Just conjecture but hopefully it helps someone

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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MemberSince99
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Just conjecture but hopefully it helps someone

Postby MemberSince99 » Sat Aug 04, 2012 4:03 pm

Just for the record, I burned Amex with 2 cards CO in 2002. (the amounts weren't that high but a CO is a CO).

I got approved for 3 cards this year, and thought I was off the list (I did not pay the CO amount, I simply was approved on applying, including one manual review). It's when I went for the Plat for the travel benefits apparently something happened. Based on what I've read, I believe the 4th app in less than 2 months may have triggered FR (Financial Review). It was declined and Amex started saying I had a delinquency. I then closed my cards when I couldn't get to the bottom of the delinquent card they said I had. My mistake I believe was the CSR told me it was a Plat that became delinquent a month earlier, I believe he was not clear on what was delinquent on the account (obviously I never had a plat so something was off there....but it could be just that CSR).

I later applied for another card (mistake but...) and it was declined and the reason given was "your previous Amex account was cancelled". I saw another post on another board where a person was given the same reason who was blacklisted, and sure enough there is no hard pull for my app, which means I'm blacklisted.

I read and dug further and found a story on yet another forum of someone whose brother had a CO but got back in with a Delta Gold. When he went to Mexico Amex shut his card down and told him he needed to pay the old charge off if he wanted to get back in the club.

I'm documenting all this so those who have had charge offs know what they are facing with Amex. They will NOT forgive and forget - they still remember. You MAY slip through the cracks but eventually it WILL catch up with you, so keep that in mind before you climb back into bed with Amex. If you do, you had best call them up and pay the old charge off, or you are likely to find you are just a "temporary" member.

I'm on their blacklist and I have no plans of ever seeing if I'm off it. I could pay them the amount, but I would never trust them not to just arbitrarily FR me and close me down after my own experience so I'd rather stay with the companies I have a good relationship with now. I for one don't REALLY believe even if you pay them, they forgive. I'm not bitter though it was educational, and hopefully someone else can learn from what I've found.


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FastSRT8
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Postby FastSRT8 » Sat Aug 04, 2012 6:09 pm

Thank you for taking the time to pen this. I am sorry to hear of your plight with Amex and hope things go well for you in the future. All the best and thanks again for sharing this personal bit of information. Definitely a lesson learned worth sharing with this community.
Carpe diem quam minimum credula postero!

CC Deville
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Postby CC Deville » Sat Aug 04, 2012 6:46 pm

I just think it is stupid that they let you back in and then changed the rules. If they are going to blacklist (which is totally their right) then they need to completely blacklist and not do it half arsed.

At the very least you have 2 (3?) accounts backdated to 1999 on your bureau. Those will be there another 10 years to help out your Average Age of Account. You have also done well in obtaining prime cards. So their loss.



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