- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Amex for sure does have a blacklist - I was on it as early as last year. If you are declined by Amex and they do not pull your credit and the reason they give for the decline is something to the effect of "your past account(s) were closed by American Express" that means you are on their blacklist.
Even if they let you back in, don't think they forgot. I have 3 of their cards and my 61 day CLIs were denied because of "past delinquencies". Yep, they still remember me.
Chase likewise is known to blacklist. They also let me back and denied a CLI because of past charge offs. Again they may decide they want to do business with you, but they didn't forget and they will protect themselves. Hard to blame them, but that's how it goes.
BofA is also known to remember, and I've read accounts of Citi remembering charge offs from the 80s. Discover will blacklist you and tell you that you can "never" have another Discover account but 20 years seems to be enough time for them to open the door again (maybe less that's just how long it was for me).
Bottom line here: even if they let you back in, you probably won't ever get really high limits with them again once you burn them, you might get over the bridge if you walk but don't expect to drive in, it may never be fully repaired. Or may, it's always always always YMMV, but don't count on it. Realistically you are better off to go with lenders you haven't burned before. That's my experience on it.