Question to Membersince99

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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otter
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Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Fri May 09, 2014 6:36 pm

randeman wrote:I dunno. I'm kind of skeptical about the whole "blacklist" thing.


It my not be as tangible as, say... the "do not accept checks from" list posted at the register of your local store, but it is well known that Amex is very slow to forgive and forget.
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


MemberSince99
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Posts: 4913
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Location: WI

Postby MemberSince99 » Fri May 09, 2014 7:32 pm

otter wrote:It my not be as tangible as, say... the "do not accept checks from" list posted at the register of your local store, but it is well known that Amex is very slow to forgive and forget.




True they do tend to be but it's always YMMV. Who would have thought that late last 2012 I'd be blacklisted (as noted by the no hard pull for an app with the "previous delinquency" message) and then 6 months later apply and get a card with them?


But to insist ah it's nonsense because I burned them and by the time I applied is just kind of hard to understand. I mean I burned them in 2002, yet when I next applied with them in 2011 it was a hard pull and I was not blacklisted. For me to say oh there is no such thing as a blacklist based on that is pretty much ludicrous. Just because I wasn't on it then, doesn't mean someone else isn't sitting on it.


But hey, as I said, we are free to believe dinosaurs walked with cavemen like in the Flintstones if we want to. Everyone is entitled to their opinion, no matter how ignorant it may be.

randeman
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Location: New York, NY

Postby randeman » Sat May 10, 2014 2:49 am

MemberSince99 wrote:I'd like to engage in supposition that the world is round. What say you? Yea or nay?


I say I pass on continuing this idiotic exchange.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

randeman
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Location: New York, NY

Postby randeman » Sat May 10, 2014 2:50 am

otter wrote:It my not be as tangible as, say... the "do not accept checks from" list posted at the register of your local store, but it is well known that Amex is very slow to forgive and forget.


No dispute there.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

MemberSince99
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Location: WI

Postby MemberSince99 » Sat May 10, 2014 7:31 am

randeman wrote:I say I pass on continuing this idiotic exchange.




I agree 100% it's idiotic. Beyond that, I have nothing to say, other than best of luck in your delusions.

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AmEx Bear
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Postby AmEx Bear » Sat May 10, 2014 10:56 am

MemberSince99 wrote:Sorry for the delayed response I did not see this prior to now. I have spent some time away from the forum after the whole Bears and Turtles post I do NOT want to stir that nonsense up again, I get enough drama at work I don't need it on my own time too. So I'm NOT intending to poke the bear (bad pun there) let's just leave that be if I want to hear screaming at least I should get paid for it....


BEAR POKED!!!
Poke me and I will F/R you

MemberSince99
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Location: WI

Postby MemberSince99 » Tue May 13, 2014 8:27 pm

Well I probably poked the bear again, but in a sense I don't care so why not in that case.


I went and tested my "Will my charges be approved" on the revolver, put in 3k and it said it would be approved. Just a couple of days ago, I tried the same thing and it was only approved for 2k. A week before that, it had been approved for over 3k.


I'm really baffled by how they do that, I can't for the life of me see a logic pattern for it. I guess we are safe just figuring we have the limit and that's it and not worrying about the rest. It sure seems to change a lot very quickly. I mean in 5 days it could be back down to 2k again for no reason that I can figure out. So why sweat it.



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