- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
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.