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Amex settled but no offer for Optima (update: approved for another card)

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Justin028
Established Member

Amex settled but no offer for Optima (update: approved for another card)

Recently I settled my Amex Gold with a "remaining" balance of $460 but I want to regain my membership with Amex and unfortunately the Optima card offer is no longer available. Amex also deleted the account from my credit reports and I'm left wondering should I just pay the remaining balance and hope I can apply in the future?

 

Any advice on how to proceed?

 

Edit: Great news! What a stunning turn of events. After posting this thread, I came across another post where a user used the pre-approval tool on Amex's website and I tried it also and found a approval for the Gold card!!!!!! My heart was racing thinking there's no way I'm getting approved for this card since I recently settled my account. So with nothing to lose, I was shockly approved!!!!!! I am in shock. I wasn't able to get my card number right away since the webpage timed out, but I checked the application status tool to confirm it was indeed approved. Right now I'm waiting on my approval email with account information! I guess this thread can be moved to the approvals forum! 

Message 1 of 16
15 REPLIES 15
CreditMagic7
Mega Contributor

Re: Amex settled but no offer for Optima (update: approved for another card)

Congratulations on your surprise Amex Approval!!

Message 2 of 16
gdale6
Moderator Emeritus

Re: Amex settled but no offer for Optima (update: approved for another card)

Grats on your new Amex Gold card Smiley Happy

Message 3 of 16
cashorcharge
Community Leader
Super Contributor

Re: Amex settled but no offer for Optima (update: approved for another card)

Congratulations on your AMEX Approval!🥂🍾🎉

Message 4 of 16
PapaTunde
Established Contributor

Re: Amex settled but no offer for Optima (update: approved for another card)

Welcome back to Amex

All Fico9 835+ or there abouts

These violent delights have violent ends
Message 5 of 16
Justin028
Established Member

Re: Amex settled but no offer for Optima (update: approved for another card)

Thanks everyone! This is my first charge card and I'm grateful to be back in the Amex family. I took advantage of the 60k MR offer. 

Message 6 of 16
collics
Established Contributor

Re: Amex settled but no offer for Optima (update: approved for another card)

What a wonderful turn! Congratulations! 

BK 7 FREE!
Newest to Oldest:


FICO8s Dec 2019

FICO8s Oct 31 2023
Message 7 of 16
CreditAggie
Community Leader
Super Contributor

Re: Amex settled but no offer for Optima (update: approved for another card)

Congratulations on your Amex Gold approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (August 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 8 of 16
babygirl1256
Senior Contributor

Re: Amex settled but no offer for Optima (update: approved for another card)

Congrats on your Amex Gold Card approval . . . nothings beats a failure but a try and your did it!!! 

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 9 of 16
firefox100
Senior Contributor

Re: Amex settled but no offer for Optima (update: approved for another card)

 

nice going congrats.

Message 10 of 16
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