Need Advice

[Anonymous]

So when I was young, dumb and... you get the idea. I CO'd on my beloved AMEX card. I let it sit and then decided to settle with them. I settled for half the amount and continued on my journey. Well now that I am in my 30's with a real job making real money. I want to established a relationship with them. I can still log on my account and there is balance of what I still owe with a note saying "Account is settled, No further action required". Should I pay the left over balance and try to romance them again or let it go? What do y'all think? My current score is 640. 

xoxo, 

B 

[Anonymous]

If you owe them money, my suggestion is to pay them.  It can only help your future chances of them letting you back in the door.

[JR_TX]

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@Anonymous wrote:

So when I was young, dumb and... you get the idea. I CO'd on my beloved AMEX card. I let it sit and then decided to settle with them. I settled for half the amount and continued on my journey. Well now that I am in my 30's with a real job making real money. I want to established a relationship with them. I can still log on my account and there is balance of what I still owe with a note saying "Account is settled, No further action required". Should I pay the left over balance and try to romance them again or let it go? What do y'all think? My current score is 640. 

xoxo, 

B 

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As the bolded text above from them says... No further action is required So No I don't think they're still going after the remaining balance.

I don't think you're blacklisted either. 

But really the only way to find out is to app for one of their cards that benefit you the most. However, your 640 is below their acceptance score threshold. Around 650 EX8 is their acceptance border line with their Delta Gold which from DPs has the most lenient UW standard among their cards. 

I suggest to wait til you get past that score just to avoid a denial with a HP.  Good luck!

[Anonymous]

The other question is how much is the unpaid amount vs the perceived value of an Amex card.   (And, as @JR_TX says, you may not be blacklisted anyway).   For some, paying a "small" amount (as defined by each individual) might be worth it to make reestablishing a relationship more likely, but, for most, paying tens of thousands would probably be too much.