Dear American Express

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
randeman
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Posts: 188
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Location: New York, NY

Postby randeman » Sat Jan 19, 2013 12:36 am

CC Deville wrote:+1

Just because Discover and Citibank grants someone credit does not mean AMEX has to.



Didn't say they did. Just makes me wonder.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).


DoingHomework
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Location: Arizona

Postby DoingHomework » Sat Jan 19, 2013 9:30 am

randeman wrote:No, because the CSR that I spoke with said that (the judgment) was the only problem he saw.


But a judgment is a BIG problem. It means that you skipped out on a debt to the point that your creditor had to sue you. Then a judge with no skin n the game looked at the facts and determined you were a deadbeat. I understand that you may have cleaned up your act. But the judgment is still there. It means you can't be trusted.

randeman
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Postby randeman » Sat Jan 19, 2013 9:55 am

DoingHomework wrote:But a judgment is a BIG problem. It means that you skipped out on a debt to the point that your creditor had to sue you. Then a judge with no skin n the game looked at the facts and determined you were a deadbeat. I understand that you may have cleaned up your act. But the judgment is still there. It means you can't be trusted.


In the harshest sense, you're quite right. However, there were extenuating circumstances involved with the judgment. Primarily that I was NOT PROPERLY SERVED. I was never, EVER notified with a court date. Had I been properly notified the matter would not have escalated to that point. I didn't even find out that I lost by default until I received notice from a FAKO monitoring site that my credit score had dropped. By that time I had discovered that the debt was, in fact, mine (an old checking account that I had closed before two checks that were being held for a rather long time were presented for payment), all was said and done. My next step is to reopen the court case. Further, while Amex may think I can't be trusted, other companies appear to disagree...and the facts on my CRs, the judgment withstanding, also disagree. But, I get your drift.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

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Cyberius
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Postby Cyberius » Sat Jan 19, 2013 10:58 am

CC Deville wrote:+1

Just because Discover and Citibank grants someone credit does not mean AMEX has to.


All things considered, the fact that all the other banks are approving him and Amex didn't due to the judgement, sort of goes to show that Amex is still slightly more elite than the others. Kind of contradicts himself in the letter by saying that.

silver6054
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Location: boston

Postby silver6054 » Sat Jan 19, 2013 4:18 pm

Cyberius wrote:All things considered, the fact that all the other banks are approving him and Amex didn't due to the judgement, sort of goes to show that Amex is still slightly more elite than the others. Kind of contradicts himself in the letter by saying that.


Don't think it means "more elite", just different underwriting standards. Some people with low scores are able to get Amex cards (especially charge) and get rejected from other issuers for low scores. They just focus on different things, Amex doesn't like the judgement, others apparently place less weight on it.

But yes, the letter does seem to be sour grapes, but if the OP enjoyed writing it, I guess it was a good thing for him/her. It obviously won't change Amex's decision but the claim is that wasn't the desire.

DoingHomework
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Postby DoingHomework » Sat Jan 19, 2013 7:25 pm

Cyberius wrote:All things considered, the fact that all the other banks are approving him and Amex didn't due to the judgement, sort of goes to show that Amex is still slightly more elite than the others. Kind of contradicts himself in the letter by saying that.


Like silver said, not necessarily more elite or better. Just different.

I don't know this for a fact but I suspect, based on things I have heard, that Amex puts a lot more emphasis on payment history and income and much less on score. Things like judgments and stuff even if they are old enough not to appear on a report still matter as does income even though that is not part of score. That's just how it seems to me.

DoingHomework
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Location: Arizona

Postby DoingHomework » Sat Jan 19, 2013 7:30 pm

randeman wrote:In the harshest sense, you're quite right. However, there were extenuating circumstances involved with the judgment. Primarily that I was NOT PROPERLY SERVED. I was never, EVER notified with a court date. Had I been properly notified the matter would not have escalated to that point. I didn't even find out that I lost by default until I received notice from a FAKO monitoring site that my credit score had dropped. By that time I had discovered that the debt was, in fact, mine (an old checking account that I had closed before two checks that were being held for a rather long time were presented for payment), all was said and done. My next step is to reopen the court case. Further, while Amex may think I can't be trusted, other companies appear to disagree...and the facts on my CRs, the judgment withstanding, also disagree. But, I get your drift.


But you had the debt. You wrote the checks.

But look, I'm not trying to beat up on you. You're probably an upstanding citizen now and always were. But as long as that judgment is there you don't look that way to Amex and many others.

Fartanywherecard
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Postby Fartanywherecard » Mon Jan 21, 2013 4:52 pm

If what the OP is saying is true, that a court date occurred and passed without any notification or attempt to contact him, that is scary. Don't they use a collection agency first? It's just strange.

randeman
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Postby randeman » Wed Jan 23, 2013 8:16 am

Fartanywherecard wrote:If what the OP is saying is true, that a court date occurred and passed without any notification or attempt to contact him, that is scary. Don't they use a collection agency first? It's just strange.



What's even stranger is that it never appeared on Chexsystems data base.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).

CC Deville
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Postby CC Deville » Wed Jan 23, 2013 4:09 pm

randeman wrote:What's even stranger is that it never appeared on Chexsystems data base.


What is even more strange is that Amex didn't mention your charged off Amex Green. If anything, you'd think that would be the denial reason.



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