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  1. #1
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    Default 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."
    Cards and Credit lines Acquired:

    Escape by Discover (7.75K), Barclay Holland America Visa (4.8K), Macy's store card (5K), Bloomingdale's store card (2K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (1.6K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (5K), Amazon store card (2.2K), Lord & Taylor store card (500), Nordstrom store card (500), and Gold Delta SkyMiles from American Express (3K).

    I think I'm done!

    Closed: Dell Financial Services credit line. They cut my limit, so I cut the cord. Capital One. If they won't work with me, my other cards will!
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  2. #2
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    Default

    That's totally sour grapes!

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

    Classic!
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  3. #3
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    Default

    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
    Amex Zync - NPSL (Cleared up to 25k)
    Amex BCE - 12000 limit
    Amex BCP - 4200 limit
    FIA Rewards Amex- 3500 limit
    Chase Freedom - 2000 limit
    Chase Slate - 2000 Limit
    BoA Cash Rewards Privileges- 3000 limit
    Barclaycard Rewards MC - 3000 limit
    Discover IT- 3500 limit
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    21 years old with alot of life to spend
    Its not about the ending, its about the journey,
    just as long as the ending is just as good
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    I'm not sure it would get you blacklisted but it certainly comes across as childish and unprofessional. If you want an Amex card then you need to make a case for why they should reconsider once again. Perhaps you should explain why the judgment does not accurately reflect your situation today.

    If you just want to bad mouth Amex by saying they are inferior to Visa, MC, and Discover then you might have succeeded. But if I worked for Amex and read your letter my response would almost certainly be "Exactly. We are more elite and selective and made the right decision in rejecting this guy."

    Seriously, it's not an awful letter or anything but it does very little to help you get an Amex card. If you just want to vent frustration you might have done that. But I think if that's you goal you could have been far more arrogant and sarcastic in putting down their company.
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  5. #5
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    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.
    FICOS
    TU: 771 April 2014
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    EX: 779 April 2014
    TU08 (Barclay's) 798 April 2014 Statement
    Discover 791 June 15 2014

    Cards:
    Associated Bank Accelerated Rewards Signature Visa 21.5k (05/12)
    Amex Platinum NPSL (5/13 - backdated to 5/99)
    Chase Freedom Signature Visa 11.5k (1/14)
    Amex Everyday Preferred 6k (3/14 - backdated to 3/99)
    Amex Hilton HHonors Surpass 9.5k (7/14 - backdated to 7/99)

    Garden: Card carrying Garden Club member. Gardening for life (and beyond)!
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  6. #6
    Platinum Member Cyberius's Avatar
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    You sound like a kid who was upset that they did not receive what they wanted. Be professional. Move on and try again later. Enjoy what you already have, Chase has some very good cards.
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  7. #7
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    Quote Originally Posted by Rory View Post
    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
    +1

    Just because Discover and Citibank grants someone credit does not mean AMEX has to.
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    Quote Originally Posted by Cyberius View Post
    You sound like a kid who was upset that they did not receive what they wanted. Be professional. Move on and try again later. Enjoy what you already have, Chase has some very good cards.
    +1

    Credit is a privilege not a right. Why did Discover and Citibank grant credit and AMEX won't? Who knows, but that is their right to make that decision. A judgement is a public record; public records are there for a reason and AMEX didn't like it. If this letter makes you feel better, then so be it. This was my favourite: "I could understand if American Express was still the premier charge/credit card company it once was" okay...so people, thanks to credit boards like this, now know that AMEX is not really the crown jewel people assumed it was...but you still can't get one. Sorry to sound harsh...but if I were on the other end of receiving that letter, that is exactly what I would think. Like others have said, accept it for what it is and move on to the other banks that want your business.
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  9. #9
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    Quote Originally Posted by Rory View Post
    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.
    Cards and Credit lines Acquired:

    Escape by Discover (7.75K), Barclay Holland America Visa (4.8K), Macy's store card (5K), Bloomingdale's store card (2K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (1.6K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (5K), Amazon store card (2.2K), Lord & Taylor store card (500), Nordstrom store card (500), and Gold Delta SkyMiles from American Express (3K).

    I think I'm done!

    Closed: Dell Financial Services credit line. They cut my limit, so I cut the cord. Capital One. If they won't work with me, my other cards will!
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  10. #10
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    Quote Originally Posted by MemberSince99 View Post
    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.
    Cards and Credit lines Acquired:

    Escape by Discover (7.75K), Barclay Holland America Visa (4.8K), Macy's store card (5K), Bloomingdale's store card (2K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (1.6K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (5K), Amazon store card (2.2K), Lord & Taylor store card (500), Nordstrom store card (500), and Gold Delta SkyMiles from American Express (3K).

    I think I'm done!

    Closed: Dell Financial Services credit line. They cut my limit, so I cut the cord. Capital One. If they won't work with me, my other cards will!
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