I think the Amex blacklist must be bi-polar

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MemberSince99
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I think the Amex blacklist must be bi-polar

Postby MemberSince99 » Sun May 19, 2013 8:11 pm

Just for the literal hell of it, I decided to app for the Amex Gold. I figured I'm blacklisted, so it shouldn't even be a hard pull if they stay true to form.

I figured if by the odd chance I got it, which was about zilch, I could use it for Credit Secure. And the backdating wouldn't hurt.

Honestly it doesn't have much place in my wallet beyond that, but I figured it was a moot point anyway.

So I go and app. I hit submit, and immediately I mean immediately I got the 10 to 14 day message. I thought yep it hit their blacklist database and chucked me right out the window, as expected.

Then I get an email "Your card application has been approved!"

I was like say what? So I got to the website and sure enough it says Approved on the application status page too. I had to clear my eyes a couple of times to believe it. But that's what it says.

Any thoughts? Like that I'm nuts to even app for it, or thoughts on how that can be?

I know from experience to lie VERY low with them and NOT to app for anything else with them for at least 6 months to a year, and do nothing to draw attention. Kind of like Chase, I will tread lightly for a while until I establish myself with them again.

Not sure what to think really, it doesn't feel like last time I was approved not really sure how to feel. I app'd and I can use it, for the reasons stated above, it won't be my primary card, but I can use it.

If I actually really get it. Part of me thinks they are subject to change their minds about the whole thing. They might be the only company out there that changes their mind more often than I do.

So I'm not going to add it to my signature yet. Let's see.


KrazyNick
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Postby KrazyNick » Sun May 19, 2013 8:27 pm

Congrats! Why were you blacklisted before? Maybe after a certain time they remove you from the blacklist!
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MemberSince99
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Postby MemberSince99 » Sun May 19, 2013 8:33 pm

I had two charged off cards with them a Green and a Blue from 2002. The amount wasn't all that much, but they don't forget about it, and any loss is a loss.

Maybe, or maybe I just slipped through the cracks like apparently happened last year. I suspect that's more than likely what happened, they are not known for forgiving charge offs without repayment.

The only other logical explanation I can come up with is, they decide to let you in for a time, and later down the road, at some point the charge offs are brought up and it's mentioned that paying for them would really be a good idea. That is possible as well.

Otherwise I have no explanation.

Robrus1
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Postby Robrus1 » Sun May 19, 2013 9:24 pm

Congrats, '99! Will your member since date be '99? Or do they start people at the current year after a gap in card membership? Could it be that the computer system doesn't keep records that far back for small amounts?
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Gamma
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Postby Gamma » Sun May 19, 2013 9:25 pm

I use credit secure. Great product they offer for card members. Do you plan on doing a pc to a green later next year to avoid that high annual fee or applying for a credit card with them? The extra statement credit they offer for liking them on fb is also great.

MemberSince99
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Postby MemberSince99 » Sun May 19, 2013 9:31 pm

Robrus1 wrote:Congrats, '99! Will your member since date be '99? Or do they start people at the current year after a gap in card membership? Could it be that the computer system doesn't keep records that far back for small amounts?


I have no idea, but since my cards from last year were backdated, I assume this will be too, but with Amex, you just never know 100%. But most likely yes.

I'm sure they still know and have it somewhere. How this happens exactly I really don't know. But I'd bet money they haven't "forgotten" I just don't know why sometimes the blacklist works and other times you can get through it. I will say to anyone who gets through it, keep a VERY low profile with them.

MemberSince99
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Postby MemberSince99 » Sun May 19, 2013 9:33 pm

Gamma wrote:I use credit secure. Great product they offer for card members. Do you plan on doing a pc to a green later next year to avoid that high annual fee or applying for a credit card with them? The extra statement credit they offer for liking them on fb is also great.


I guess that assumes I still have it then. I don't plan to close, but I'm not convinced they won't shut me down after realizing their "mistake" of approving me. But, if that doesn't happen and I have it, I don't plan to downgrade, I prefer the gold. Not sure it really fits into my credit profile, but the backdating would be super and the CreditSecure is worth it for that alone to me.

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Postby FastSRT8 » Sun May 19, 2013 10:18 pm

QUICK.... delete this thread.... you don't want them to see this ;)
Carpe diem quam minimum credula postero!

MemberSince99
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Postby MemberSince99 » Sun May 19, 2013 10:25 pm

hahaha Yeah I thought of that, they may have CSRs who read this, but I'm sure I'm not the only one like this, and they did approve, I doubt anyone really cares that much, I just have learned if you do get in, keep a VERY VERY low profile with them and stay off their radar for a while. No apping for anything else with them for a while, just take it easy. If you can't do that and keep the card, I guess it is what it is. Since I want to stay inquiry free all of next year for hopefully buying property at some point after next year, and I know better than to app for another Amex anytime soon, staying under their radar hopefully won't be too hard to do.

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Postby Snowman » Sun May 19, 2013 10:30 pm

Member, If you actually did get approved, and they are actually going to send you a card, I suggest that you keep it this time and not shut all of them down at once like last year...lol. Maybe you are really lucky, and they might give you a 3rd chance..lol. Both Chase and Amex are willing to let you back in and maybe "forgive you" (that is if they don't end up canceling it.) I say you take your advice, lay low, and reestablish as you said, but congrats since you got approved. If I were you, I would have gone for the PRG (albeit the annual fee is quite a bit) but it's easier to get rewards. The regular Gold seems rather meh as most people I know really don't like the regular Gold. Again congrats.
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