Denied

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Z06Biker
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Location: Los Angeles

Postby Z06Biker » Tue Mar 25, 2014 12:58 am

HotrodBill wrote:I would say this, as someone who came from horrible credit to what i have listed in my signature. Its gonna take some time. I personally would focus on making on time payments with your capital one card and after 4-5 months, i cant remember how many it is exactly, they will usually give you a small boost in credit limit to somewhere around 500 or so.

once you get there, continue to maintain perfect history and payments, and focus on trying to get a bump from your other cards if you can that aren't secured. I personally started with first premier and a secured cap one card. after a few years of zero missed payments, and always on time and early, I started getting better cards. ( I had no idea a knowledge base such as this existed)

then one day I figured i'd go for a prime card, and low and behold, chase gave me a shot. the rest is history.

the point is it took time, and this is gonna take time. a BK is a big thing to come back from. you have $2800 in credit cards currently.... Id ask myself do I really need more?

I set a goal of getting both a charge card and credit card from Amex cause in my head, to me it said "you made it" as far as credit goes. While it was incredibly rewarding to see your approved on the computer screen, and hear welcome to american express over the phone, i had a moment the other day where I just realized it was simply another bill to pay at the end of the month, and that all it really says about you is you have ok enough credit and you generally pay your bills on time. nothing more, nothing less. ( I was a little bummed the envelope the card came in didnt have confetti or a small airplane bottle of champagne.

You'll get there, it just takes time. It took me 5 years of getting my crap together. you'll be there in 4 tops when the BK clears. until then just keep paid on time, and make little steps. remember what my grandpa taught me- inch by inch, its a cinch, yard by yard, its hard. -Bill


Best advice so far.
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
USAA World Mastercard, USAA Platinum Mastercard
Wells Fargo Business Platinum
USC Credit Union Mastercard


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tbka
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Joined: Sat Mar 15, 2014 11:40 am
Location: Phoenix, AZ

True Words

Postby tbka » Tue Mar 25, 2014 4:43 am

Z06Biker wrote:
Best advice so far.


I totally agree! I know this journey will be long and hard. But I'll start doing thing right, paying my bills on time, keeping a good utilization, and having patience. I just know it will be a awesome day when I have my hand on a Amex. I just want to do this for me. Because I will arrive again.
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18

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nismoZtuner
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Location: EARTH -CA

Postby nismoZtuner » Tue Mar 25, 2014 12:24 pm

tbka wrote: I just know it will be a awesome day when I have my hand on a Amex. I just want to do this for me. Because I will arrive again.


Totally! Good luck!
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22

BrianLopez
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Location: Columbia, MO

Postby BrianLopez » Mon Mar 31, 2014 3:40 pm

My parents had a BK but when they discharged I sent an AMEX referral for a PRG and they were approved some how.

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tbka
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Posts: 67
Joined: Sat Mar 15, 2014 11:40 am
Location: Phoenix, AZ

Crazy

Postby tbka » Tue Apr 01, 2014 7:23 am

BrianLopez wrote:My parents had a BK but when they discharged I sent an AMEX referral for a PRG and they were approved some how.


NO flippin way! :rant:

I am being... well... I don't know. Frustrated :confused:
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18

PallasAthena
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Location: USA

Postby PallasAthena » Sat Apr 05, 2014 11:55 pm

Just an FYI.. (not sure if it was discussed here) but if you filed for BK and you included an AMEX card, they put you on a "black list". I filed for BK in 06 and it was discharged in early 07. The only negative on my CR is the BK. I tried to get an AMEX card last summer and the representative on the phone was initially very nice to me. After going over my record and realizing that I included a $1500 Blue card in the Chapter 7 BK, he got angry with me and told me that if I want an AMEX card, first I have to pay what I owe them regardless of the BK. (The representative on the phone was offshore, btw.)
In the meantime, if you want better cards, be on good behavior like someone said. Try the Discover IT card and the Chase Slate. If you get denied, call the "reconsideration number" and ask them to reconsider. It worked for me!
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)

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tbka
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Joined: Sat Mar 15, 2014 11:40 am
Location: Phoenix, AZ

Hmm...

Postby tbka » Sun Apr 06, 2014 8:34 am

PallasAthena wrote:Just an FYI.. (not sure if it was discussed here) but if you filed for BK and you included an AMEX card, they put you on a "black list". I filed for BK in 06 and it was discharged in early 07. The only negative on my CR is the BK. I tried to get an AMEX card last summer and the representative on the phone was initially very nice to me. After going over my record and realizing that I included a $1500 Blue card in the Chapter 7 BK, he got angry with me and told me that if I want an AMEX card, first I have to pay what I owe them regardless of the BK. (The representative on the phone was offshore, btw.)
In the meantime, if you want better cards, be on good behavior like someone said. Try the Discover IT card and the Chase Slate. If you get denied, call the "reconsideration number" and ask them to reconsider. It worked for me!


Thank God I did not have Amex in my Chaper 7, it was mainly +500%apr payday loans and fingerhut and a jeep. I should not be on a blacklist, I just have no history with card credit. I hope after a few months I can reapply and get a Amex.

I did try for a Discover with no success though. I call them and they where all saying I need more history. Maybe I'll try both IT and DeltaSkyGold in six months. If not a year from being rejected. Hopefully, with being a good boy, I'll fare better?!?!
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18

impaul4
Green Member
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Joined: Mon Mar 31, 2014 10:57 am
Location: KS

Postby impaul4 » Mon Apr 07, 2014 12:46 pm

Sorry about the denial. Keep gardening and increasing that score and good things will come.

MemberSince99
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Location: WI

Postby MemberSince99 » Mon Apr 07, 2014 4:43 pm

I didn't see anything about you being on their blacklist. They just don't like BK. They are well known for that. (They aren't the only lender who feels that way).


I'm still not sure why you are so obsessed with getting one NOW. I went years without a single card. I earned it. When you burn a bunch of lenders you pay the price with your time in credit purgatory. I learned how to use a debit card and live within my means. That was ingrained into my behavior. Now I treat these cards the same way and it's a great thing.


With being a good boy you will, but it won't happen overnight. You know, does it suck to pay for that? Sure does, but I just can't feel THAT sorry. I mean hell I lost my job through no fault of my own but I got in the same mess and that's just how it goes. Hang in there and you'll turn it around just don't be too eager for anything NOW. I think it's just maybe a case of what you can't have looking better than it really is, the grass is always green (when you get it from Cheech and Chong...).

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tbka
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Joined: Sat Mar 15, 2014 11:40 am
Location: Phoenix, AZ

The Story

Postby tbka » Wed Apr 09, 2014 7:30 am

MemberSince99 wrote:I didn't see anything about you being on their blacklist. They just don't like BK. They are well known for that. (They aren't the only lender who feels that way).


I'm still not sure why you are so obsessed with getting one NOW. I went years without a single card. I earned it. When you burn a bunch of lenders you pay the price with your time in credit purgatory. I learned how to use a debit card and live within my means. That was ingrained into my behavior. Now I treat these cards the same way and it's a great thing.


With being a good boy you will, but it won't happen overnight. You know, does it suck to pay for that? Sure does, but I just can't feel THAT sorry. I mean hell I lost my job through no fault of my own but I got in the same mess and that's just how it goes. Hang in there and you'll turn it around just don't be too eager for anything NOW. I think it's just maybe a case of what you can't have looking better than it really is, the grass is always green (when you get it from Cheech and Chong...).


So you want to know when it starts, long ago when I was about 10 years old and received a preapproval the mail from AMEX there in was my first possible credit card. All they needed was my SSN to get it. But my father at the time got the mail first and took the application tore it up threw it away and ever since then I dream of the day the one chance of me having one of those cute little plastic cards in my hand alas still have to wait for that time to happen.
Capital One Platinum $500
Barclaycard Rewards $500
Wells Fargo Secured Platinum $1,000
Elan Financial Platinum $1,000


Experian 641 3/10/14
Equifax 663 3/10/14
TransUnion 631 3/10/14
Barclay 620 8/24/14
Capital One 632 8/24/14
Credit Karma 632 8/24/14

Bankruptcy till 4/18



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