Thread: Amex Revenge

Just for thrills, I applied on-line for an AMEX card,

got "notify" in 7-10 days, upon receipt of

a notice it states: Thank you, blah, blah,

unfortunately, we can not open an account for you

at this time.<<@ what time???>>

The reason is that our records indicate that your

previous card account was cancelled because

payments were not made in accordance with

it's terms. <<10 yr + old BK>>

An important notice concerning your rights is

included. <Federal disclosures> on reverse.

New Accounts Dept.

No mention of them pulling a credit check.

So much for AMERICAN DISTRESS.

NO LOSS, last month I received over 32k in

new credit lines from Prime Visa, MC issuers.

Revenge?
That's the black list. You owe them money then they never forget.

But why did you apply, you say they cause you distress?

Why are you upset at Amex? From what I understand you had a previous account with them that you did not pay. Would you loan someone money again after they didn't pay you back the first time? I wouldn't.

Dani

Originally posted by Surphie
Revenge?
That's the black list. You owe them money then they never forget.

But why did you apply, you say they cause you distress?

I knew they had a "black-list", internal records,

just couldn't resist, I used the term DISTRESS,

as slang terminoligy, express=distress.

B/T/W,

I DON'T OWE THEM ANY MONEY, DEBT LEGALLY

DISCHAGRGED IN BK.

I TRIED TO WORK WITH THEM, BUT THEY

REFUSED TO EVEN TALK TO ME, MY LAWYER @

THE TIME, SAID THEY DON'T EVEN KNOW

WHAT THE TERM RE-AFFIRMATION MEANS!

Scholr

Even though the debt was legally discharged in BK, AMEX never got reimbursed. Technically, they have to write it off. I have refused to open credit accounts for customers based on past inability to pay such as a BK (these are commercial customers). I would consider them a high risk account. AMEX probably feels the same way.

Of course you owe them the money. Bankruptcy is a only legal protection against further collection attempts. It doesn't mean you don't owe the debt, it only means it's legally uncollectible (with a few exceptions).

Your lack of payment of the debt may be 100% legally, morally & ethically justified. But so is their reluctance to grant a second loan to those who had a problem repaying the first.


Saar

Originally posted by kbelle72
Scholr

Even though the debt was legally discharged in BK, AMEX never got reimbursed. Technically, they have to write it off. I have refused to open credit accounts for customers based on past inability to pay such as a BK (these are commercial customers). I would consider them a high risk account. AMEX probably feels the same way.

As I said, I would have worked with them @ the

time, but they refused any dialogue, I was a "NO-

GOOD BUM" to them, even though I had the

Platinum Card, which @ the time was by invitation

only, any way from what I've read here and

elsewhere, they will offer you a Card in

exchange for repayment of the Discharged debt.

This amounts to EXTORTION.

I haven't needed them, and don't need them.

The only way they could hope to "recoup"

any $ is if they just issued a card like I never existed

with them before, and then they would make $

from transactions, etc..

Originally posted by Saar
Of course you owe them the money. Bankruptcy is a only legal protection against further collection attempts. It doesn't mean you don't owe the debt, it only means it's legally uncollectible (with a few exceptions).

Your lack of payment of the debt may be 100% legally, morally & ethically justified. But so is their reluctance to grant a second loan to those who had a problem repaying the first.


Saar

I BEG TO DIFFER FROM YOUR STATEMENT:

<<Of course you owe them the money>>

I OWE THEM ZERO, 00000000, ONCE THEY

REFUSED MY RE-AFFIMATION OF ALL $$$$$

OWED, AND I MIGHT ADD, THIS WAS AT MY OWN

DISCRETION, AND AGAINST ADVICE OF MY

ATTORNEY, <looking out for my interests>,

They are DEFINITELY NOT OWED DIME ONE.

THE BK HAD NOTHING TO DO WITH AMEX,

I WAS ALWAYS A GOOD CUSTOMER, BUT

THEY DIDN'T CARE, SO WHY SHOULD I, NOW???

AND THE BK DID WIPE THE SLATE CLEAN,

SO I DO NOT OWE THEM A PENNY.

BK ERASED ALL DEBT, PERIOD.

Originally posted by SCHOLR

I OWE THEM ZERO, 00000000, ONCE THEY REFUSED MY RE-AFFIMATION

I see. So if you default on the account multiple times, and they refuse to accept all your terms for payment, that's extortion.

To paraphrase Nixon's aide's words, it seems we have different definitions for extortion.


Saar

Originally posted by Saar



I see. So if you default on the account multiple times, and they refuse to accept all your terms for payment, that's extortion.

To paraphrase Nixon's aide's words, it seems we have different definitions for extortion.


Saar

NO, EXTORTION = WE GIVE YOU A CARD IF YOU

PAY BACK ERRADDICATED DEBT.

Had they been SMART, they would have agreed to

the re-affirmation, in full, under the original terms,

their terms, not mine, I went above and beyond

by just offering to do this.