That's a good thing. I need them to take a look at all my assets to approve me for cards, not just my credit score - which is crap. Having no debt and having some assets is great, but does not make my credit score look as good as having car payments and house payments paid on time. I have no interest in getting a new car just for this purpose.
SteveT wrote:Amex is taking a more pragmatic look at their review process. It used to be if your score dropped they would act. Now they take the time to analyze your credit profile. They obviously concluded that your collection was an isolated incident.