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AMEX Platinum Card Reinstatement -- How to?

elpo9
Regular Contributor

AMEX Platinum Card Reinstatement -- How to?

Hello all,

 

My American Express Platinum card (Member Since 2011) was cancelled by AMEX Dec 1st, 2017. I enrolled in a repayment program right away and have less than1 full payment remaining. However, upon calling Account Services just now, they told me my enrollment was actually closer to Jan 3rd, 2018 (even if I were to PIF on the spot, which I offerred). She said because I enrolled *after* the card was cancelled, there's no way to reinstate my account. And, I'm similarly ineligible for either Optima/Oasys or Apollo programs. Really bizarre to me--just bad for business, honestly! I'm baffled considering all the reports I've read here and elsewhere of successful reinstatements and even other programs/options to re-join AMEX's "good graces."

 

Anyway, I have just 1 final payment in the 9-month-long program (actually less than 1 full payment). Anyone have success in getting back with AMEX??? What about re-applying and starting from scratch after an event (she told me I could reapply after 48 hours of PIF'ing). As a background, I've missed just 1 payment in 7 years of Membership (and promptly made said payment), so my record with them is all-but-flawless (even my first payment to them after cancelling was on-time!). There have been no other issues with the account until it was cancelled by them in Dec.

 

Maybe someone has a better phone number to try or knows of another method? As mentioned, I called Account Services at 800-921-6490. I really don't want to start from scratch with a new pull on my credit (which, frankly, is lousy compared to when I was first approved) and to have to get both new account number and much worse: new reporting date (i.e, no backdating if new account, as I understand from some threads--maybe this is untrue, though).

 

EDIT Update: I just called another AMEX number buried in the forums here, 800-700-7619, and reached a representative (he even asked how I found the #/which department referred me!--just said I had been bounced around via chat and phone departments, which was true). He listened thoughtfully and placed me on hold for about 2 minutes (to review the account) before transferring me to another department who could better address the question--the "Payment Program Team."  Re-explained the request and rationale to him, specifically mentioning "Oasys/Optima" and "Apollo" programs. He reiterated the first person's point (above/top) but said to call back after completing the program to re-examine...he said possibly reinstate after exiting payment program (but sounded unlikely) and that those other programs are not available to me. Notably, he said any calls back to AMEX while in the program will auto-route to the Payment Program Team. So it's as if I'm trapped with no guarantees until PIF...guess I'll consider doing that today or early next week to see what happens :/

 

EDIT 2: My post in the Rebuilding form was marked as spam (not sure why), so reposting here. Please don't delete me!

NFCU (7000) | Freedom Visa (2400) | DM (2500) | AMEX Plat (7000) | Amazon.com (1800) | GapCard ($750) | Closed: Barclays (1500) | Cap1 ($750) | BoA 1-2-3 Rewards (2500) | Gardening til mid-autumn 2015 for that Delta Platinum AMEX

Starting Score: 608 (2015) 702 (2012), 653 (2011)
Current Score: 685 699 8/6/11 717 8/30/11 712 12/6/11 714 across the board 1/12/12 685 EX FICO 3/1/14
2018 Goal Score: 715


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17 REPLIES 17
UncleB
Moderator

Re: AMEX Platinum Card Reinstatement -- How to?


@elpo9 wrote:

EDIT 2: My post in the Rebuilding form was marked as spam (not sure why), so reposting here. Please don't delete me!


Hi @elpo9, your other post was flagged due to multiple edits and was restored, but since you have this thread I removed the other since it's a duplicate (and cross posting is against the guidelines here).

 

If you have any more issues with your posts getting flagged as spam, please don't repost the info a second time as that usually makes it worse.  This thread covers it:  https://ficoforums.myfico.com/t5/myFICO-Forums-Technical-Help/What-to-do-if-your-new-post-is-missing...

 

--UB

Message 2 of 18
elpo9
Regular Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

Ah, thanks for clarifying, @UncleB!

NFCU (7000) | Freedom Visa (2400) | DM (2500) | AMEX Plat (7000) | Amazon.com (1800) | GapCard ($750) | Closed: Barclays (1500) | Cap1 ($750) | BoA 1-2-3 Rewards (2500) | Gardening til mid-autumn 2015 for that Delta Platinum AMEX

Starting Score: 608 (2015) 702 (2012), 653 (2011)
Current Score: 685 699 8/6/11 717 8/30/11 712 12/6/11 714 across the board 1/12/12 685 EX FICO 3/1/14
2018 Goal Score: 715


Take the FICO Fitness Challenge
Message 3 of 18
elpo9
Regular Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

As an update: I paid of the card ($0 balance) and called AMEX at 800-230-1284 to confirm they've removed me from the payment program. Once again, the rep. stated to callback within ~48 hours (or Wed AM would be fine) to discuss the possibility of applying for reinstatement (i.e., still not guaranteed to even apply, it sounded like). The 48 hours isn't even to process the payment...it's for their systems to sync up so that anytime I call any AMEX #, it doesn't auto-reroute to the Account Services (payment program) team.

 

Hopefully having paid-in-full and ended 3 months early is good in terms of rebuilding a relationship. Would appreciate any datapoints from others in a similar situation! Have you reinstated an AMEX successfully or gotten yourself invited to Oasys/Optima, Apollo or another program...and if so, any tips? My plan is to call back in 2 days to see if they'll reinstate, and if not, I'll get ahold of my contact at the EO to see if she can move anything along--again, I've been an incredibly responsible cardholder with AMEX, so I'd hope they'd be forgiving (and my EO contact has been understanding/forgiving the 2-3 times I called her in my ~8 years of Membership).

NFCU (7000) | Freedom Visa (2400) | DM (2500) | AMEX Plat (7000) | Amazon.com (1800) | GapCard ($750) | Closed: Barclays (1500) | Cap1 ($750) | BoA 1-2-3 Rewards (2500) | Gardening til mid-autumn 2015 for that Delta Platinum AMEX

Starting Score: 608 (2015) 702 (2012), 653 (2011)
Current Score: 685 699 8/6/11 717 8/30/11 712 12/6/11 714 across the board 1/12/12 685 EX FICO 3/1/14
2018 Goal Score: 715


Take the FICO Fitness Challenge
Message 4 of 18
elpo9
Regular Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

Latest Update: Called AMEX Account Services (calls still auto-redirect to them for next ~24 hours). This time they were finally able to take my application for reinstatement!! A full 24+ hours early (from when I PIF'd last night).

 

The rep. remarked on my impeccable payment history, both for the payment plan and in general on the card. She just needed my account #, SSN, d/o/b and phone # to submit the application. She said it'll take 7-10 days for a decision (is this normal?!) and that the decision may be via phone (wasn't very clear). Also/FYI it's a $25 fee (charged to the card, if approved).

 

She said if approved, it'd be the same account/#, but she couldn't clarify how credit reporting would work (I assume if it'd be the same account, then it'd just pick up from where we left off, helping my AAoA).

 

As a backup, I also immediately called my contact at EO to state the situation & to plea for her leverage/representation towards a favorable outcome (especially sharing my remarkable payment history with AMEX and the trivial, minor reason for which the account closed anyway). Hoping she can get this approved or at least expedited, in case the 'standard' channels are less forgiving! She's been very responsive and helpful in the past but sadly, she recently changed positions--hopefully a colleague will follow up, as I asked in the voicemail.

 

Anyone have similar experience reinstating an AMEX card? How'd it go...any good indicators up-front? Rough timeline(s)? Did it show up in your online account, via phone, snail mail?? Any guidance is appreciated! Fingers and toes crossed!!!

 

UPDATE: Now multiple departments are tossing me around and all state that accounts are only eligibile within 90 days of closure. They won't get me to the people who actually make the decision(s), and the ALL act clueless--or even as if I NEVER mentioned--the Optima/Oasys/Apollo programs. They won't get me in touch with anyone in the USA. This is infuriating...really hoping that a miracle happens!!

NFCU (7000) | Freedom Visa (2400) | DM (2500) | AMEX Plat (7000) | Amazon.com (1800) | GapCard ($750) | Closed: Barclays (1500) | Cap1 ($750) | BoA 1-2-3 Rewards (2500) | Gardening til mid-autumn 2015 for that Delta Platinum AMEX

Starting Score: 608 (2015) 702 (2012), 653 (2011)
Current Score: 685 699 8/6/11 717 8/30/11 712 12/6/11 714 across the board 1/12/12 685 EX FICO 3/1/14
2018 Goal Score: 715


Take the FICO Fitness Challenge
Message 5 of 18
Sleekride
New Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

Do you have your old Amex Platinum account number by any chance? If so try calling the concierge line. Upon providing them with your account number they’ll direct you (as they did in my case) to the proper personnel whom should have a more definitive answer. 

 

A little background: I closed my Amex Platinum 4 years ago for personal reasons (in retrospect it was not a good idea, I know). I’ve always kept copies of my CC’s (front and back) and upon calling the concierge line they were able to look up my old account. Of course, I had to go through the whole app process again (HP and all) and got approved on the spot for the Plat and ED. 

 

Hope this offers some direction. 

Message 6 of 18
elpo9
Regular Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

Wow! Great idea... I'll do that shortly and report back. Did they re-age your payment history??
NFCU (7000) | Freedom Visa (2400) | DM (2500) | AMEX Plat (7000) | Amazon.com (1800) | GapCard ($750) | Closed: Barclays (1500) | Cap1 ($750) | BoA 1-2-3 Rewards (2500) | Gardening til mid-autumn 2015 for that Delta Platinum AMEX

Starting Score: 608 (2015) 702 (2012), 653 (2011)
Current Score: 685 699 8/6/11 717 8/30/11 712 12/6/11 714 across the board 1/12/12 685 EX FICO 3/1/14
2018 Goal Score: 715


Take the FICO Fitness Challenge
Message 7 of 18
Sleekride
New Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

^ I did not ask.

Message 8 of 18
elpo9
Regular Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

Well, I've *emailed* concierge until I find what I did with my card after my last trip! It's the same group of people, so hopefully they can assist via email in case I cannot find my card.
NFCU (7000) | Freedom Visa (2400) | DM (2500) | AMEX Plat (7000) | Amazon.com (1800) | GapCard ($750) | Closed: Barclays (1500) | Cap1 ($750) | BoA 1-2-3 Rewards (2500) | Gardening til mid-autumn 2015 for that Delta Platinum AMEX

Starting Score: 608 (2015) 702 (2012), 653 (2011)
Current Score: 685 699 8/6/11 717 8/30/11 712 12/6/11 714 across the board 1/12/12 685 EX FICO 3/1/14
2018 Goal Score: 715


Take the FICO Fitness Challenge
Message 9 of 18
elpo9
Regular Contributor

Re: AMEX Platinum Card Reinstatement -- How to?

:/ there's no Concierge line listed. Just the standard 24x7 AMEX number for the card. IIRC, it asks if you need concierge...could try. Gonna wait a bit and see if email gets me anywhere. Else I also have the 24x7 Global Assist line saved...

Thanks again for the idea!
NFCU (7000) | Freedom Visa (2400) | DM (2500) | AMEX Plat (7000) | Amazon.com (1800) | GapCard ($750) | Closed: Barclays (1500) | Cap1 ($750) | BoA 1-2-3 Rewards (2500) | Gardening til mid-autumn 2015 for that Delta Platinum AMEX

Starting Score: 608 (2015) 702 (2012), 653 (2011)
Current Score: 685 699 8/6/11 717 8/30/11 712 12/6/11 714 across the board 1/12/12 685 EX FICO 3/1/14
2018 Goal Score: 715


Take the FICO Fitness Challenge
Message 10 of 18
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