- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
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....
Anyway, to answer your question, yes I still have the two cards in my signature. I did burn Amex in 2002 (date of first delinquency) for somewhere between 2200 and 2600, I'm guessing 2400 something would be approximately the amount. I did not repay them that amount. In 2011 they sent me a "pre-approval" and I was shocked as I assumed I was blacklisted. I applied over the phone and was declined for Green, but was hard pulled and not blacklisted at the time since it was a hard pull and the delinquency was not mentioned.
In April 2012 just on a hunch I applied for Zync and was instantly approved. In the next 6 weeks or so I also applied for and was approved for Gold and BCP. Then soon after I was wanting a travel card so I applied for Platinum. Not sure exactly what happened, but it was declined, and the reason given was "due to previous delinquencies" which is what they use if you are on the blacklist. (Since I was a current cardholder, they would not have hard pulled a decline so that wasn't a tip off). Why Platinum triggered that where other cards did not, only Amex would know. I was kind of hacked and figured that since that was still an issue I may as well just move on so I closed the accounts. Several months later I realized I had been hasty and wanted a Delta card, and a charge so I applied for first Zync then Delta, and both were declined without hard pulls even though I did not have a card at the time, and the reasons were the previous delinquency reason only, meaning I'm on the blacklist.
At that point I knew further applications were going to be fruitless so I just moved on. In May of 2013 I applied for and was approved for the CSP card, which had been my dream card, and thought since I'm at it why not try for Amex, if they decline because I'm blacklisted they won't hard pull, so I applied for Gold and was approved (the current card that I have). Obviously I'm off the blacklist. Soon after I applied for BCP and BSP and was approved for both but as mentioned with 2k limits. Amex declined CLI requests with the previous delinquency reasons (and only those reasons). I would not say I was upset, I do understand, however a travel card with a 2k limit is kind of useless to me just being honest. So that was going to go regardless especially with an annual fee. But since I was at it, I just decided to close the BCP too since it wasn't going to grow so I did. I kept the Gold which I still have.
As mentioned I applied for and was approved for the EDP in late March. As mentioned, it was partly for the card itself, even though I knew I'd get a 2k limit that is unlikely to grow anytime soon (if ever) and partly to boost my AAoA for my mortgage plans this year. (The cards I added early this year dropped my AAoA).
That's about all I can tell you. Why they let me back in, with not paying the charge off, only Amex could tell you, likewise why they blacklisted me in 2012 only they know as well. But I can tell you for a fact it is possible to go from having multiple cards to being on their blacklist to having multiple cards again all within one calendar year - I know because I've been there. Strange but true, but hey we people here live to push the limits, if we were meek sheep who just settled for what life wanted to offer us, we likely wouldn't have the cards and limits in our signatures so it's all good.
Hopefully this helps. If not feel free to PM me for whatever else you are looking for.