Even though I have an 824 score now
and my combined unsecured credit card lines now top $325,000., not even including unsecured credit lines, I'm still apparently on AMEX's black list even some 14 years after the events in question.
I got a call from AMEX inviting me to get a business charge card with them. At one time I had a special corporate business card with them with NO personal guarantor that had a just under seven hundred fifty thousand dollar line, with ability to charge even more with approval, and I never abused that corporate card at all, was always paid off on time. But, as noted above, my personal cards ended up leaving AMEX owed a couple hundred fifty K, and then when that happened they cancelled my corporate card too.
Anyway, I listened through the entire phone spiel and went through the application, took about half an hour, until finally at the end, DENIED. I clicked on the letter and saw the standard "in as much as your prior AMEX accounts were cancelled" spiel, so I doubt my credit was even run, just denied out of hand. Just for the H. of it I will appeal, especially asking them why they called ME just to waste my time, and see what happens. But every creditor I can think of out there has extended me credit now except AMEX. They apparently have a long memory.