Amex "black" List

Discussion in 'Credit Talk' started by SCHOLR, Jun 29, 2001.


    SCHOLR Well-Known Member

    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.

    GEORGE Well-Known Member


    They NEVER let you "BURN" them twice!!!!
    Perfectly legal.
  3. eddie

    eddie Well-Known Member

    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.
  4. Saar

    Saar Banned

    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.

  5. dogman

    dogman Well-Known Member

    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
  6. amaineman

    amaineman Well-Known Member

    I was turned down for diners club, citi remembered me from 1989. No sense bothering them for another decade.
  7. judyputy

    judyputy Well-Known Member

    AMEN!! SAAR!!
  8. marci

    marci Well-Known Member

    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.
  9. marci

    marci Well-Known Member

    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.
  10. dogman

    dogman Well-Known Member

    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
  11. eddie

    eddie Well-Known Member

    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.
  12. brad

    brad Well-Known Member

    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!!!!!!!
  13. SCHOLR

    SCHOLR Well-Known Member

    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


    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.
  14. Surphie

    Surphie Well-Known Member

    Hmmmmmmm.....ARE YOU SURE????

    Discover & AmEx may merge
    PsychDoc | 49 posts since Jun 2001 _ | _ 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.


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