Amex after BK...

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
11 posts
PallasAthena
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Amex after BK...

Postby PallasAthena » Fri Oct 11, 2013 11:16 pm

I believe I am blacklisted for Amex.

I filed for BK in 2006 (chapter 7). Amex Blue was included and I owed $1500 (I think...)
Ever since then, I've paid all my bills on time and my credit scores are in the low 700s now. My line of credits are all $5000 and above (except for Cap 1... they don't extend credit!!)

Anyway, I called the recon dept because I was rejected for a Green in July. I called today to speak to someone because I just found out about the recon dept. The guy was very nice. But, after he input my information, his tone changed. He was rather nasty and told me that they didn't even pull my CR or look at my application because it shows in their record that I owe them $$. Doesn't matter if I filed for BK. It's either pay what I owe to get in their good graces or forget about having an AMEX card.

:eek:

I am thinking of applying again in 3 months (after 6 months went by) and keep insisting until I possibly fall through the cracks.....? Anyone have any luck with this?
Dec '16 Fico: 800+
Ch 7 BK in '06, finally dropped off in '16
2 mortgages
paid off car
$0 CC debt (Disc, Citi, and WF Amex)


tigerowl06
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Postby tigerowl06 » Fri Oct 11, 2013 11:38 pm

I think I've seen other posters write about this before. I want to say some did get an AMEX after bankruptcy, but I don't recall if their AMEX accounts were included. I think it took a lot longer than 7 years, too. Like a LOT longer. I think if you don't want to pay them you should just forget about their cards, honestly.
Chase Freedom ($2.5K, 10/2009)
Discover it ($6K; 03/2011)
Amex BCE ($19.5K; 02/2013 - 2011 BD)

PallasAthena
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Postby PallasAthena » Sat Oct 12, 2013 12:15 am

tigerowl06 wrote:I think I've seen other posters write about this before. I want to say some did get an AMEX after bankruptcy, but I don't recall if their AMEX accounts were included. I think it took a lot longer than 7 years, too. Like a LOT longer. I think if you don't want to pay them you should just forget about their cards, honestly.


Thanks tigerowl06. Yes, you're right. I think the best thing would be to forget about it because there are other cards with really great benefits that will approve me.
I applied for a Chase Slate today and I will transfer some balances. Eventually, I will ask to upgrade it to a better card after I've had it for a while.
Dec '16 Fico: 800+
Ch 7 BK in '06, finally dropped off in '16
2 mortgages
paid off car
$0 CC debt (Disc, Citi, and WF Amex)

DavidNY
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Location: New York

Postby DavidNY » Sat Oct 12, 2013 11:19 am

The good news is if you're on Amex's blacklist and apply they won't pull your credit report.

You can still get Amex network cards such as Fidelity Amex.

craigm1
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Might be hope

Postby craigm1 » Sat Oct 12, 2013 12:51 pm

I filed for bankruptcy in 94 and in 2008 received a pre approved offer for a blue sky card with a $3100 limit took it and converted it to a blue cash card and now the limit is $34,000. Keep in mind I had a gold and optima card that was charged off to the tune of about 15k. Thinking I'm back with them I had high hopes for getting the SPG card when the points bonus hit 30k back at the end of Aug of this year and they denied me, I called up and the said they wouldn't approve me because I had a card that they closed and wanted to know if I was interested in making them whole. I said no and they told me to get a card for my wife and put me down as an authorized user, Wife got approved for SPG card and I immediately went to become an authorized user and they denied me for that as well. In the last month I have recieved offers for the gold amex and Plantimum amex charge cards. They never forget you may have to wait quite some time to get back in the door with them buy you may eventually have that chance.
Current Cards: American Express:Grandfathered Blue Cash CL 34k member since 89
Chase Freedom CL 7.5k member since 04
Chase Marriot Rewards Premier CL 20k member since 13
Chase Sapphire Preferred CL 25K member since 13
Bank Americard Cash Rewards Signature Visa CL 14k member since 11
Discover Cashback Bonus $10.5k member since 11
US Bank Cash + Signature Visa 19k member since 12
Citibank Thank You Preffered World Mastercard $16.5k member since 14

rockyrock
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Postby rockyrock » Sun Oct 13, 2013 1:57 pm

+1 for the last two posts.

Keep in mind your score is only ONE of the factors issuers use to determine whether or not they extend you credit.

Amex (and Discover) seem to have quite a different metric than most of the other major issuers like Chase, Citi, BofA, etc.

Good luck.
American Express (2005): Green & Blue Cash Everyday
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

takeshi
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Postby takeshi » Mon Oct 14, 2013 8:11 am

PallasAthena wrote:I am thinking of applying again in 3 months (after 6 months went by) and keep insisting until I possibly fall through the cracks.....? Anyone have any luck with this?

I've been through a BK myself but I don't think I owed anything to AmEx. I just got a BCP this year. My BK was from 2000.

What I've read from those that did owe AmEx was that they had to repay and then rebuild with something like the Optima.

MemberSince99
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Re:

Postby MemberSince99 » Fri May 20, 2016 10:35 am

takeshi wrote:
PallasAthena wrote:I am thinking of applying again in 3 months (after 6 months went by) and keep insisting until I possibly fall through the cracks.....? Anyone have any luck with this?

I've been through a BK myself but I don't think I owed anything to AmEx. I just got a BCP this year. My BK was from 2000.

What I've read from those that did owe AmEx was that they had to repay and then rebuild with something like the Optima.


I think you are generally correct.

It's always ymmv though.

I burned them though not in bk. After years I was able to get back in. I never paid it back. In legal terms in my state once a debt is time barred it no longer exists. So in the eyes of the law there simply is no debt as the debt was from 2002. However while they could not sue me for this debt legally or even attempt collection on it they are certainly free to remember and decline me for as long as they want to.

In my experience if you get back in with them a year or two of good behavior will put the relationship back to really good. In my case for the first year they would auto decline cli requests. I now have a revolver with a 15k limit. But they watch you at first do best to watch yourself.

If you want to know if you are blacklisted that's easy. Just apply. No hard pull and a message mentioning delinquency means you are on it.

If you doubt that just burn them and test it for yourself. If you still doubt it well then rock on.

PallasAthena
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Re: Amex after BK...

Postby PallasAthena » Sun Jul 24, 2016 10:27 am

I am the OP.
I was sent a pre screen letter for the newest "Wells Fargo Propel Amex" card https://www.wellsfargo.com/credit-cards/propel/ and I after applying, I was approved!
I filed for BK Nov 2006 and it should disappear in a few months. Amex was included in that.
I hope this puts me back in Marx's good graces. Last year, I applied and got an Amex corporate card without being denied but that was through my employer. This Propel card is just a personal one.
Yeah!
Dec '16 Fico: 800+
Ch 7 BK in '06, finally dropped off in '16
2 mortgages
paid off car
$0 CC debt (Disc, Citi, and WF Amex)

MemberSince99
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Re: Amex after BK...

Postby MemberSince99 » Sun Jul 24, 2016 4:42 pm

PallasAthena wrote:I am the OP.
I was sent a pre screen letter for the newest "Wells Fargo Propel Amex" card https://www.wellsfargo.com/credit-cards/propel/ and I after applying, I was approved!
I filed for BK Nov 2006 and it should disappear in a few months. Amex was included in that.
I hope this puts me back in Marx's good graces. Last year, I applied and got an Amex corporate card without being denied but that was through my employer. This Propel card is just a personal one.
Yeah!


That's interesting you got the corporate card. I burned them too and they let me back in and I had personal Amex cards in my wallet, but when I applied for the corporate card through my employer they denied me for that, because of the burning. They basically said if I paid what was burned that it would be reconsidered.

But yeah, generally speaking if you recently burned them in whatever fashion, your odds are getting back in are not very good. I've read accounts of some people who went many years (20 or more) and still weren't allowed back in. It's really always YMMV and impossible to predict just how long you will be kicked out for, but whenever they don't pull your credit and deny you for "past delinquency" that means congratulations, you are blacklisted.



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