Amex Blacklisted from 20 years ago BK

[nyrfann]

Well that was a waste of time, here is the reply from Amex:

 

 

Dear Mr. X,

Thank you for your message to the Executive Office. After review, I have been asked to respond to you and I welcome this opportunity to be of assistance.

We appreciate your interest in obtaining a new American Express Account. During the application process, our New Accounts Division must follow certain guidelines to determine eligibility for various Card products. They will review credit bureau information, personal resources and the status of the applicant’s current/former American Express Account. If any of the above information reflects unfavorably, an application will be declined.

For additional information on how to obtain an American Express Card account, I would recommend that you contact 800-700-7619.

Mr. X, we appreciate your understanding and thank you for contacting American Express.

Sincerely,
Tricia-Ann Polack
American Express Executive Customer Care

 

Calling the 800 # does not good as my SS # is blacklisted so it never makes it to a credit review process. Oh well, certainly not the end of the world.

Edited November 7, 2014 by nyrfann

[nyny12]

that was the same number

 

Well that was a waste of time, here is the reply from Amex:

 

 

Dear Mr. X,

Thank you for your message to the Executive Office. After review, I have been asked to respond to you and I welcome this opportunity to be of assistance.

We appreciate your interest in obtaining a new American Express Account. During the application process, our New Accounts Division must follow certain guidelines to determine eligibility for various Card products. They will review credit bureau information, personal resources and the status of the applicant’s current/former American Express Account. If any of the above information reflects unfavorably, an application will be declined.

For additional information on how to obtain an American Express Card account, I would recommend that you contact 800-700-7619.

Mr. X, we appreciate your understanding and thank you for contacting American Express.

Sincerely,
Tricia-Ann Polack
American Express Executive Customer Care

 

Calling the 800 # does not good as my SS # is blacklisted so it never makes it to a credit review process. Oh well, certainly not the end of the world.

that was the same number i called,no go

 

thank you for the update

[backtobusiness]

I burned Amex in my BK for $500.00. Applied just to see if I am BL'd, and indeed I am, but I have done the app twice and in both occasions they suggested that I get the bluebird card.

Edited November 8, 2014 by backtobusiness

[PotO]

There are some who do slip through the cracks. I wonder how the heck that works.

[Rogue]

 

You might get an offer for the Oasis program. You never know.

 

Of course that would mean paying off the old accounts.

Don't want them that bad, lol!

 

Joe, not surprised by your AMEX rejection letter, they are strictly pay to play if you ever included them in BK. So how much are we talking here?

 

Maybe have the wife get a card and try to add you as an AU?

Edited November 8, 2014 by Rogue

[Menta33]

For an AU add of someone who IIB Amex, I think it takes at least 8 years.

[CTSoxFan]

For an AU add of someone who IIB Amex, I think it takes at least 8 years.

 

If you IIB Amex, they don't allow you to get another card OR be an AU. Period. Some people slip through the cracks, but that is the policy. Doesn't matter how long ago the IIB was.

 

NYRfann - I did the same thing around a year ago. Got the same responses. Sent letters, made several calls, talked to several people, denied for card or AU.

Edited November 8, 2014 by CTSoxFan

[Menta33]

 

For an AU add of someone who IIB Amex, I think it takes at least 8 years.

 

If you IIB Amex, they don't allow you to get another card OR be an AU. Period. Some people slip through the cracks, but that is the policy. Doesn't matter how long ago the IIB was.

 

NYRfann - I did the same thing around a year ago. Got the same responses. Sent letters, made several calls, talked to several people, denied for card or AU.

 

 

So perhaps the way around is to get a corporate card guaranteed by the company with the account? This is one way I may differ from others, perhaps someone else could test this hypothesis?

[nyny12]

 

 

For an AU add of someone who IIB Amex, I think it takes at least 8 years.

 

If you IIB Amex, they don't allow you to get another card OR be an AU. Period. Some people slip through the cracks, but that is the policy. Doesn't matter how long ago the IIB was.

 

NYRfann - I did the same thing around a year ago. Got the same responses. Sent letters, made several calls, talked to several people, denied for card or AU.

 

 

So perhaps the way around is to get a corporate card guaranteed by the company with the account? This is one way I may differ from others, perhaps someone else could test this hypothesis?

 

 

 

funny you said that, i did try to get a corp card no go. ss comes up

[PotO]

 

 

 

For an AU add of someone who IIB Amex, I think it takes at least 8 years.

 

If you IIB Amex, they don't allow you to get another card OR be an AU. Period. Some people slip through the cracks, but that is the policy. Doesn't matter how long ago the IIB was.

 

NYRfann - I did the same thing around a year ago. Got the same responses. Sent letters, made several calls, talked to several people, denied for card or AU.

So perhaps the way around is to get a corporate card guaranteed by the company with the account? This is one way I may differ from others, perhaps someone else could test this hypothesis?

 

funny you said that, i did try to get a corp card no go. ss comes up

Sometimes it will work. Not sure why and not sure how, but some companies can make it work.

[Menta33]

 

 

 

For an AU add of someone who IIB Amex, I think it takes at least 8 years.

 

If you IIB Amex, they don't allow you to get another card OR be an AU. Period. Some people slip through the cracks, but that is the policy. Doesn't matter how long ago the IIB was.

 

NYRfann - I did the same thing around a year ago. Got the same responses. Sent letters, made several calls, talked to several people, denied for card or AU.

 

 

So perhaps the way around is to get a corporate card guaranteed by the company with the account? This is one way I may differ from others, perhaps someone else could test this hypothesis?

 

 

 

funny you said that, i did try to get a corp card no go. ss comes up

 

 

You have to get the company of the corporate card to guarantee your card and then you get one.

[hegemony]

http://creditboards.com/forums/index.php?showtopic=435699

[CTSoxFan]

 

 

For an AU add of someone who IIB Amex, I think it takes at least 8 years.

 

If you IIB Amex, they don't allow you to get another card OR be an AU. Period. Some people slip through the cracks, but that is the policy. Doesn't matter how long ago the IIB was.

 

NYRfann - I did the same thing around a year ago. Got the same responses. Sent letters, made several calls, talked to several people, denied for card or AU.

 

 

So perhaps the way around is to get a corporate card guaranteed by the company with the account? This is one way I may differ from others, perhaps someone else could test this hypothesis?

 

 

I have a Corp backed Amex card. No go for me.

[chugs102]

Don't feel bad. I will be forever on their BL as well.

 

Burned them for over $5K in my BK and it's certainly not worth it to pay to get back in with them.

 

 

Not sure if it's true, but one of their underwriters told me that if the amount is less than $10K, you won't be blacklisted forever.

[sexonthebeach]

I burned them for $900 , applied for the green card and I got it with an HP

Denied because of BK

I'll pay them if they take

Edited November 10, 2014 by sexonthebeach

[tmkats]

 

Don't feel bad. I will be forever on their BL as well.

 

Burned them for over $5K in my BK and it's certainly not worth it to pay to get back in with them.

 

 

Not sure if it's true, but one of their underwriters told me that if the amount is less than $10K, you won't be blacklisted forever.

 

 

Well, that's some consolation.

 

I'll try back in 10 years and let everyone now….LOL.

[Menta33]

 

Don't feel bad. I will be forever on their BL as well.

 

Burned them for over $5K in my BK and it's certainly not worth it to pay to get back in with them.

 

 

Not sure if it's true, but one of their underwriters told me that if the amount is less than $10K, you won't be blacklisted forever.

 

 

I'm pretty sure mine was for around $20K in 1994.

[Menta33]

I don't understand why they made an exception for me, I know they have record of it still because they have mentioned it during phone calls after I got an AU account.

[Mustard on Fries]

I'll probably test these waters in the next year or so. I had an Amex corporate, as well as a business platinum. Had them for years and years with no problems. My company started having financial trouble, & I was late on one or two payments. They took both cards away, and gave me an Optima. I had the Optima for a few months, when they closed it for no apparent reason. It still had about a thousand dollars left to be paid, that was in 2008. I figure I'll try them in a year or two when my reports are better suited for Amex.

[sunshyn5]

What if they were included in a chapter 13 and was paid back, will they still BL and/or not approve for new?

 

Sent from my SGH-T889 using Tapatalk

[PotO]

What if they were included in a chapter 13 and was paid back, will they still BL and/or not approve for new?

Sent from my SGH-T889 using Tapatalk

If they suffered no loss, you should be ok.

[nyny12]

Update for the last time with amex, i called recon one more time on 11-14, i told the rep i had a included amex 20 years ago in my filing, is there any hope in getting back with amex, the rep said Absolutely never, once amex is included in a bk you can never coming back,. time to move on ......

[CTSoxFan]

Update for the last time with amex, i called recon one more time on 11-14, i told the rep i had a included amex 20 years ago in my filing, is there any hope in getting back with amex, the rep said Absolutely never, once amex is included in a bk you can never coming back,. time to move on ......

 

That is not 100% true..there are people here who have gotten back after BK. Generally speaking if it was less than 10K you've got a shot, although success rates aren't great. Success rates are much lower approaching nil if the amount is over 10K.

[nyny12]

 

Update for the last time with amex, i called recon one more time on 11-14, i told the rep i had a included amex 20 years ago in my filing, is there any hope in getting back with amex, the rep said Absolutely never, once amex is included in a bk you can never coming back,. time to move on ......

 

That is not 100% true..there are people here who have gotten back after BK. Generally speaking if it was less than 10K you've got a shot, although success rates aren't great. Success rates are much lower approaching nil if the amount is over 10K.

Hopefully some cb members can post on how long it took to get back in, mine was 14k included in bk

[CTSoxFan]

 

 

Update for the last time with amex, i called recon one more time on 11-14, i told the rep i had a included amex 20 years ago in my filing, is there any hope in getting back with amex, the rep said Absolutely never, once amex is included in a bk you can never coming back,. time to move on ......

 

That is not 100% true..there are people here who have gotten back after BK. Generally speaking if it was less than 10K you've got a shot, although success rates aren't great. Success rates are much lower approaching nil if the amount is over 10K.

 

Hopefully some cb members can post on how long it took to get back in, mine was 14k included in bk

 

Mine was around 12k about 12 years ago and no luck. Have even written letters to the top to try to get just an AU and was denied.

Edited November 15, 2014 by CTSoxFan