- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Many years ago, and it's not a coincidence that the charge off was about to be past the statute of limitations, I got a letter from Amex telling me they would allow me to pay a certain percentage of the charge off, and that if I did, it would "improve your standing with us" or something to that effect.
I thought well I'm already a slimeball who screwed you and got the debt charged off so how could that really help. I didn't take it seriously that it would help my standing with them. I mean let's face it when you burn them you burn them.
But then they did not offer me an Optima either. I would say take it, if you want to do business with them again. You might get back in without doing it, but even if you do, there is no telling when you'll be off the blacklist, and if you do you may go through what I did and be "on probation" in effect for a year with no CLIs and watched extra close for a while. If you can build back that bridge, and it's only 700 dollars that you can comfortably afford, I'd say go for it.