Excellent credit today - but multiple charge offs from many credit cards 12 years ago

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
111 posts
mdawg
Gold Member
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Posts: 27
Joined: Tue Apr 01, 2014 1:36 am
Location: California

Postby mdawg » Sun Apr 05, 2015 1:48 pm

amex007 wrote:hmm humorous responses on this thread altho the shamelessness of ur actions shows ur youth.


Well yeah, live and learn. I'm still a young pup now and was a really young pup then, but still...AMEX IS HURTING and needs to let me back in!


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otter
Centurion Member
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Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Sun Apr 05, 2015 5:47 pm

mdawg wrote:Well yeah, live and learn. I'm still a young pup now and was a really young pup then, but still...AMEX IS HURTING and needs to let me back in!


I think you need Amex more than they seem to need you since you are obsessed with getting back in. I doubt anyone at Amex has given you any thought since you burned them. You're just another persona non grata on the Amex blacklist.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

Nixon
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Posts: 1071
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Postby Nixon » Sun Apr 05, 2015 7:53 pm

mdawg wrote:I charged off about $70K of debt with Chase, again, this happened now, about thirteen years ago. No bankruptcy ever.

I have had a Chase credit card for a couple of years now, maybe three. My Chase card has the lowest credit line of any of my other cards. It started off at $5000. About a year ago I called to have it increased, and they did increase it to $10,000. During the phone call the rep did say, oh, we charged off a lot of debt from you in the past. I said nothing. Sometimes saying nothing and just waiting is the best response. He then just went on and said, well that was a long time ago, and increased my line to $10,000.

Recently I called to have the Chase increased again, and once again the rep said the same thing, that looks like we charged off a lot of debt with you. This time, the rep declined to increase the line, but he said that he didn't care about the old debt because it was a long time ago, but he declined because he noted recent inquiries (from a few other requests to increase credit lines on my other cards, all of which increases were granted) and another credit card with an extremely high credit line that I had just opened, which were true. He said to call back in six months or a year and that they would accommodate me when there weren't any fresh inquiries.

I'd say 80% of my cards are with companies who charged off old debt of mine, and the other 20% are with newbies. Nowadays there are so few big banks that offer credit versus the many many that were around 13 years ago, that choices are limited. For example, BofA bought out more than a few, no more MBNA, etc.

As far as these credit line increases and requests to open a credit card, and calls of the same ilk, I have learned to figure out what sorts of people who answer the phone will be accommodating and what sorts will not. The person who answered the call the first time, I knew would help me out. On the more recent call to Chase, I could tell the person was a hard nosed one, and I should have just hung up immediately, but I was tired and busy that day and just wanted to get the call over with. Of course I was right, and in the future depending on who answers the phone I might hang up within seconds.


I admire your guts. :)

Like I said. I think you'd be a perfect fit at MyFICO.
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travisrauh
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Joined: Sat Aug 17, 2013 1:01 pm
Location: Fort Lauderdale, FL

Postby travisrauh » Mon Apr 06, 2015 1:10 am

mdawg wrote:Well yeah, live and learn. I'm still a young pup now and was a really young pup then, but still...AMEX IS HURTING and needs to let me back in!


American Express doesn't need to do anything. Period.
I am an employee of American Express. All posts are those of my own and do not reflect the actions or opinions of AXP. While all efforts are made to ensure accuracy in my posts, for official statements or responses, please consult with @AskAmex on Twitter or dial the number on the back of your card.

popamode72
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Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Mon Apr 06, 2015 9:23 am

mdawg wrote:Well yeah, live and learn. I'm still a young pup now and was a really young pup then, but still...AMEX IS HURTING and needs to let me back in!


The way you capitalize words like that makes you sound obnoxious. Given how Amex has really watered down their products and all the BS they've been pulling, why would you even want an Amex card now? They even got rid of backdating.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

amex007
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Posts: 131
Joined: Wed Apr 01, 2015 3:31 pm
Location: NY

Postby amex007 » Mon Apr 06, 2015 11:01 am

popamode72 wrote: Given how Amex has really watered down their products and all the BS they've been pulling, why would you even want an Amex card now? They even got rid of backdating.


They got rid of backdating?! Interesting, i guess i'm lucky i got my ED card in Jan before they stopped backdating.
Also, Chase did happen to forgive my debt and started me with a 5k limit like they did for mdawg
Amex Gold NPSL | Amex ED 28500 | Barclaycard Arrival 17500 | Hyatt visa signature 5000
sockdrawer-- GM 4000 | Unionplus 2200
EX 795 EQ 786 TU 790

popamode72
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Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Mon Apr 06, 2015 1:41 pm

amex007 wrote:They got rid of backdating?! Interesting, i guess i'm lucky i got my ED card in Jan before they stopped backdating.
Also, Chase did happen to forgive my debt and started me with a 5k limit like they did for mdawg


Yeah it's been a huge thread over at MyFico and Credit Boards from what I've seen. Haven't kept up with the drama today but that's what's going on. Some people are saying that maybe it's a tactic to discourage people from doing but I think they have legitimately known about backdating for a long time now.

I'm sort of glad that I closed mine because there were a lot of things about them that were driving me nuts, especially how annoying it got for me not to be able to use my Amex cards at certain places and what they've been doing to their rewards, APRs, etc and the FR I got from them was the straw that broke the camel's back. I agree with a lot of what MB and otter have said about them. Also doing much more of my spending with Chase and Discover has made realize that their customer service also really pales compared to other CC companies.

That's good that you're back in with Chase. They can be very strict on derogs especially if you burned them in the past. I have seen folks get back in with them after BK but it took a long time for that to happen for them.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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otter
Centurion Member
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Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Mon Apr 06, 2015 8:38 pm

travisrauh wrote:American Express doesn't need to do anything. Period.


I think the Serve card would be a great choice for OP.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

popamode72
Centurion Member
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Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Mon Apr 06, 2015 8:54 pm

otter wrote:I think the Serve card would be a great choice for OP.


Nah I think the Bluebird will "serve" him right.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

Nixon
Centurion Member
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Posts: 1071
Joined: Mon Nov 03, 2014 11:12 am
Location: Great Southwest

Postby Nixon » Mon Apr 06, 2015 9:17 pm

I'd sign petition for the OP to get Platinum AMEX.
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