And finally (if there ever was a point to this other than, originally, to sound out my argument that AMEX was perhaps violating some credit laws by denying me credit based on something well over seven years old that is now uncollectible), the reason I'd like an AMEX Plat back is to maintain SPG Gold Status automatically for the upgraded hotel suites. I don't stay in enough SPG hotels to always qualify on my own.
I didn't DELIBERATELY ruin my credit back then - as in, something happened to my financial situation (since more than rectified) that eliminated my ability to pay off my credit card debt. Otherwise, believe me, I'd have paid off the quarter million to AMEX and the other three quarter mill to the others in a heartbeat at that time if I could have. But once my credit was ruined, I saw no point in paying anything and figured that eventually my credit would come back anyway, which it has! And for whatever reason, I ended up, today, with not a penny of collectible debt against me - the few judgments they managed to get have now expired worthless and were not renewed, the last one expiring late last year. Which is why I think it is STUPID that people file bankruptcy over unsecured debt. I never filed and never lost anything.
The Great American Dream! relived.
I have no intention of doing anything to jeopardize my credit and am paying all of my cards / credit lines on time, in full each month. My credit score is over 800 now, and I intend to keep it that way.