Thread: Dear American Express

American Express
Post Office Box 981540
El Paso, TX 79998-1540

Dear American Express:

Thank you for your recent consideration and reconsideration of my application for a Gold Delta SkyMiles Credit Card from American Express. I appreciate the opportunity to respond to your recent letter.

I regret your decision to reject my application due to the unfortunate judgment on my Experian credit report. I also must confess I am somewhat perplexed by your decision. Oddly enough, since that public record appeared on my report, Discover has increased my credit limit. Twice. I have been approved for credit cards by Barclay's for their Holland America Visa and by Bloomingdale's. Moreover, I have also opened a Custom Credit Line with Citibank. None of these companies seem to have a problem with the aforementioned black mark, I wonder why American Express does. I could understand if American Express was still the premier charge/credit card company it once was, being a more prestigious card in the past could afford you the luxury of being more selective of your applicants. Now, however, Mastercard, Visa and Discover have high-end products that easily compete with most anything offered by American Express. However confused I may be, I accept your decision.

Thank you again for your consideration. I shall happily continue to do business with those companies who have put their faith in me.

Sincerely,

"randeman"

Hope this doesn't come across as "sour grapes."

That's totally sour grapes!

"I could understand if American Express was still the premier charge/credit card company it once was..."

Classic!

you think they might see the fact that you are applying and recieving all of these other credit cards and increases in limits as a cause of concern and therefore believe that you may not be the type of customer that they want?

I understand what you are trying to do providing examples of other CC companies disregarding a blemish on your credit profile but AMEX is different and responding in such a manner is most likely going to get you blacklisted. Maybe not though, but it certainly wont solve your problem of being declined.

Just my opinion. Let us kno if you get an interesting response

It is sour grapes - if you truly don't want to do business with them, why would you CARE if they blacklist you? What difference would it make? And even if they do, believe me I speak from expeirence here, they still soft pull the living hell out of you, at LEAST two times every month without fail and often more than that. I had bill collectors who didn't pull more than they do,

If it makes you feel better go for it, but yeah it's sour grapes for sure. I will agree they have gone downhill, in terms of customer service. And I question their sanity based on the behavior I've seen but then I question my own so what the heck. But it is sour grapes and won't get you in with them. Just move on and use your new accounts. I don't really see the attraction anyway given the direction they have gone. I don't think you're missing much. I'd rather be in with Chase than Amex any day.

Originally Posted by Rory

you think they might see the fact that you are applying and recieving all of these other credit cards and increases in limits as a cause of concern and therefore believe that you may not be the type of customer that they want?

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

Originally Posted by MemberSince99

if you truly don't want to do business with them, why would you CARE if they blacklist you

Well, I actually don't care. I didn't mention anything about blacklisting...and don't really care that much about Amex per se. I applied because I wanted the Delta benefits.

Moreover, I would find it terribly amusing if I were blacklisted because I hurt their widdle feewings. At the end of the day, it wouldn't really matter, but it would be funny.