CC Deville wrote:That is the only way I have ever heard of anybody getting back in with Amex after a prior chargeoff. I believe after 15-20 years they might finally purge the charged off account from record but that is a long time to wait.
Your other options for another AMEX network card is to get one from Macy's/Bloomingdale's; Dillard's (thru GECRB); Citibank; USAA or Pentagon FCU
I got back, I unfortunately had two charged off cards with them - a green and a blue. Granted it wasn't 50 grand, but still, even 2k hurts. And they let me back into the fold and I haven't paid them for those charge offs.
There is always an exception to every rule. I take no pride in that, just telling the story.
So to the OP, you can find out if you are blacklisted by applying - if it's rejected with no HP, you're blacklisted. If you get a hard pull and are rejected, then you have a chance once your credit improves to what they like to see. And if you are accepted, then welcome back to the family and this time make sure you do everything in your power to do right by them as they are worth it. Not preaching at all, just saying, I'm really glad to be back to Amex.