Is anyone who ever had an Amex card in the "internal" system @ AMEX? How do you get off their blacklist with out re-paying an old debt??<<there must be a way>> Had BK over Ten years a go, no way I am repaying back 30k just to get an AMEX. Their internal system must violate some law with respect to privacy and or credit reporting, even though they can't report it to External bureau, they are, in effect acting as a credit bureau by maintaining such a databsae. No other creditor does this.
MANY CREDIT CARD COMPANIES HAVE A "BLACK LIST"... They NEVER let you "BURN" them twice!!!! Perfectly legal.
Other creditors do in fact do it. I am on citibanks blacklist. They wont even pull a credit report when I apply. They just send me a denial based on past history with their company. I have tried to pay them off but they refuse to accept it and I stay on their blacklist.
You've breached the contract you've signed with them, caused them more than $30,000 of damage, and now you think you have a God-given right to borrow their money again? You'll have to look elsewhere. Try Citi or USAA. Saar
They are a private corporation. They can serve who they want and set their own standards, internally. They are not the post office - so to speak.... 30K - you might try Diners Club - which is actually easy to get if you have Citi - anything cya dogman
I was turned down for diners club, citi remembered me from 1989. No sense bothering them for another decade.
Gee, how odd that they won't accept payment for a past due account. :-/... I'd send a check in and see what happens. Then I'd wait a year and apply again. The credit dept. is 1-301-733-5501. I got a Citi card in March even though I am on their blacklist (I paid my debt a few years ago) by asking for a re-evaluation from their credit dept. I applied again in late March, asked for another re-evaluation due to the blacklist, got denied again b/c the same balance was showing on two different cards (BT lag on credit reports), and then got approved in June when I faxed an updated credit report. They keep your record for 90 days. Now, I'm at double my initial credit limit and have a brand new 3.9% BT APR for 9 months. Citi has been very easy to work with in my own experience.
It's not against any law for any one or company to keep an internal record of people's transactions with them. If you lent someone money which they had promised to pay back to you, but then bolted - you'd put them on your personal "blacklist, too". So would I. Second chances are great, but demanding them without even attempting to make a good faith effort to repay the debt is plain presumptuous and frankly immoral. This is not true. Citibank does it. Associates does it. First Consumers National Bank does it.
Hey Saar!! AND of course, we want that Card revolving for $30K at 9.9% FIXED with no fees. I hope this email finds you in good health - dogman
Marci I settled an old balance from 1994 in 1998. I paid about 60cents on the dollar. In february of this year I wrote to citi through planet feedback offering to pay off the settled amount. I got an email back with a phone number to call. The person I talked to pulled my account by social security number and then told me that they would not accept payment as the account had been settled. Now when I apply they dont even pull my bureau they just send me a turn down based on prior history with them. My wife who was an authorized user on the old c/o recently got an aadvantage 9k and a universal 11k.
I think a lot of the replies to the poster were a bit harsh.It was this persons first post and you jumped all over said poster.Let he who is without sin,be the the one to cast the first stonePLEEEEEASSSEE!!!!!!!
Thanks for all the info., actually it was not my intent to "damage" AMEX or anyone else, I had multiple accounts with AMEX and had to file<a7> due to a severe problem with a commercial real estate venture, I was facing 40 years of judgements or 10 years with a 7, I chose the obvious. I was always a fanatic about paying my bills, but some things just can not be overcome. The debts were legallly discharged and I certainly don't feel bad for AMEX, they write it off their taxes, so I doubt they were "damaged" too much. The only reason I inquire about Amex now, is they have some nice features, always did, however, I have lived with out them for 10 + years and will continue to do so, I have 5 Platinum Cards, Visas, MC's and Discover's, among others and my credit is now "flawless", srangely one of the cards I now hold, is from a Discharged creditor, I owed them about 10k, if they do keep internal records I guess they want to recoup some money off this new account. FYI, Discover was the only company that allowed me to re-affirm my debt while in BK, I will always use Discover the most, they helped me out tremendously while AMEX wouldn't even discuss the matter, so LOL Amex, you'll never recoup any money, in any way, shape or form.
Hmmmmmmm.....ARE YOU SURE???? ____________________________________________________________________ Discover & AmEx may merge http://consumers.creditnet.com/stra...stid=62544&highlight=discover+merge#post62544 _ PsychDoc | 49 posts since Jun 2001 24.181.88.153 _ | _ 06.11.2001 @ 22:06 Looks like AmEx and Discover parent Morgan-Stanley are in serious talks with both having a compelling motive for merger: Click here for today's CNNfn's story. http://cnnfn.cnn.com/2001/06/11/deals/morgan/ Doc _____________________________________________________________________