Should I apply for an American Express credit card?
Guest: english rose
Post subject: Should I apply for an American Express credit card?
Posted: Fri Mar 31, 2006 12:18 pm
i defaulted on a green amex card some 10 yrs or more ago. anyone know how long you stay on the black list. i applied for a card recently and was told that i had a card before with a balance left on it. Is it any use trying to pay a token payment to them to close this off their list? if i did this then would this set me back from getting a card and if so for how long. This account is no longer even showing on my credit file.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: JoyJoy
Posted: Fri Mar 31, 2006 12:24 pm
Do you know anyone who has an Amex card who would allow you to become an authorizer user on their card?
The Statue of Limitations has passed on that old Amex card. Some say go back and pay it and some say you will stir up old charges by paying the balance and that you will cause the Statue of Limitations to start again. Amex have charged it off as a bad debt.
_________________
J~J
"You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: english rose
Posted: Fri Mar 31, 2006 12:41 pm
JoyJoy wrote:
Do you know anyone who has an Amex card who would allow you to become an authorizer user on their card?
The Statue of Limitations has passed on that old Amex card. Some say go back and pay it and some say you will stir up old charges by paying the balance and that you will cause the Statue of Limitations to start again. Amex have charged it off as a bad debt.
no no i know its been charged off which is the point, amex doesnt report it to the burreaus any longer, but when you apply they know on their internal systems that you have defaulted on an old card and they decline you again. so unless you get off their INTERNAL black list you never will get another card from american express. any idea how long this list hangs around within amex?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Fri Mar 31, 2006 5:58 pm
I'm close to 10 yrs post problems with AMEX.....
I have asked this same question because I want another one.
I have heard 20 years from others on this board.
I have just received a discover card...so there blacklist isnt even 10 years long...
_________________
Average FICO score: 709
56 Months of perfection!
I'm bored
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Should I apply for an American Express credit card?
Posted: Fri Mar 31, 2006 12:18 pm
i defaulted on a green amex card some 10 yrs or more ago. anyone know how long you stay on the black list. i applied for a card recently and was told that i had a card before with a balance left on it. Is it any use trying to pay a token payment to them to close this off their list? if i did this then would this set me back from getting a card and if so for how long. This account is no longer even showing on my credit file.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: JoyJoy
Posted: Fri Mar 31, 2006 12:24 pm
Do you know anyone who has an Amex card who would allow you to become an authorizer user on their card?
The Statue of Limitations has passed on that old Amex card. Some say go back and pay it and some say you will stir up old charges by paying the balance and that you will cause the Statue of Limitations to start again. Amex have charged it off as a bad debt.
_________________
J~J
"You may never know what results come from your action. But if you do nothing, there will be no result." Mahatma Gandhi
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: english rose
Posted: Fri Mar 31, 2006 12:41 pm
JoyJoy wrote:
Do you know anyone who has an Amex card who would allow you to become an authorizer user on their card?
The Statue of Limitations has passed on that old Amex card. Some say go back and pay it and some say you will stir up old charges by paying the balance and that you will cause the Statue of Limitations to start again. Amex have charged it off as a bad debt.
no no i know its been charged off which is the point, amex doesnt report it to the burreaus any longer, but when you apply they know on their internal systems that you have defaulted on an old card and they decline you again. so unless you get off their INTERNAL black list you never will get another card from american express. any idea how long this list hangs around within amex?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: TomfromCT
Credit Expert (100+ Posts)
Posted: Fri Mar 31, 2006 5:58 pm
I'm close to 10 yrs post problems with AMEX.....
I have asked this same question because I want another one.
I have heard 20 years from others on this board.
I have just received a discover card...so there blacklist isnt even 10 years long...
_________________
Average FICO score: 709
56 Months of perfection!
I'm bored
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 7:25 PM
0 Comments:
Post a Comment
<< Home