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."