Can I get away with this? Need advice!

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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miamiestabuyers
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Location: Miami, Florida

Can I get away with this? Need advice!

Postby miamiestabuyers » Sun Nov 04, 2012 1:39 pm

New member here and I have learned so much after reading these threads since just yesterday!

I currently have a 717 credit score with experian and I have a Citi AAvantage Plat. Card with a $3500 CL and a Capital One Platinum Visa with a $500 CL.

I had a Green Amex card when I was 20 in 1999 but then lost my job couldn't pay a $400 balance and went to collections for it and then eventually paid the balance out in a month and closed the account. This Amex account is no longer in my report of course because so many years have past but I was wondering if I applied for a gold business Amex card now could I tell them that I had a card with them in '99 and possibly have the new card present as a member since '99? :cool:

My oldest account currently believe it or not is my Crap one card at a little over one year and my car that I finance is also 1 year old. Never really used credit all these years working primarily with cash but now I need to get it going and I would love if there is a possibility if that works somehow my Amex would report to the bureau's that my account is 13 years old. Could this work? How would this improve my credit or would it not do anything? Would love to here some feedback. Thanks!!!


DoingHomework
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Postby DoingHomework » Mon Nov 05, 2012 7:41 pm

AMEX is it's own special animal. They might not give you credit again, ever! But others have reported here that something similar happened and AMEX gave them credit again after a few years. It probably would not hurt to try. But they will know about it so don't even think about trying to get something new without mentioning the old problem. I would CALL them and speak to a human rather than trying to do it online or by mail.

miamiestabuyers
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Joined: Sun Nov 04, 2012 1:09 pm
Location: Miami, Florida

Postby miamiestabuyers » Mon Nov 05, 2012 10:26 pm

Good advice! I will call in rather than apply online. I got there pre-approved letters in my business mailbox so I'm glad asked before I filled it out. Thanks!


SignHere
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Postby SignHere » Mon Nov 05, 2012 10:30 pm

I think if you app'd for a personal Gold you might have a chance to get backdating, but I don't think they would backdate a business card to a personal account.
Amex PR Gold - NPSL (Daily) [8/2012]
Amex Zync - NPSL (Ex-Daily) [10/2010]
Amex BCE - 19.2k [8/2012]
Chase Freedom Visa - 5k [8/2012]
PSECU Visa/PSL - 20k [9/2012]

Money card
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Postby Money card » Wed Nov 07, 2012 8:49 pm

sign here is absolutely correct. because your green card was a personal card that you applied for, where as the if you were to be approved for a gold business there considered 2 different types of cards. 1 was a personal and the other a company card.

when my dad had his gold card in the in the 60's later on in life in the 80's his company gave him a green corporate card the membership dates were totally different.

miamiestabuyers
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Joined: Sun Nov 04, 2012 1:09 pm
Location: Miami, Florida

Postby miamiestabuyers » Thu Nov 08, 2012 8:45 pm

Thanks a lot sign here and money card! Now if can only get all those inquiries off my record than I'd really get somewhere! I'm ashamed to say I have about 16 on record. :(



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