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ericgunit

Strange Thing Happenned with AMEX

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My wife and I filed BK7 in 2009 and are a year away from the ten year mark. My DW was able to secure a card with them about 3 years ago (Blue cash), however, I am completely blacklisted. I have tried several times over the years but I get the generic response that my accounts were closed Blah, Blah, Blah and no hard pull.

 

My DW decided to go for another card after an offer came in the mail for a the Delta basic card. She again was approved for $2700. She then tried to add me in as the co which was approved initially. I even checked the status a few times and it said approved. A day later all of my old AMEX IIB entries that since have been deleted showed up on all of my reports which I though was great because I thought it would help with age but since then they were removed again.

 

I also received a letter in the mail that the co-applicant application was denied. What is going on??? We both had cards that we IIB'd where she was the main and me the co and vice versa.

Edited by ericgunit

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My wife and I filed BK7 in 2009 and are a year away from the ten year mark. My DW was able to secure a card with them about 3 years ago (Blue cash), however, I am completely blacklisted. I have tried several times over the years but I get the generic response that my accounts were closed Blah, Blah, Blah and no hard pull.

 

My DW decided to go for another card after an offer came in the mail for a the Delta basic card. She again was approved for $2700. She then tried to add me in as the co which was approved initially. I even checked the status a few times and it said approved. A day later all of my old AMEX IIB entries that since have been deleted showed up on all of my reports which I though was great because I thought it would help with age but since then they were removed again.

 

I also received a letter in the mail that the co-applicant application was denied. What is going on??? We both had cards that we IIB'd where she was the main and me the co and vice versa.

 

If you are blacklisted from AMEX but your wife slipped through, why on earth would you try to get added as an AU on her AMEX accounts? Don't look a gift horse in the mouth.

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How much did Amex have to eat on cards that were hers vs. yours? If you don't want to post numbers, just a characterization.

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My wife and I filed BK7 in 2009 and are a year away from the ten year mark. My DW was able to secure a card with them about 3 years ago (Blue cash), however, I am completely blacklisted. I have tried several times over the years but I get the generic response that my accounts were closed Blah, Blah, Blah and no hard pull.

 

My DW decided to go for another card after an offer came in the mail for a the Delta basic card. She again was approved for $2700. She then tried to add me in as the co which was approved initially. I even checked the status a few times and it said approved. A day later all of my old AMEX IIB entries that since have been deleted showed up on all of my reports which I though was great because I thought it would help with age but since then they were removed again.

 

I also received a letter in the mail that the co-applicant application was denied. What is going on??? We both had cards that we IIB'd where she was the main and me the co and vice versa.

 

If you are blacklisted from AMEX but your wife slipped through, why on earth would you try to get added as an AU on her AMEX accounts? Don't look a gift horse in the mouth.

 

 

Not a pressing issue. I do not plan on calling and messing it up for her. She's in. Just trying to see if I could slip through and get the age unless I am not accurate on my understanding of the age portion.

Edited by ericgunit

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My wife and I filed BK7 in 2009 and are a year away from the ten year mark. My DW was able to secure a card with them about 3 years ago (Blue cash), however, I am completely blacklisted. I have tried several times over the years but I get the generic response that my accounts were closed Blah, Blah, Blah and no hard pull.

 

My DW decided to go for another card after an offer came in the mail for a the Delta basic card. She again was approved for $2700. She then tried to add me in as the co which was approved initially. I even checked the status a few times and it said approved. A day later all of my old AMEX IIB entries that since have been deleted showed up on all of my reports which I though was great because I thought it would help with age but since then they were removed again.

 

I also received a letter in the mail that the co-applicant application was denied. What is going on??? We both had cards that we IIB'd where she was the main and me the co and vice versa.

 

If you are blacklisted from AMEX but your wife slipped through, why on earth would you try to get added as an AU on her AMEX accounts? Don't look a gift horse in the mouth.

 

 

about the same. We each IIB'd in the range of 5-7K

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Your experience is the norm. Your spouse's experience is the rare exception.

Many former cardholders are well past a BK or charge off [less than yours] a decade ago and AMEX still wouldn't give them candy on Halloween.

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You don't get age anymore. AX discontinued the aging a couple of years ago already.

 

Cool I must of missed that info. Thanks for letting me know.

Edited by ericgunit

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You'll be lucky if her cards aren't closed shortly.

 

I was BL'd years ago and my wife got a card and I was added at AU and 2 weeks later her card was mysteriously closed.

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You'll be lucky if her cards aren't closed shortly.

 

I was BL'd years ago and my wife got a card and I was added at AU and 2 weeks later her card was mysteriously closed.

Sorry, do you really think that's mysterious?

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You'll be lucky if her cards aren't closed shortly.

I was BL'd years ago and my wife got a card and I was added at AU and 2 weeks later her card was mysteriously closed.

My Dad burned AMEX for $150K in the 90s. My brother has a BK on his reports. As much as I'd like to add them as AUs and rack up bonuses and AMEX Offers, I would never even think about doing it.

 

Same reason I wouldn't sponsor my brother for NFCU. Even when NFCU changed membership criteria to include veterans (which he is) I still wouldn't send my brother a referral for the $50. Not worth the potential unintended consequences.

Edited by Konrad2012

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You'll be lucky if her cards aren't closed shortly.

 

I was BL'd years ago and my wife got a card and I was added at AU and 2 weeks later her card was mysteriously closed.

 

She tried to add me on her 1st card and that was 3 years ago. I am good to go now. No need to stir that pot anymore. I can live without them, especially knowing now the age thing is no longer.

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... for $150K ...

 

That's a big one.

That's what she said.

On the flip side, I added my Pops as an AU on several of my wife's cards (Barclays, Cap 1 and a couple others). We have the same name, so I actually kept and used the cards for MS. Kept the utilization off my reports and was part of my overall strategy to beat Chase's 5/24.

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I'm blacklisted from AMEX after burning them about 10 years ago. They told me that if I pay off the charged-off balance, they will give me new cards.

I have no plans to do that. Spouse hasn't tried to app for AMEX in a while (like 2 years with zero credit score). Scores are 761 - 787 - 784 now.

Edited by creditrecovery

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I'm blacklisted from AMEX after burning them about 10 years ago. They told me that if I pay off the charged-off balance, they will give me new cards.

I have no plans to do that. Spouse hasn't tried to app for AMEX in a while (like 2 years with zero credit score). Scores are 761 - 787 - 784 now.

Did your SO burn them? If not, they're golden. Edited by Konrad2012

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