Denied for TrueBlue, should I call for reconsideration?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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GSusser
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Denied for TrueBlue, should I call for reconsideration?

Postby GSusser » Tue Dec 11, 2012 6:52 am

I'm wondering if there's anyone at TrueBlue I can appeal to or if I should just move on. I fly JetBlue all the time and would like the points.

I had excellent credit, 700 or so FICO. Then, 7 years ago I filed Ch7 bankruptcy due to my business failure. Included in my debts was AmEx. I had the card for about 10 years and always maintained it well. Since I filed bankruptcy, I've re-established my credit. I haven't checked my FICO score recently though.

The reason for declining my card was because they wrote off my balance previously.

Any advice would be appreciated - glenn


Freedomtodiscover
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Postby Freedomtodiscover » Fri Dec 14, 2012 2:03 pm

It's going to be hard to get back in with Amex after they been burned. I would consider the Chase Sapphire card. It's a bit better than the jetblue amex in my opinion.
[size=80]
HSBC Premier - $32K
Amex BCE - $10.5K
Amex ZYNC - NPSL
Chase Freedom - $5K
Discover IT - $3K
EX Fico- 780[/size]

MemberSince99
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Postby MemberSince99 » Fri Dec 14, 2012 3:59 pm

You can get back in quite possibly, perhaps even probably. Depends on how badly you want it.

Amex as a rule does not let you back in once you burn them unless you pay them back every cent you burned them for. I say as a rule because some people slip through the cracks (I did) and others by being extremely persistent and having a huge income manage to get back in anyway (per the FICO forum, one guy wrote his experience there recently). But as a rule, if you want to get back in with them, you will need to arrange with their collections to pay them back whatever you burned them for. They may choose to let you do this, or I've read other cases of people they actually refused to take the payment from, and those folks I would imagine was just out of luck.

But if they do let you do that, after a couple of months have gone by assuming good credit, you should be able to get back in with them. Like I said how important is it to you? I guess you have to decide that.

If you are interested I would call their CS and explain the situation and ask for the number for Amex collections or just Google that and give them a call and see if you can pay that amount off for starters. If they let you do that, you should be able to get back in.

agp
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Postby agp » Fri Dec 14, 2012 7:01 pm

Always call for recon.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

Vermonster
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Postby Vermonster » Fri Dec 14, 2012 8:35 pm

We can all sit here and assume, but the only thing that matters is what Amex says. You're already taking the hit for the Inq, why not get a legit answer out of it?
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

MemberSince99
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Postby MemberSince99 » Fri Dec 14, 2012 9:28 pm

One thing that isn't an assumption - if the denial reason says something to the effect of "Amex closed your previous account(s)" that can be translated as you are blacklisted. I speak from personal experience with the matter. Just an FYI.



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