According to my friend, she has some scars on her credit reports that range in age from 3 to 5 years. Two are unpaid utility bills and one shows as a redeemed auto repossession on two of her reports. On her Equifax report, the repossession is not shown, but it is listed as an I-3, which I believe denotes a 60-day late pay. This is her only negative line on her Equifax report, which I believe AMEX uses. She has quite a few positive lines on all reports, but most are for new accounts opened within the last year. Each of her reports includes excessive inquiries made within the last year. Her question about American Express had to do with her opening either a $5000 money market account or CD with AMEX. She has a secured Optima card with a small limit, and she wanted to know if her having the Optima account and the $5000 banking account would increase her chances of obtaining an unsecured card. I told her that I didn't think it would make any difference, and that only a really good credit report would matter. Was I right in telling her this? Perhaps some of you who have more experience in dealing with American Express could set me straight.