- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
I'm sorry they declined you twice like that. I would say maybe in your case if you get them a bit of time they would come around. Clearly in my case when they cite the "previous delinquency" it's not a matter of internal risk score but the fact I burned them but I think with time at least you could lower that internal risk score and get what you would like.
But I do hear you and certainly do understand giving the swipes to lenders who seem to want your business. And I can agree about Crap One if it's not suiting your current needs and profile and they refuse to show any inclination to do so.
Me, I don't plan to close the revolvers, mostly to be honest just due to backdating - if the cards weren't backdated, I likely would just move on, though I would keep the charge card. The two revolvers are not currently in my wallet they are literally on top of the sock drawer. But I have no intention of closing them in the near future despite it looking like they are locked at 2k for all eternity due to the backdating I like the effect on my score enough to PC them to the no-fee version and make a small purchase every 6 months or so to keep them active. That is for me, not for Amex. I'm not at all bitter though; I did burn them and hence, I can't blame them, though I burned Chase for way more and they gave me a higher starting limit than the two Amex revolvers combined. But Amex is a lender with a long blacklisting memory, and some don't get off that list even after decades on it, and it's honestly hard for me to blame them. They have to do what they feel is best for their business, and I have to do what I feel is best for me.
Maybe one day they'll loosen up, but in the meantime I'm going to concentrate the swipes on lenders who the relationship is not soured with. Just makes sense.
Hopefully over time they loosen up a bit with you too.