Amex reinstatement clarity (plum card)

[tgwells]

My plum card was canceled June, 2022.  I has missed a payment several months earlier which I didn't realize negated the net two statement pay timeline to just one statement.  I was devasated to have a late payment put on my personal credit.  Amex reached out the next month and said I could have my account reinstated if I paid off the balance of the plum card (~46k) and my other three amex cards (2 business and 1 personal) totaling another 15k.  I have now paid all the accounts to zero.

When I followed up on the reinsatement I was told just the plum card would be reinstated (plus removal of the late payment on my credit).  When I was initially enrolled in the program I was told my other credit cards would also be available again.  Amex is now saying this isn't possible.  I'm certain I was told the other cards would be turned back on as it was made clear only one charge card would be turned on I chose the plum and not my gold card.  

Should I request the recorded call?  Or just be happy I get my Plum card back and the late removed from my credit?  I have a few 100,000 points I told I would get back on the Blue business card and I would like to have my Blue credit card back.  I'm not sure how to proceed.  If I wait six months will I most likely be approved for another card?

Any advice would be very helpful.

[FinStar]

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@tgwells wrote:

My plum card was canceled June, 2022.  I has missed a payment several months earlier which I didn't realize negated the net two statement pay timeline to just one statement.  I was devasated to have a late payment put on my personal credit.  Amex reached out the next month and said I could have my account reinstated if I paid off the balance of the plum card (~46k) and my other three amex cards (2 business and 1 personal) totaling another 15k.  I have now paid all the accounts to zero.

When I followed up on the reinsatement I was told just the plum card would be reinstated (plus removal of the late payment on my credit).  When I was initially enrolled in the program I was told my other credit cards would also be available again.  Amex is now saying this isn't possible.  I'm certain I was told the other cards would be turned back on as it was made clear only one charge card would be turned on I chose the plum and not my gold card.  

Should I request the recorded call?  Or just be happy I get my Plum card back and the late removed from my credit?  I have a few 100,000 points I told I would get back on the Blue business card and I would like to have my Blue credit card back.  I'm not sure how to proceed.  If I wait six months will I most likely be approved for another card?

Any advice would be very helpful.

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@tgwells 

Was the Plum card the only one that had a late payment? Were the other ones late as well or not? I'm assuming you have 3 AmEx biz cards and 1 personal version? When your Plum card was late, what were the balances on the other 3?

As far as the late/derog reporting on personal reports, yes this is known to happen for biz cards depending upon the severity of the late payment.

[tgwells]

Yes, the Plum card was the only card with a late payment.  The other two business cards (gold & blue) had balances of 5k & 9k. My personal card was around 1k.  

The 60 late that is currently on my personal credit should be removed shortly which was a part of the reinstatement program.  Once all my cards were paid to zero the plum card to be reinstated and the late would be removed.