11-28-2012 11:48 AM
I understand you don't get the Optima builder card by settling for less than the full balance. I was trying to pay the remainder of the balance after settling in order to get the builder card.
I didn't get invited to the program. And I've never filed BK.
Did they sell your account to collection agency? Did you pay your settlement to collection agency? Is your account still belong to Amex? They usually offer you an Optima Card when your account is still belong to Amex. It is too late once they sell your account to collection agency as write off. You won't be able to pay in full if you want. Your name will stay on the blacklist forever or long time. You won't be able to get approved for personal, business even you get pre-approved. Some will get through the crack after 10 years. Their name was erased from the list. By the way, you can get Amex Network from GE, Citi and Barclays.
11-28-2012 08:33 PM
11-28-2012 11:48 PM