Amex Blacklist after Amex IIB

[Jeffster]

I filed Chapter 13 in April 2017 and got my discharge in early January 2021. I included two Amex in my BK. I read a lot about the Amex blacklist but tested the waters a few times by accessing the pre-qualification page. I always…unsurprisingly…came up with instant NOTHING. 

 

I was bored this past weekend and accessed the pre-qual page again. It came back saying I was pre-qualified for the Amex Gold card. Knowing that if I’m blacklisted, they wouldn’t even pull a CR, I applied. They pulled TU and came back with a denial.

 

I called today for a reason, and was told that it wasn’t a denial. My app was “cancelled” because they needed a 4506-C from me, which they were going to request in a letter to be coming my way. I figured I had gone this far, so I submitted the 4506-C right away. I had time to kill and it really took no time at all.

 

I know if I were blacklisted, they wouldn’t have pulled my CR, and they certainly wouldn’t have asked for the 4506-C. Even if denied, at least I know now that whatever they deny me for is something that will correct itself quicker than the blacklist would have lasted. 
 

I wonder what the chances are of being approved after they request a 4506-C.

 

 

 

 

 

 

 

[hegemony]

1 hour ago, Jeffster said:

I filed Chapter 13 in April 2017 and got my discharge in early January 2021. I included two Amex in my BK. I read a lot about the Amex blacklist but tested the waters a few times by accessing the pre-qualification page. I always…unsurprisingly…came up with instant NOTHING. 

 

I was bored this past weekend and accessed the pre-qual page again. It came back saying I was pre-qualified for the Amex Gold card. Knowing that if I’m blacklisted, they wouldn’t even pull a CR, I applied. They pulled TU and came back with a denial.

 

I called today for a reason, and was told that it wasn’t a denial. My app was “cancelled” because they needed a 4506-C from me, which they were going to request in a letter to be coming my way. I figured I had gone this far, so I submitted the 4506-C right away. I had time to kill and it really took no time at all.

 

I know if I were blacklisted, they wouldn’t have pulled my CR, and they certainly wouldn’t have asked for the 4506-C. Even if denied, at least I know now that whatever they deny me for is something that will correct itself quicker than the blacklist would have lasted. 
 

I wonder what the chances are of being approved after they request a 4506-C.

 

 

 

 

 

 

 

good luck! it took me >10 years to get back in with amex.

[hdporter]

1 hour ago, Jeffster said:

I wonder what the chances are of being approved after they request a 4506-C.

 

If they were going to deny you for any reason related to past delinquency/IIB, I don't think they would bother with the 4506-C request.

 

I'm inclined to believe that so long as they don't see anything "hinky" with the 4506-C, you'll see an approval.

[Jeffster]

6 hours ago, hdporter said:

 

If they were going to deny you for any reason related to past delinquency/IIB, I don't think they would bother with the 4506-C request.

 

I'm inclined to believe that so long as they don't see anything "hinky" with the 4506-C, you'll see an approval.

Thank you so much. Your advice makes sense. I really was expecting an instant denial and no pull. I only called this morning to find out the reason. I did see it as a positive that they were interested in the 4506-C. 
it really took no time at all to do.

 

My income more than doubled from when I filed Chap 13. I’m thinking that their records flagged that.

 

thank you again. 

[monacho]

I discharged AMEX in a BK back in 2008 to the tune of about $70,000 and they still won't let me back in.  I tried applying for a Delta Amex card because I thought I was going to have to start using Delta a lot more and they wouldn't even pull my credit, just sent an instant denial.

B of A and Chase got burned for more, and both finally let me back in last year.  

 

When my wife tries to add me to her personal Amex account they tell her I am not eligible even as an authorized user.  At one point they dropped her credit limit from $25,000 to $1,000 but that was a few years later.  Right now her limit sits at $2,000.

I have had business accounts with Chase and Amex where she is the guarantor since 2017 and with B of A on a company where I'm the sole owner since 2020, even though neither B of A nor Chase would give me personal cards until last year.

Every other creditor that was IIB that still exists has let me back in much sooner.  

 

My current FICO 8 scores are 809/804/810.

[IndyPoolPlayer]

On 5/23/2022 at 4:05 PM, Jeffster said:

I filed Chapter 13 in April 2017 and got my discharge in early January 2021. I included two Amex in my BK. I read a lot about the Amex blacklist but tested the waters a few times by accessing the pre-qualification page. I always…unsurprisingly…came up with instant NOTHING. 

 

I was bored this past weekend and accessed the pre-qual page again. It came back saying I was pre-qualified for the Amex Gold card. Knowing that if I’m blacklisted, they wouldn’t even pull a CR, I applied. They pulled TU and came back with a denial.

 

I called today for a reason, and was told that it wasn’t a denial. My app was “cancelled” because they needed a 4506-C from me, which they were going to request in a letter to be coming my way. I figured I had gone this far, so I submitted the 4506-C right away. I had time to kill and it really took no time at all.

 

I know if I were blacklisted, they wouldn’t have pulled my CR, and they certainly wouldn’t have asked for the 4506-C. Even if denied, at least I know now that whatever they deny me for is something that will correct itself quicker than the blacklist would have lasted. 
 

I wonder what the chances are of being approved after they request a 4506-C.

 

You did a 13 instead of 7 was this a 100% repayment plan? Did Amex take a loss as a result of the BK (disregarding any waived interest)?

[hdporter]

There are anecdotes on the "other white meat" board that Amex will consider an app for someone who had an Amex discharged in BK, starting at the 5 year mark after filing.  The time frame noted in this thread fits that scenario.

 

Overall discussion is that it's YMMV.  Amount makes a difference.

Edited July 2, 2022 by hdporter

[MP80]

1 hour ago, hdporter said:

Overall discussion is that it's YMMV.  Amount makes a difference.

Apparently, without the POT option, he might have a very small line of credit of $500.

 

The interesting thing about POT a few years ago is that the POT credit limit policy is divided by the tier grade of the credit card, so if you have a Green personal card like me, the POT credit limit is $25,000, while the Gold and Platinum cards are $35,000. Cash advances also are made through a tiered card, mine was $3000, and Gold or Platinum could be $5000 or more.

 

It now appears that these policies are based on a case-by-case basis epitomized on personal data. You might get approved for a Gold or Platinum card and end up with a $1 to $5,000 POT line of credit, which is a crazy way to pay a hefty annual fee without a decent spending option, it's really troublesome, and terrible if you get in trouble like being stranded in the cold.
 

Edited July 2, 2022 by MP80

[Jeffster]

Sorry….I should have come back to update. 

My Amex Gold Card app was approved.
 

Today, I was also approved for the Amex BCE with a SL of 6K. I’m VERY excited to be back in with Amex. 
 

My BK was a 13 which I converted into a 100 percent plan when I found myself in a position to get a DC 1.5 years, earlier. My DC was early January 2021. 
 

I don’t use POT. If there is anything this BK taught me was to be a PIF guy. 

[get.randy]

Congrats. Amex is one of my favorites. Their customer service is awesome, and their rewards are great for my needs.

 

[TeeSharice]

Amex Hilton Honors.  Applied on a whim... instant approval for $18K

Ive burned them BAD twice before, once IIB (filed Sept 2012, discharged April?2013) and once not just closed delinquent

no idea of current scores... they pulled TU so i will check later 

[hegemony]

On 9/10/2022 at 9:48 AM, TeeSharice said:

Amex Hilton Honors.  Applied on a whim... instant approval for $18K

Ive burned them BAD twice before, once IIB (filed Sept 2012, discharged April?2013) and once not just closed delinquent

no idea of current scores... they pulled TU so i will check later 

outstanding!