Blue Cash. I intend to apply for it after Oct 2010 when my report is squeaky clean. Do you think I have a chance? I have read that AMEX will pretty much blacklist you if you ever had any bad juju with them.
Whaddaya think?


Just like originality said you should be fine. You at least payed it back and didn't file bk and make them loose money. Most likely they will give you another card however you'll probably start with a low limit. Even though it is off your credit they still have internal records and even though banks are not supposed to share these information they still do (may affect decisions from other creditors due to sharing information).

If you do have a good job and a solid income I doubt that they'll have any issue. Have you ever thought about calling them and tell them whats up ? My experience is that Amex by far has the most knowledgeable and well spoken customer service in the cc industry.
Intellectuals solve problems. Geniuses prevent them.
- Albert Einstein 1879-1955

LTomBerry
Platinum Member
Platinum Member
 
Posts: 57
Joined: Mon Apr 12, 2010 4:04 am
Location: Kansas

Postby LTomBerry » Sun May 23, 2010 7:27 pm

Thanks, I'll try calling them. Like I said I am active duty military. That helped me get a Discover More card recently because of the steady income. The low starting limit will be OK for now because USAA just bumped mt MC limit up to $11000 (without a hard pull by the way) so it will be doing most of the heavy lifting for now. I still think the Blue Cash is the best cashback card so I'm willing to wait however long it takes to get that one.

User avatar
Mogul of Pineapples
Centurion Member
Centurion Member
 
Posts: 1271
Joined: Sun Jun 01, 2008 11:32 pm
Location: Smogland

Postby Mogul of Pineapples » Thu Jun 03, 2010 8:09 pm

Congrats on the Discover More. As long as you maintain your credit I'm sure that limit will probably be increased over the next year.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 1 guest