- Centurion Member
- Posts: 188
- Joined: Tue Jan 10, 2012 7:11 pm
- Location: New York, NY
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.
Hope this doesn't come across as "sour grapes."
Cards and Credit lines Acquired:
Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).