I filed Chap 13 in 1996. Medical reasons. I have been rebuilding ever since with FCNB, Providian, and Cap One. Perfect on all. I have owed AMEX $1111 since 1979. I called AMEX today and told them point blank I owed them money from 20 yrs ago and wanted to pay it off. It was $1111. I got the address from the nice rep and mailed it off. I then asked them if it would be possible to rebuild a relationship with them? I told them: I have just opened AMEX Membership Banking /checking and savings and deposited $1000 into each. I would like to get a secured optima. The Rep was very very nice and asked about my overall credit. I told her Chapter 13 and she told me chances were slim. We continued to talk, and I told her about my illness and that's why the Chap 13. She said, she would absolutely try and help me get not the secured optima, but a GREEN CARD. She said to wait about 10 days to clear the old balance check, then to call her directly to apply over the phone for the card. She told me she had the decision authority to approve me. She also mentioned I should immediately enter the 100 word statement on the credit reports and explain the Chap 13 occurred due to now solved medical reasons. She gave me the 800#s of all 3 agencies. She also said she had talked to many people who were previously very ill, then luckily have recovered. I also mentioned that I have already made 90K so far this year. I am prepared to fax her my tax returns, latest check, etc. if she wants. THE POINT: Even if they turn me down, this has already been the very best customer service I have ever experienced. I believe AMEX will give me another chance. I believe they can help if everyone benefits.