Unless the repayment plan resulted in AmEx getting 100% of what they were owed, you might have to wait a while before they will give you another chance.
Some inexplicably do get another chance either by design or by slipping through the cracks. Lately on other forums you can read a lot of stories about AmEx forgiving those from long ago. Could have something to do with their recent multi-million $ slap upside the head by the CFPB for, amongst other things, certain blacklisting issues. Or maybe not.
