@Bmom wrote:The Optima account was offered to me two years ago. My Amex is off my credit reports. 🤷♀️ now, I might be wrong, but I believe it's an offer you get once they have no other way of enticing you to pay what you owe. SOL is 3 years here and it was a toy amount owed.
But I ALREADY PAID EVERY DIME - which (like your situation?) was obscenely microscopic in comparison to unpaid charge-offs that others claim, yet are now getting free offers left and right for 5 x figures. They accepted and deposited the check. They even mailed me a confirmation indicating it was paid in full, yet are still giving me the finger. I must be missing something here...?
@Chazzay12 wrote:No, they think, or know, that they have given you money in the past and you didn't pay it back in a timely manner...therefore they don't want to extend you more at this time. no judgment, as I have had mistakes in my past and am blacklisted from BofA.
No, they wouldn't think that if they even took the time to review my current credit profile and scoring. I know they aren't either, because my report doesn't show any inquiries from AmEx. You're not the person judging me, people (or more likely robots) there are. 
@SKBirdmind wrote:
@DONZI wrote:Why not task the lawyer with this? ..they have done things for me that I could possibly never accomplish and yours seems to be versed in credit UW.
Could be well-worth it, my main concern would be the expense. To put it another way, I'd be much more inclined to take his 15+ years of expertise in the bankruptcy and credit world over a template letter(s) to the effect of "based on your credit profile we are unable to assist you further" or what have you.
They have a knack getting to the human(s) with a letter or call. If that is something you think would help, might be worth it. Might be worth asking the atty beforehand what he thinks the odds are given the lay of the land and the algorithms that gate applications.
Boosting my original inquiry here again. I find it somewhat hard to believe that within an internet community of just over 153,000 members - most of whom hold AmEx cards - that this answer remains just as elusive as finding an espresso machine somewhere inside of a maple tree.
At the end of the day, a business has the latitude of choice who they will do business with and can, if compelled, produce reasons to probably satisfy the onlookers. This is why there isn't any formula to regurgitate other than keep trying if it suits you.
