MasConcepts Incorporated

Over 30 years ago, I declared bankruptcy with an AMEX balance of $1,500. I received an invitation to apply for their Blue card. I read from many online sources that American Express doesn’t forgive and I would not be approved even with a FICO score of 850 (not bragging, it is true) and $160K income. I called them and they confirmed that I still have an outstanding balance. I went back to their website where they give you a decision without causing a hard inquiry on your credit report. The decision was positive. I decided to pursue and I was approved for a $10K credit limit. Interestingly enough, my card arrived mentioning I have been a customer since 1992. I thought to pass this along in case someone was in a similar quandary.